The Fair and Accurate Credit Transactions Act (FACT Act) was enacted in 2003 and amends the Fair Credit Reporting Act (FCRA), a federal law that regulates, in part, who is permitted to access your consumer report information and how it can be used. The FACT Act entitles consumers to obtain one free copy of his/her consumer file from certain consumer reporting agencies during each 12-month period.
LexisNexis® Risk Solutions has companies that maintain consumer files that are subject to the free disclosure requirement: C.L.U.E. Inc. maintains information on insurance claims histories and LexisNexis Screening Solutions Inc. maintains employment history and tenant history information. These companies designed an easy process for consumers to request their free file disclosure.
Claims History Reports
To request copies of your claims history report, visit www.ChoiceTrust.com,
call 866.312.8076 or send your name and address by mail.
A report request form will be sent to you to complete and return.
LexisNexis Consumer Disclosure Center
P.O. Box 105295
Atlanta, GA 30348
Employment History Reports
To request a copy of your employment history report, call 866.312.8075 or send your name and address by mail.
A report request form will be sent to you to complete and return.
LexisNexis Screening Solutions Consumer Disclosure Center
P.O. Box 105292
Atlanta, GA 30348
Tenant History Reports
To request a copy of your tenant history report, call 877.448.5732 or send your name and address by mail.
A report request form will be sent to you to complete and return.
LexisNexis Screening Solutions Consumer Disclosure Center
P.O. Box 850126
Richardson, TX 75085-0126
Please note that a consumer file does not necessarily exist for you with any one of the three companies. For example, if you have not filed a claim with your auto or home insurance company during the last seven years, we will not have a report on you. If you have not applied for employment with a customer that we serve, we likely will not have an employment history report on you. If you have not submitted a residential lease application with a customer that we serve, we will likely not have a tenant history report on you.
