Find debtors faster and more efficiently – increasing the likelihood you’ll get paid – with TransUnion Comprehensive Locator Report. This new service augments our existing location services with additional sources of data to provide a more robust suite of services. You’ll benefit from the added convenience and efficiency of working with a single partner for all of your collections services.

You can access eight searches through our multi-source database of consumer information and have the results returned in the Comprehensive Locator Report. At a minimum, the report consists of the initial consumer information search. To this you can add any of the following seven sub-searches: phone numbers, occupants, neighbors, property, relatives, associates and deceased information.

Social Security Number (SSN) Year of Issuance messages are now displayed under a separate heading in the Special Messages section on TransUnion reports. Previously, these messages were displayed within the High Risk Fraud Alert heading. The SSN Year of Issuance messages are now displayed directly following the High Risk Fraud Alert messages.

Please see below for a sample report:

SPECIAL MESSAGES
*** ID MISMATCH-ALERT: CURRENT INPUT ZIP CODE INVALID***
****HIGH RISK FRAUD ALERT: FILE PREVIOUS ADDRESS REPORTED USED IN TRUE NAME FRAUD OR CREDIT FRAUD***
****SSN YEAR OF ISSUANCE: FILE SSN ISSUED: 1985 – 1986; STATE: CT; (EST. AGE OBTAINED: 17 TO 19)***
***CONSUMER STATEMENT: SEE END RPT***

Signed into law in 2003, the Fair and Accurate Credit Transactions (FACT) Act amends many areas of the Fair Credit Reporting Act and adds several new provisions that may alter the look and content of many TransUnion Reports. The following changes will be effective immediately:

Notification of Address Discrepancy
Credit reporting agencies (CRAs) are required to notate and issue “Address Discrepancy” alerts when substantial differences between inputted address data and address data in a consumer file are found. TransUnion will cross reference input information against all addresses, current and previous, on file and, if applicable, an address discrepancy notification will appear in the special messages area of your returned report.

Addition of National Fraud Alerts
CRAs must provide individuals the option to add up to three specific National Fraud Alerts. When a requested consumer file contains a fraud alert, the following message(s) may be returned in the Special Messages Section of the TransUnion Credit Report:

(A) Initial fraud alert — suspected fraud — 90-day retention

Example:
#HK#IFCRA INITIAL FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT.

(B) Extended fraud alert — fraud confirmed by an identity theft report — 7-year retention

Example:
#HK#EFCRA EXTENDED FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT.

(C) Active military duty alert — 12-month retention

Example:
#HK#ADCRA ACTIVE DUTY FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT.

Inquiry Impact Statement
CRAs and certain mortgage lenders must disclose whether inquiries impacted a consumer's credit score. If inquiries do impact a credit score, the following message will display with the score model immediately following the last factor code or text in the print image:

Example:

M O D E L P R O F I L E * * * A L E R T * * *
------------------------------------
***TRANSRISK-NA ALERT: SCORE +505 : 081, 007, 022, 023 *** IN ADDITION TO THE FACTORS LISTED ABOVE, THE NUMBER OF INQUIRIES ON THE CONSUMER’S
CREDIT FILE HAS ADVERSELY AFFECTED THE CREDIT SCORE.
------------------------------------

If multiple models display, the message will appear with each one, if applicable.

------------------------------------
M O D E L P R O F I L E * * * A L E R T * * *
***EMPIRICA ALERT: SCORE +586 : 038, 020, 018, 003 *** IN ADDITION TO
THE FACTORS LISTED ABOVE, THE NUMBER OF INQUIRIES ON THE CONSUMER’S
CREDIT FILE HAS ADVERSELY AFFECTED THE CREDIT SCORE.
***TRANSRISK-NA ALERT: SCORE +505 : 081, 007, 022, 023 *** IN ADDITION
TO THE FACTORS LISTED ABOVE, THE NUMBER OF INQUIRIES ON THE CONSUMER’S
CREDIT FILE HAS ADVERSELY AFFECTED THE CREDIT SCORE.
------------------------------------

This message is returned anytime inquiries impact the credit score, even when the number of inquiries is one of the top four factors.

For more information on the impact of the FACT Act, please go to our Business Solutions knowledge base and search for "FACT Act."

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