Credit reporting agencies (CRAs)

The Big 3 US credit bureaus are partially FCRA-regulated (their credit-reporting arms) but also run marketing-data products, which the companies sell separately from their credit reports: Experian Marketing Services, Equifax's IXI, and TransUnion TruAudience and Neustar. (Equifax's The Work Number is a separate employment-verification database, which its own FAQ says is regulated under the FCRA.) All four nationwide CRAs (the Big 3 plus Innovis) jointly operate OptOutPrescreen.com for prescreened credit and insurance offers.