Consumer Affairs MicroBilt | MicroBilt Corporation

Request your Consumer Report

MicroBilt maintains consumer databases and permits each consumer to obtain unlimited free copies of their own consumer report in our databases, and a free copy of their own consumer report in our databases upon each adverse action taken, which includes having an application for credit declined.

To obtain a copy of your consumer report in our databases, please complete and sign the Consumer Report Request Form and return it to us via US Postal Service, or call us toll-free, and in each case provide all of the requested information and documentation. Note that you do not have to use our Form, as long as you provide all the information that is requested therein. Our Form is being provided as a convenience to you.

If you are not able to download the Form, you may call us toll-free or send a request in writing. In each case you must include: your full name, address, social security number, the previous addresses you have had in the past five years, and a clear copy of both sides of your Driver’s License or state identification card, or two alternative forms of identification, such as a copy of a recent (no less than 60 days old) cable, utility or phone bill, with a matching address of request, or a copy of your Social Security card, or a copy of your birth certificate, or a copy of your US passport (picture page only), or a copy of your voided consumer check with matching address of request, or a copy of your Alien Registration Card.

Please note that MicroBilt is not able to inform you of specific reasons why you may have been denied credit, employment or housing, if applicable. MicroBilt is only able to supply you with a copy of your consumer report in our databases, if any, which may contain the information reported to us by the company you may have applied with. A copy of your consumer report in our databases, if any, will be sent to you in accordance with applicable law via U.S. Mail, usually within 15 days after receipt of your request and documentation.

You may contact us at: MicroBilt Consumer Affairs

Phone: 888-222-7621 or
Phone: 800-884-4747 option #5
Fax: Available Upon Request
Hours: Monday - Friday 8:30AM - 5:00PM ET

Attn: Consumer Affairs Department
P.O. Box 440693
Kennesaw, GA 30160

For questions concerning this process or for the status of a request you previously submitted, you may contact the Consumer Affairs Department at the toll-free numbers above.

To obtain a free copy of your consumer credit report from one or more of the national consumer credit bureaus (Equifax, Experian and TransUnion), please visit www.annualcreditreport.com.

Dispute information on your Consumer Report

If you do not recognize the name of the company that requested your consumer report from MicroBilt, or do not recognize information on your consumer report, or believe an item, inquiry or information on your consumer report may be inaccurate, you may submit a dispute to MicroBilt for investigation. You will not be charged a fee for this process.

To dispute an item on your consumer report, you may complete and sign our Consumer Dispute Form and return it to us via U.S. Mail at the below address, or call us toll-free at the below number. Our Form is offered as a convenience to you, though you do not have to use it to submit your dispute, as long as you provide sufficient information and documentation for us to confirm your identity, understand the details of your dispute, and adequately investigate and process your dispute.

If you are not able to download our Form, you may call us toll-free at the below number, or send a request in writing at the below address. In each case, please include sufficient information and documentation for us to confirm your identity, understand the details of your dispute, and adequately investigate and process your dispute, such as: your full name, current address, social security number, recent previous addresses you have had, and a clear copy of both sides of your Driver’s License or state identification card, or two alternative forms of identification, such as a copy of a recent (no more than 60 days old) cable, utility or phone bill showing an address matching your request, or a copy of your Social Security card, or a copy of your birth certificate, or a copy of your US passport (picture page only), or a copy of your voided personal check with an address matching your request, or a copy of your Alien Registration Card, along with details (items, inquiries, dates, companies, bureaus, etc.) as to what you believe may be inaccurate and why, details as to the correct information you believe is accurate and why, and any documents, information or other details supporting your dispute that you believe will be helpful in our investigation.

MicroBilt will investigate your dispute, and contact the company reporting the disputed information to obtain their verification. If satisfactory verification is timely provided, you will be informed as referenced below. If such company fails to provide adequate verification, or timely respond, MicroBilt will, as appropriate, delete or modify the disputed information on your MicroBilt consumer report, or contact the relevant data repository to request deletion or modification of the disputed information on your consumer report (which is at such data repository’s discretion and may take up to 30 days). Note, however, that only inaccurate information may be removed from your consumer report; negative information that is accurate will remain on your consumer report as long as governing laws allow. Note also, that MicroBilt is not able to inform you of specific reasons why you may have been denied credit, employment or housing, if applicable; MicroBilt is only able to supply you with the information returned to us by the company you may have applied with. The results of our investigation will be sent to you in accordance with applicable law via U.S. Mail, usually within 30 days.

You may contact us at: MicroBilt Consumer Affairs

Phone: 888-222-7621 or
Phone: 800-884-4747 option #5
Fax: Available Upon Request
Hours: Monday - Friday 8:30AM - 5:00PM ET

Attn: Consumer Affairs Department
P.O. Box 440693
Kennesaw, GA 30160

For questions concerning this process or for the status of a request you previously submitted, you may contact the Consumer Affairs Department at the toll-free numbers above.

To dispute information unrelated to MicroBilt on your consumer report of another agency, you must contact the relevant credit reporting agency. The three national consumer credit reporting agencies are: www.Equifax.com, www.Experian.com, and www.TransUnion.com.

Opt-Out – Prescreen / Sharing / Marketing

MicroBilt permits consumers to opt-out of preapproved/prescreened offers of credit or insurance, sharing of credit information with affiliates, and direct or third-party marketing list in accordance with applicable law. You will not be charged a fee for this process.

Please note that your opt-out with MicroBilt will only apply to the information created and maintained by MicroBilt. To opt-out with Equifax, Experian, Innovis and TransUnion, you may do so by calling 888-5-OPTOUT (888-567-8688) or submitting the request online at www.OptOutPrescreen.com.

Opting out could result in fewer calls, emails, and letters. However, you may also miss out on targeted offers that are not otherwise available. MicroBilt encourages consumers to make informed decisions about credit and insurance offers prior to opting out.

Please also keep in mind that opting out of prescreened credit offers will not keep you off other marketing list. Companies can buy or rent lists of potential customers from other companies, including marketing companies that specialize in list-building, and target their existing or past customers with offers. You can opt out of some of these offers from other companies if you:

Visit www.DMAchoice.org to create an account with the Direct Marketing Association (DMA) and decide which mail you want to receive from DMA members.
Add your phone number to the National Do Not Call Registry for free.
Send a request by mail to the DMA Mail Preference Service, P.O. Box 643, Carmel, NY 10512.

In addition, MicroBilt permits consumers to opt-out of having certain personal information about themselves made available to subscribers of our services, if the following applies:

Public and elected officials, including law enforcement officers, may request to opt-out in cases where the official is on a high-profile assignment or under threat of death or serious bodily harm or in cases where opt out opportunities are required by law;
Private individuals who are facing a substantial risk of physical harm or who are victims of identity theft.

All of the above opt out requests should be in a signed writing, be clearly stated, include proof of identity sufficient for us to adequately search our database, and include information and documentation substantiating the risk of physical harm or the individual’s status as an identity theft victim or as person otherwise meeting the above criteria. Further, if applicable:

If a law enforcement officer or public official, you may submit a letter from a supervisor stating that their position exposes them to a threat of death or serious bodily harm;
If a victim of identity theft, please submit a copy of the police report documenting the identity theft or documentation that verifies the identity theft claim such as a letter from a credit card company or an identity theft affidavit;
If a private individual who is at risk of physical harm but does not work in law enforcement, please submit a copy of a court protective order, a copy of a police report or similar documentation such as a letter from a social worker, a shelter administrator or a health care professional.

Note however, MicroBilt continues to maintain accurate information in our database for as long as applicable law allows, and makes such available to authorized business customers with consumer consent, a “permissible purpose” under FCRA and/or “permitted use” under GLBA, or other applicable law.

To opt out, you may complete and sign our Opt Out Form and return it to us via U.S. Mail at the below address, or call us toll-free at the below number. Our Form is offered as a convenience to you, though you do not have to use it to submit your Opt Out, as long as you provide sufficient information and documentation for us to confirm your identity, and understand the details of your Opt Out, so that we may accurately search our database and process your Opt Out.

If you are not able to download our Form, you may call us toll-free at the below number, or send a request in writing at the below address. In each case, please clearly explain specifically what you seek to opt-out of, so that we can understand the details of your request, and please include sufficient information and documentation for us to confirm your identity and adequately process your request, such as: your full name, current address, social security number, a clear copy of both sides of your Driver’s License or state identification card, or two alternative forms of identification, such as a copy of a recent (no more than 60 days old) cable, utility or phone bill showing an address matching your request, or a copy of your Social Security card, or a copy of your birth certificate, or a copy of your US passport (picture page only), or a copy of your voided personal check with an address matching your request, or a copy of your Alien Registration Card.

Your request and information will be reviewed and processed within 5 business days after receipt. A letter confirming completion of your request, or advising that your request is insufficient to meet the requirements for opt out, will be sent to you in accordance with applicable law via U.S. Mail, usually within 30 days.

You may contact us at:MicroBilt Consumer Affairs

Phone: 888-222-7621 or
Phone: 800-884-4747 option #5
Fax: Available Upon Request
Hours: Monday - Friday 8:30AM - 5:00PM ET

Attn: Consumer Affairs Department
P.O. Box 440693
Kennesaw, GA 30160

For questions concerning this process or for the status of a request you previously submitted, you may contact the Consumer Affairs Department at the toll-free numbers above.

Security Freeze / State Consumer Rights / Fraud Alert / Active Duty Alert

As a consumer, you have the right under Federal law to request that a security freeze or fraud alert or active duty alert be placed on the consumer report that MicroBilt may maintain about you. You may also subsequently release or lift a freeze or alert at a later date on a temporary or permanent basis. You will not be charged a fee for this process. Further, you may have certain consumer rights depending on your State of residency.

You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.

A consumer that is on active duty with the military has the right to place an active duty alert on their consumer report with MicroBilt, if any, at no cost. An active duty alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing an active duty alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit.

To request a security freeze or fraud alert or active duty alert be placed on your consumer report with MicroBilt, you may complete and sign ourSecurity Freeze / Fraud Alert / Active Duty Alert Form and return it to us via U.S. Mail at the below address, or call us toll-free at the below number. Our Form is offered as a convenience to you, though you do not have to use it to submit your request, as long as you provide sufficient information and documentation for us to confirm your identity, and process your request.

You may contact us at:MicroBilt Consumer Affairs

Phone: 888-222-7621 or
Phone: 800-884-4747 option #5
Fax: Available Upon Request
Hours: Monday - Friday 8:30AM - 5:00PM ET

Attn: Consumer Affairs Department
P.O. Box 440693
Kennesaw, GA 30160

Generally, when you place a security freeze on your file, you will be provided a personal identification number (“PIN”) or password to use if you later choose to remove the security freeze from your file or authorize the temporary release of your consumer report for a specific company or period after the security freeze is in place. To provide that authorization, you may contact MicroBilt and/or the other relevant consumer reporting agency at their address and/or toll free number, and provide: sufficient information and documentation to confirm your identity, and adequately process your request; the personal identification or password previously provided to you, if any; and if applicable, a statement that you choose to remove the security freeze from your file, or that you authorize the agency to temporarily release your consumer report. If you authorize the temporary release of your consumer report, you may name the company that is to receive access to your consumer report, or the period for which your consumer report is to be accessible.

If MicroBilt does not have a consumer report on file for you, we will nevertheless create a record of your security freeze or fraud alert or active duty alert request. In this case, you will receive written confirmation, but not receive a PIN or password. The record will be created solely for the purpose of complying with your request and will not be used to consider creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

Please note that any security freeze or fraud alert or active duty alert you request with MicroBilt, will apply only to reports that are created and maintained by MicroBilt, if any, for which you will receive written confirmation; we do not have the ability to add a security freeze or fraud alert or active duty alert to the file of any other agency. To place a security freeze or fraud alert or active duty alert on your consumer report of another agency, you must contact the relevant credit reporting agency. The three national credit reporting agencies are:

Equifax
P.O. Box 740241
Atlanta, GA 30374
800-525-6285
www.equifax.com

Experian
P.O. Box 9532
Allen, TX 75013
888-397-3742
www.experian.com

Transunion
TransUnion Consumer Relations
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022-1000
Order Credit Report: 800-888-4213
Report Fraud: www.transunion.com/myoptions

If you want to view the State specific rights you have, or place a security freeze on your file, select the State in which you reside from the list below, follow the instructions, and provide the information required: