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DataX · Alternative credit reporting

Turned down because of a DataX report?

DataX, an Equifax company, sells reports on payday, installment and other specialty loans to lenders. If your DataX file is wrong and the company won't fix it, the Fair Credit Reporting Act gives you the right to sue.

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Who DataX is and who relies on its reports

DataX, Ltd. is a specialty consumer reporting agency. The CFPB’s list of consumer reporting companies says DataX collects and provides consumer payment history on payday and installment loans, and its listing also covers subprime credit cards and other specialty loans. Equifax announced in July 2018 that it had acquired DataX, which it described as an alternative data credit reporting agency founded in 2004, and the CFPB says DataX is wholly owned by Equifax.

Lenders that serve people with thin or damaged credit often check a specialty file like DataX’s alongside, or instead of, a standard credit report. That means an online lender, installment lender or lease-to-own store can turn you down over a DataX report you have never seen. Your DataX file is separate from your regular Equifax credit report, and errors in one may not show up in the other. Similar specialty files are kept by Clarity Services and MicroBilt.

Errors that show up on DataX reports

Short-term and online loans change hands quickly and are often applied for online, which makes them a common target for fraud and data mix-ups. Problems consumers report include:

  • Identity theft loans. Payday or installment loans opened by someone using your name and Social Security number.
  • Repaid loans shown as unpaid. A loan you paid off still reported as charged off or in collection.
  • Mixed files. Another person’s loan history attached to your file because of a similar name or a shared address.
  • Inquiries you did not make. Loan applications that were not yours.
  • Obsolete items. Negative information older than the FCRA allows.
  • Shallow disputes. A dispute closed after the lender simply confirmed its own records.

How to dispute DataX

DataX’s consumer website sets out a mail-based dispute process:

  1. Get your file first. Download the request form from DataX’s annual report page or call 800-295-4790 (9 a.m. to 8 p.m. Eastern, Monday through Friday). The CFPB says DataX provides one free report every 12 months on request, and you are also entitled to a free copy within 60 days after a lender denies you because of a DataX report.
  2. Fill out the dispute form. DataX’s Incorrect Reports page links to its Request for Investigation of Consumer Report form. List each item that is wrong and explain why.
  3. Mail it, signed. DataX says to print, sign and mail the form to DataX, an Equifax Company, Consumer Reporting Division, P.O. Box 740125, Atlanta, GA 30374. It asks consumers not to email Social Security numbers, dates of birth or other personal information.
  4. Send proof. Include copies (not originals) of payoff letters, bank records, an FTC identity theft report or police report, whatever shows the item is wrong.
  5. Dispute with the lender too. The CFPB advises disputing with both the reporting company and the company that supplied the information.
  6. Freeze if it is fraud. DataX offers a security freeze online through its freeze site or by mailing its Credit Freeze Request Form to P.O. Box 740124, Atlanta, GA 30374 (a different box from disputes).
  7. Keep copies of everything, and use a mailing method that gives you proof of delivery.

How to contact DataX

  • Consumer website: consumers.dataxltd.com (report request, disputes and freezes)
  • Phone: 800-295-4790, 9 a.m. to 8 p.m. Eastern, Monday through Friday
  • Disputes and report requests by mail: DataX, an Equifax Company, Consumer Reporting Division, P.O. Box 740125, Atlanta, GA 30374
  • Security freeze by mail: DataX, Consumer Reporting Division, P.O. Box 740124, Atlanta, GA 30374

Your rights under the FCRA

  • Accuracy (15 U.S.C. § 1681e(b)). DataX must follow reasonable procedures to assure maximum possible accuracy of the information it reports about you.
  • Reinvestigation (§ 1681i). After you dispute, DataX must conduct a reasonable reinvestigation, free of charge, generally within 30 days, pass your dispute and documents to the lender that reported the item, and correct or delete information that is inaccurate, incomplete or cannot be verified. DataX’s site notes that accurate negative data may stay unless the law requires its removal, which is why your proof matters.
  • File disclosure (§ 1681g). You may see all information in your file and its sources, including who has requested your report.
  • Free disclosures (§ 1681j). You are entitled to a free copy within 60 days after an adverse action notice, and the CFPB reports that DataX also provides one free report every 12 months on request.
  • Identity theft blocks (§ 1681c-2). If you send an identity theft report, DataX generally must block the fraudulent information.
  • Reporting time limits (§ 1681c). Most adverse information older than seven years may not be reported.
  • Adverse action notice (§ 1681m). A lender that denies you or offers worse terms based on a DataX report must name DataX and explain your right to a free copy and to dispute.

Can you sue DataX?

Yes, if DataX reported inaccurate information because it did not follow reasonable procedures, or if it failed to reasonably reinvestigate after you disputed. Common examples are a DataX report that kept a fraud loan after you sent an identity theft report, or that “verified” a paid-off loan as unpaid without looking at your payoff proof.

What you may recover. For a negligent violation, you may recover your actual damages, such as a lost loan, higher interest and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n).

The deadline. An FCRA lawsuit generally must be filed within two years after you discover the violation and no later than five years after it occurred (§ 1681p).

Whether you have a case depends on what DataX reported, what you sent in your dispute, and how you were harmed. Keep the denial letter, your DataX report, your dispute and DataX’s response.

Get a free case review

If a DataX report cost you a loan and the company would not fix it, do not wait too long. FCRA Attorneys represents consumers in federal court on contingency, so there is no fee unless we win. Contact us for a free case review, or see our FCRA practice and the other companies we cover.

Questions about suing DataX

Can I sue DataX?

Yes, if the facts support a claim. DataX is a consumer reporting agency that sells reports to lenders. If it reports inaccurate information without reasonable procedures, or fails to reasonably reinvestigate your dispute, you may have a claim under the FCRA.

Is DataX part of Equifax?

Yes. Equifax announced in July 2018 that it had acquired DataX, Ltd., and the CFPB's list of consumer reporting companies says DataX is wholly owned by Equifax. A DataX report is a separate file from your regular Equifax credit report, so check both.

How do I get my DataX report?

DataX's consumer site has a request form you can download and mail, and a phone line at 800-295-4790 (9 a.m. to 8 p.m. Eastern, Monday through Friday). The CFPB says DataX provides one free report every 12 months on request.

What does it cost to bring a case?

There is no fee unless we win. FCRA Attorneys handles these cases on contingency, and the FCRA lets a successful consumer recover reasonable attorney's fees and costs from the company.

Related reading

Sources

Updated November 2026. This page is general information, not legal advice.

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