Turned down because of a Teletrack report?

Who Teletrack is and who relies on its reports

Teletrack, LLC is a specialty consumer reporting agency for the subprime lending market. According to the CFPB’s list of consumer reporting companies, Teletrack collects consumer information about, and provides data to, payday lenders and rent-to-own businesses, along with furniture stores that offer financing, auto finance and leasing companies, subprime lenders and card issuers, banks, credit unions, cable and telecom companies, and debt buyers and collectors. The CFPB says Teletrack is owned by Equifax.

Teletrack’s consumer website now says Teletrack is officially part of DataX, Ltd., an Equifax company, and directs consumers to DataX’s website and phone line. DataX describes itself as an information services provider that gives the non-prime lending community insight into consumer payment history. If a payday lender, installment lender, rent-to-own store or car lot turned you down and named Teletrack, the decision may have turned on a file you have never seen. That file is separate from your standard Equifax credit report. See our DataX page as well.

The FTC’s 2011 case against Teletrack

In June 2011, the FTC announced that Teletrack, Inc. had agreed to pay a $1.8 million civil penalty to settle charges that it violated the FCRA. According to the FTC, Teletrack built a marketing database from its credit reporting business and sold lists of consumers who had applied for non-traditional credit, such as payday loans, to marketers. The FTC said those lists were consumer reports and that “marketing is not a permissible purpose” under the FCRA. The order limits Teletrack to furnishing reports to parties it has reason to believe have a permissible purpose and adds reporting and recordkeeping requirements. The Department of Justice filed the case for the FTC in federal court in the Northern District of Georgia, and the FTC noted that its complaint is not a finding that the company broke the law and that the settlement is not an admission.

Errors that show up on Teletrack reports

Short-term loans are often applied for online, which makes them a common target for fraud and data mix-ups:

• Identity theft loans. Payday or installment loans taken out with your name and Social Security number.
• Repaid loans shown as unpaid. A loan you paid off still reported as charged off or sent to collection.
• Inquiries you did not make. Loan applications that were not yours.
• Mixed files. Another person’s loan history attached to you because of a similar name or shared address.
• Wrong-person accounts. Rent-to-own or auto finance accounts that belong to someone else.
• Shallow disputes. A dispute closed after the lender confirmed its own records without looking at your proof.

How to dispute Teletrack

1. Read the denial. A lender that turns you down based on a Teletrack report must say so in its adverse action notice.
2. Request your report. Teletrack’s consumer website now sends consumers to DataX at consumers.dataxltd.com and lists 800-295-4790 and P.O. Box 740125, Atlanta, GA 30374. The CFPB listing for Teletrack gives (877) 309-5226 and Teletrack, LLC, P.O. Box 740008, Atlanta, GA 30374. The CFPB says Teletrack provides one free report every 12 months on request, and you are also entitled to a free copy within 60 days after a denial.
3. Dispute each error. DataX’s consumer site has an Incorrect Reports page for disputing incorrect data. List each loan or inquiry that is wrong and explain why.
4. Send proof. Include copies of payoff letters, bank records, an FTC identity theft report, or ID and proof of address showing you are not the borrower. DataX asks consumers not to send Social Security numbers or dates of birth by email.
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. The CFPB says Teletrack will freeze your report if you ask, and DataX’s site has a credit freeze page.
7. Keep copies of everything, and use a mailing method with proof of delivery.

How to contact Teletrack

• Teletrack consumer website: consumers.teletrack.com (now directs consumers to DataX)
• DataX consumer website: consumers.dataxltd.com
• Phone (Teletrack and DataX consumer sites): 800-295-4790
• Phone (CFPB listing): (877) 309-5226
• Mailing address (Teletrack consumer site): P.O. Box 740125, Atlanta, GA 30374
• Mailing address (CFPB listing): Teletrack, LLC, P.O. Box 740008, Atlanta, GA 30374

Your rights under the FCRA

• Accuracy (15 U.S.C. § 1681e(b)). Teletrack must follow reasonable procedures to assure maximum possible accuracy of the information it reports.
• Reinvestigation (§ 1681i). Teletrack must reasonably reinvestigate your dispute, free of charge, generally within 30 days, forward it to the lender that reported the item, and correct or delete inaccurate, incomplete or unverifiable information.
• File disclosure (§ 1681g). You may see all information in your file, its sources and 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 Teletrack also provides one free report every 12 months on request.
• Permissible purpose (§ 1681b). Your report may be pulled or sold only for a purpose the FCRA allows. Marketing is not one of them.
• Identity theft blocks (§ 1681c-2). With an identity theft report, fraudulent loans generally must be blocked.
• Fraud alerts and freezes (§ 1681c-1). Federal law sets out fraud alert and freeze rights, and the CFPB says Teletrack will freeze your report on request.
• Adverse action notice (§ 1681m). A lender that denies you based on a Teletrack report must name Teletrack and explain your right to a free copy and to dispute.

Can you sue Teletrack?

Yes, if Teletrack reported inaccurate information because it did not follow reasonable procedures, failed to reasonably reinvestigate after you disputed, or released your report without a permissible purpose. A typical example is a file that kept showing a fraud payday loan after you sent an identity theft report.

What you may recover. For a negligent violation, you may recover your actual damages, such as a lost loan or lease, higher costs, 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).

Get a free case review

If a Teletrack report cost you a loan or lease and the company would not fix it, act promptly. FCRA Attorneys has offices in Dallas, Houston, Chicago, Los Angeles and Atlanta, and files FCRA cases in federal court nationwide, directly or with local counsel. We work on contingency, so there is no fee unless we win. Contact us for a free case review, or see our FCRA practice, our identity theft cases and the other companies we cover.

Questions about suing Teletrack

Can I sue Teletrack?

Yes, if the facts support a claim. Teletrack 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 Teletrack part of Equifax or DataX?

Both, in a sense. The CFPB's list of consumer reporting companies says Teletrack is owned by Equifax, and Teletrack's consumer website says Teletrack is now officially part of DataX, Ltd., an Equifax company. A Teletrack or DataX file is separate from your regular Equifax credit report.

How do I get my Teletrack report?

Teletrack's consumer website now points consumers to DataX, at consumers.dataxltd.com or 800-295-4790. The CFPB listing for Teletrack gives (877) 309-5226 and Teletrack, LLC, P.O. Box 740008, Atlanta, GA 30374, and says Teletrack provides one free report every 12 months on request.

Has the government taken action against Teletrack before?

Yes. In June 2011, the FTC announced that Teletrack, Inc. agreed to pay a $1.8 million civil penalty to settle FTC charges that it sold lists of consumers who had applied for non-traditional credit products, including payday loans, to marketers. The FTC said marketing is not a permissible purpose under the FCRA. The FTC noted its complaint is not a finding that the company broke the law.

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

• How to Dispute Credit Report Errors With Equifax, Experian and TransUnion
• An Account on My Credit Report Is Not Mine: What Now?
• How to Write a Credit Report Dispute Letter That Gets Investigated

Sources

• CFPB consumer reporting companies list: Teletrack, LLC (owned by Equifax; payday, rent-to-own and other subprime users; phone, mailing address, free annual report, security freeze)
• Teletrack consumer website (Teletrack now part of DataX, Ltd., an Equifax company; 800.295.4790; P.O. Box 740125, Atlanta, GA 30374)
• DataX consumer website (report requests, Incorrect Reports dispute page, credit freeze; consumer phone 800.295.4790)
• FTC press release: Consumer Reporting Agency to Pay $1.8 Million for Fair Credit Reporting Act Violations (Teletrack, June 27, 2011)
• CFPB: How do I dispute an error on my credit report?

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