After receiving complaints from individuals around the country who have had trouble removing erroneous information or even learning about what is contained in their specialty credit report, U.S. Senator Claire McCaskill continued to fight for consumers by pushing for more information from the little-known world of consumer reporting agencies (CRAs). While consumers might be familiar with the three large credit bureaus—Experian, Equifax and TransUnion—the smaller CRAs typically only make themselves known to consumers after the consumers have been subjected to an adverse action. Although the Consumer Financial Protection Bureau has oversight authority over these CRAs, it is not required that the CRAs register with the agency, so there is no central list or database.

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