What Teletrack does

Teletrack is a U.S. consumer reporting agency and a wholly-owned subsidiary/division of Equifax Inc. (NYSE: EFX), headquartered in Atlanta, Georgia. The company provides consumer reports to third parties for credit risk assessment and other purposes permitted by law, operating under the Fair Credit Reporting Act (FCRA). Teletrack positions itself as a complementary reporting source to the three major nationwide CRAs — Equifax, Experian, and TransUnion — with a stated focus on the alternative financial services market. Its core service surface consists of five FCRA-aligned offerings: consumer credit reports (available free to consumers annually or following adverse action), security freeze placement/lift/removal, complimentary re-investigation of disputed information, prescreen opt-out (5-year or permanent), and a specialized process for victims of human trafficking to block adverse information resulting from trafficking.

The underlying technology is a regulated consumer reporting infrastructure rather than a proprietary analytics platform; no AI/ML, APIs, SDKs, or MCP integrations are disclosed, and consumer-facing interactions are conducted primarily through a self-service website, phone support, and mail-based request processing with identity verification. Teletrack's business model is data monetization: it generates revenue by furnishing consumer reports to authorized third parties (creditors, lenders, insurers, employers) for credit risk assessment, while consumer-facing services are provided free of charge as required by FCRA. Distribution is bilateral — enterprise reporting delivered through Equifax's established business channels, and consumer services delivered via the Teletrack consumer portal, a single nationwide hotline, and PO Box-based mail processing in Atlanta. The company has no independent funding history, operates as a single U.S. jurisdiction entity (Georgia), and has no disclosed management team, M&A activity, or product launch cadence beyond steady-state FCRA-mandated service updates.

Name

Teletrack

Legal name

Teletrack

Website

https://consumers.teletrack.com/

Company type

Private

Founded year

2009

Operating status

Operating

Short description

Teletrack is a U.S. consumer reporting agency and a wholly-owned division of Equifax Inc. that furnishes consumer credit reports to authorized third parties for credit risk assessment and provides FCRA-mandated consumer services, including security freezes, dispute reinvestigation, prescreen opt-out, and human trafficking victim support.

Ownership category

akta.pro rank

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure

Revenue model

1. Consumer Credit Reporting: Teletrack operates as a consumer reporting agency that generates revenue by providing consumer reports to third parties for credit risk assessment and other legally permitted purposes. Reports are disclosed to companies authorized by consumers or otherwise permitted by law to access the information.

Distribution channels4 records

Marketing channels2 records

Core offering

Teletrack is a consumer reporting agency that provides consumer credit reports to authorized third parties for credit risk assessment and other legally permitted purposes. It also offers consumer-facing services including security freezes, re-investigations of disputed information, prescreen opt-outs, and specialized human trafficking victim support for removing adverse information from consumer files.

Product overview

Teletrack is a consumer reporting agency and an Equifax company that provides consumer reports to third parties for credit risk assessment and other legally permitted purposes. The company operates a consumer-facing web portal offering five core services: Consumer Credit Reports for annual free copies or upon adverse action, Security Freeze for placing, temporarily lifting, or removing freezes on consumer files, Re-Investigation Services for disputing inaccurate information, Prescreen Opt-Out for removing consumers from unsolicited credit/insurance offer lists, and Human Trafficking Victim Support for blocking adverse information resulting from trafficking. All services are accessible via the consumer portal with phone support at (877) 309-5226.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer Credit Reports Consumer reports provided to authorized third parties for credit risk assessment and other legally permitted purposes. Consumers are entitled to receive a free copy of their report annually or following adverse actions such as credit denials, housing decisions, or employment actions.
• Security Freeze A service allowing consumers to place, temporarily lift, or remove a security freeze on their consumer file to limit access to their credit information by third parties.
• Re-Investigation Services Complimentary reinvestigation service where Teletrack reviews disputed information and corrects any inaccurate or incomplete data found in consumer files, available upon consumer request via phone.
• Prescreen Opt-Out Service allowing consumers to remove their name and address from prescreen lists used by creditors and insurers for unsolicited credit or insurance offers, available for 5-year or permanent opt-out periods.
• Human Trafficking Victim Support Specialized process for victims of human trafficking to request removal or blocking of adverse information resulting from trafficking from their Teletrack credit report, with required documentation including proof of identity and victim determination from authorized governmental or non-governmental entities.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Equifax Inc.coreOthersTeletrack is an Equifax Company, operating as a subsidiary or division within Equifax Inc.'s consumer reporting infrastructure. The relationship provides Teletrack with the backing and brand recognition of one of the three major U.S. consumer reporting agencies.

Recent moves5 records

Expansion highlights3 records

Direct peers

• Clarity Services: Clarity Services is a specialty consumer reporting agency focused on the non-prime and short-term lending market, now owned by Experian. It is a direct peer to Teletrack because both serve the same alternative financial services / subprime lender customer base with FCRA-compliant consumer credit reports.
• FactorTrust: FactorTrust (now part of TransUnion) is a specialty consumer reporting agency serving the alternative financial services and non-prime lending market. It is a direct peer to Teletrack because both provide credit risk data specifically for subprime, payday, and installment lenders using similar permissible-purpose FCRA frameworks.
• MicroBilt: MicroBilt (now part of LexisNexis Risk Solutions) provides consumer alternative credit data and risk decisioning for the non-prime and thin-file market. It is a direct peer to Teletrack because both specialize in credit risk data for lenders serving underbanked consumers.

Broad incumbents

• Chex Systems: Chex Systems is a specialty consumer reporting agency owned by Equifax that tracks consumer banking account history and detects bounced-check/fraud activity. It is a sister-brand peer to Teletrack — both are Equifax-owned specialty CRAs governed by FCRA, serving overlapping permissible-purpose markets including deposit account screening.
• Equifax Inc. Equifax Inc. is one of the three major nationwide consumer reporting agencies and the parent company of Teletrack. It is comparable to Teletrack as the foundational credit bureau whose infrastructure and brand Teletrack directly leverages, while operating as a broad incumbent offering the full-suite consumer reports Teletrack complements.
• Experian: Experian is one of the three major nationwide consumer reporting agencies offering consumer credit reports, scores, and analytics. It is a broad incumbent peer to Teletrack as a competitor in consumer credit reporting, and as the parent of Clarity Services (a more direct specialty competitor).
• TransUnion: TransUnion is one of the three major nationwide consumer reporting agencies offering consumer credit reports, scores, and risk analytics. It is a broad incumbent peer to Teletrack as a competitor in consumer credit reporting, and as the parent of FactorTrust (a more direct specialty competitor).
• LexisNexis Risk Solutions: LexisNexis Risk Solutions provides consumer credit, identity, and alternative financial data for risk decisioning across multiple verticals. It is a broad incumbent peer to Teletrack as a consumer data and risk analytics provider, and as the parent of MicroBilt (a direct specialty competitor).

Emerging players

• ID Analytics: ID Analytics (now part of LexisNexis Risk Solutions) provides identity risk and credit analytics for lenders and issuers. It is an emerging player peer to Teletrack because it serves overlapping alternative-data credit decisioning customers with more advanced analytics, representing a technology-driven competitor in the same customer segment.
• PRBC (Pay Rent, Build Credit): PRBC (now operating as RentTrack and similar platforms) is a specialty consumer reporting agency that incorporates alternative data such as rental payment history into consumer credit files. It is an emerging player peer to Teletrack because both compete for the same thin-file / alternative-data consumer reporting market with FCRA-compliant specialty data.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Teletrack