[downandout]

There is another major database called Early Warning [1] that also claims to be exempt from certain parts of the FCRA. I was an identity theft victim. After blocking credit checks at all 3 major bureaus and ChexSystems, I contacted these guys and asked them to block any reports they have on me. They essentially said that they don't have to, and won't, despite legislation allowing consumers to request freezing of credit files. I eventually got a nasty voicemail basically inviting me to sue them if I didn't like it.

These specialty databases need serious regulation...it's clear that credit bureaus and those that use them are tired of working within the confines of the FCRA and are going out of their way to create databases that are exempt.

[1] http://earlywarning.com/