The Consumer Reports are powered by TransUnion, who are a Credit Reference Agency established in 2001. TransUnion, Equifax and Experian gain information about consumers and their credit history from various sources including electoral roll offices, county courts and the Insolvency Service, plus banks, building societies and lenders (known as subscribers) that have granted credit. 

Credit Reference Agencies collect and store personal details about consumers and their credit histories and are therefore bound by the Data Protection Act. This act requires that data relating to identifiable individuals must be accurate, relevant, held for a proper purpose and not out-of-date. Individuals have a legal right to access data held on them and all such data must be in a readily accessible format. TransUnion act as a data custodian for all account performance data received from subscribers. It is the subscriber’s responsibility to ensure their data is accurate. (This includes account performance data and search records.)