Before you can obtain a free copy of the information Explore Information Services, LLC provided to your employer, we must first verify your identity by having you complete a Disclosure Request Form. This disclosure form needs to be filled out and signed by the individual desiring a copy of their report. We require this information so that we can accurately process your report request, and to ensure your privacy. This information is provided to you under the guidelines of the Fair Credit Reporting Act. A Summary of Your Rights Under the Fair Credit Reporting Act Completed forms can be mailed, faxed, or e-mailed to:
Explore Information Services, LLC
PO Box 21636
Saint Paul, MN 55121
Explore does not receive, store, or provide financial credit information. We do not provide credit reports. You may wish to inquire with your employer as to other companies which may have provided them information.
When you applied for insurance you gave the insurance company permission to access information necessary to determine your insurability. Your insurance company may obtain this information from an insurance support organization such as Explore. Similarly, for Explore to provide SuperVision reports to your employer, you gave your employer written permission to monitor your driving behavior. The FCRA entitles you to a free copy of reports provided to your insurance company or employer and all other relevant information in your file.
Only your insurance company representative or employer can answer that question. Explore is an information provider only and does not make any decisions regarding your insurance policy or employment status.
Explore receives information from official state agencies, employers and insurance companies. If the address listed for you or someone else on your report is not current, then you or they may need to update the driver’s license, information on file at your employer and/or policy address.
Some states send us an indicator that activity of some kind has occurred on your Motor Vehicle Record, but does not provide us with any details on the activity. Explore may send this “predictor” to your insurance company, and the insurance company must decide whether to order a complete Motor Vehicle Record and obtain the details. What’s important to know is that a “PREDICTOR” by itself does not mean you did anything wrong, nor can an insurance company take an adverse action based on it. PREDICTOR information is provided only to insurance companies, not employers.
After reviewing your report, if you believe any of the information is inaccurate you may file a dispute by mailing a written statement of dispute and supporting documentation to:
Explore Information Services, LLC
Consumer Service Center
2900 Lone Oak Pkwy, Suite 140
Eagan, MN 55121
Explore will review your dispute and contact the appropriate state agency to verify the current status of the information. If Explore’s records are updated as a result of your dispute, a revised copy of your report will be returned to you, your insurer and/or your employer.
For certain insurance services, Explore provides your insurance company with a report listing any drivers with a license address that matches an address related to your policy. Explore does not add an undisclosed driver to your policy, nor can we remove them. You must contact your insurance company representative.