About Us

On December 4, 2003, H.R. 262 was signed into law. The Fair and Accurate Credit Transactions Act of 2003 (FACT Act), which significantly impacts how organizations handle public and private consumer data changed how businesses handle vital consumer data.

In response, ComplyTraq was formed. Through experience and industry knowledge, ComplyTraq offers compliance services for organizations that handle public and private consumer data.

Our objective is to provide the necessary compliance tools for credentialing, follow-up audit services, as well as extensive employee training to help your business manage and meet state and federal consumer data compliance regulations. Save your company time and money by utilizing ComplyTraq’s proven compliance programs.


ComplyTraq began as a joint venture between MicroBilt Corporation, the premier provider of decision critical data, and consumer credit industry compliance veteran and attorney, Oscar Marquis, Esq. The company provides robust FCRA compliance, credentialing, and training services to the credit and data industries. Oscar Marquis, who worked at Trans Union for almost 25 years with 15 years as General Counsel, is the founding partner at Oscar Marquis & Associates, law firm (www.omarquislaw.com).

ComplyTraq was formed to serve the growing need for compliance within an industry that is under increasing pressure for state and federal regulation related to FCRA issues. Through the combined experience of MicroBilt teamed with Marquis and as regulation increases, ComplyTraq assists organizations with compliance.

MicroBilt Corporation has served the credit industry since 1978 offering data access most recently through their flagship website at www.MicroBilt.com . MicroBilt’s experience in compliance verification including onsite inspections, audit procedures as well as FCRA, GLBA, DPPA and credit bureau requirements, partnered with Marquis’ knowledge, creates a comprehensive resource for compliance guidance.

Marquis provides consulting services for ComplyTraq. Marquis is an expert on privacy and fair information practices, including the development of company policies governing the use and distribution of public and non-public data and the use of customer information. He has participated on behalf of clients with self-regulatory organizations, represented information services companies and users of consumer information before various regulatory agencies, participated in state and federal hearings on privacy topics, and helped with the development and implementation of procedures for compliance with laws such as the Gramm-Leach-Bliley financial privacy regulations, the EU Data Protection Directive, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. He has also worked with financial institutions and their compliance with state and federal credit and collection laws.

ComplyTraq is committed to assisting organizations handling consumer information with compliance requirements and aid in the protection of public and private data.

oscar marquis

Prior to forming Oscar Marquis & Associates, Mr. Marquis served as General Counsel of Trans Union LLC, one of the three national consumer credit bureaus, for almost 25 years. At Trans Union, Mr. Marquis was responsible for all of the company's legal, government and public affairs. He served on the company's executive council and participated in all major strategic decisions and business initiatives. Mr. Marquis is based in Chicago, Illinois.

In January 2001, Mr. Marquis was one of ten people appointed to three-year terms on the Federal Reserve Board's Consumer Advisory Council. The Council advised the Board on the exercise of its responsibilities under the Consumer Credit Protection Act and on other matters in the area of consumer financial services. He also serves on the Board of Directors of the Consumer Information Research Council.

Mr. Marquis is a frequent speaker on privacy, credit reporting and other information management topics. He has testified before Congress and the legislatures of many states on privacy and credit reporting issues, and he has appeared on CNN and Nightline.



MicroBilt is the leader in credit, retrieval, collection and data sources. MicroBilt is certified through and provides interfaces with the three consumer bureaus, Equifax (NYSE: EFX), Experian (London Stock Exchange: GUS) and Trans Union and the two commercial bureaus, D&B and Experian Business as well as LexisNexis. This data access is available via the Internet at www.MicroBilt.com, a systems integration tool kit, dedicated terminals and dial-up software. The company also enables web sites to enhance their content offerings by delivering a MicroBilt.com private label site to their established online communities. Private company information along with knowledge-based analytical tools and information services is available through Integra Information, a division of MicroBilt. MicroBilt maintains primary offices in Georgia and New Jersey.


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