 Under the FCRA, MIB is categorized as a "nationwide specialty consumer reporting agency" and must provide annual disclosure of an MIB report to all consumers who request their files.Pictured is a censored copy of a real letter from MIB Group in response to a such a free annual FCRA disclosure request.Once known as the "Medical Information Bureau" MIB was organized in 1902 to provide fraud protection services to insurers.