1. When a notice is required
Adverse action includes denying or changing the terms of credit, insurance, housing or employment, or any other unfavorable decision based in whole or in part on an HOD Report.
2. What the notice must include
- Notice of the adverse action (oral, written or electronic).
- The name, address and toll-free or other contact details for Hub or Dub as the consumer reporting agency: Hub or Dub, Inc., hello@hubordub.com.
- A statement that Hub or Dub did not make the decision and cannot explain why it was made.
- Your right to a free copy of your HOD Report if requested within 60 days.
- Your right to dispute the accuracy or completeness of any information with Hub or Dub.
- Where a score was used, the score and the key factors that adversely affected it, as required by law.
3. Employment: pre-adverse action
Employers must send a pre-adverse action notice with a copy of the report and the CFPB Summary of Your Rights before final action, and allow time for you to respond.
4. Hub or Dub does not decide
Hub or Dub never approves or denies anyone. Every decision belongs to the business that made it. You can get your report for free and file a dispute at any time.
Contact, consumer requests, and disputes
Hub or Dub, Inc. is a U.S. consumer reporting agency operating in full compliance with the Fair Credit Reporting Act (FCRA), serving all 50 states and U.S. territories. The Stutson Family Trust, a private Nevada revocable family trust, ultimately owns 100% of all ventures through its wholly owned holding company, Hoddie Ventures, Inc., which owns and operates Hub or Dub, Inc., HOD Agencies, Inc., HOD IP Holdings, Inc., and HOD Technologies, Inc.. Hub or Dub, Inc. manages and oversees all operations. HOD Agencies, Inc. operates all HOD Agencies and franchises while providing services rendered by Hub or Dub, Inc.. HOD IP Holdings, Inc. exclusively owns all intellectual property. HOD Technologies, Inc. owns all software, technology and associated technological infrastructure. Every entity other than the trust is incorporated in New York, and each is a separate legal entity with its own role, records and obligations; no entity is liable for another's obligations except where it expressly agrees in writing or where law requires. Christian Stutson is Founder, Chairman and Chief Executive Officer of Hoddie Ventures, Inc. and its subsidiaries. Hub or Dub is a privately owned, family-run business and is not a government agency, government-sponsored entity, law-enforcement agency, or governmental representative. Hub or Dub, Inc.'s National Headquarters is located at 5 Pennsylvania Plaza, 19th Floor, New York, NY 10001, with remote operations across the United States and all U.S. territories. Legal notices go to legal@hubordub.com. Hub or Dub, Inc. is an independent private company and has no direct partnership, affiliation, endorsement, sponsorship, agency relationship, contractual relationship, or other formal relationship with any federal, state, local, territorial, or foreign government, government agency, governmental authority, or foreign governmental entity, unless expressly disclosed in writing by Hub or Dub.
- General and consumer support: hello@hubordub.com or a secure support ticket. Hub or Dub does not accept incoming calls and does not have a corporate phone number. Request a callback from a local HOD Agency or submit a support ticket online.
- File disclosure, disputes, and corrections: start a dispute — reinvestigated within 30 days (45 days where you add information during the reinvestigation).
- Your rights: Your rights · Use & compliance disclosures
- Privacy and state privacy rights: privacy@hubordub.com · state privacy rights
- Security reports: security@hubordub.com
No physical mail. Hub or Dub, Inc. does not currently accept in-person visits to its National Headquarters. All inquiries must be submitted online through the appropriate channels provided. Customer support, identity verification, reporting, investigations, disputes, and service delivery are conducted remotely through Hub or Dub's approved digital channels. Physical mail, walk-ins, document drop-offs, and on-site appointments are not accepted and cannot be processed. Please scan and email all documentation to hello@hubordub.com, or use secure upload and support ticketing inside your account. Hub or Dub does not accept incoming calls and does not have a corporate phone number. Request a callback from a local HOD Agency or submit a support ticket online. Please scan all documentation and email it to hello@hubordub.com so it can be logged, verified, and tied to your file record.