Your Rights Under the FCRA
Consumers (applicants or employees) are protected under the Fair Credit Reporting Act (FCRA). If an organization is conducting a background check on you, you have the following rights:
- Reasonable procedures to obtain background information (an accurate report)
- Disclosure of the scope of background check
- No background check can be administered without your authorization (consent)
- The right to dispute the background report and initiate a reinvestigation
Review all of your rights under the FCRA here.
FCRA Notice to Users
End users (employers) are subject to the rules and regulations of the FCRA. End users must:
- Have permissible purpose to run a background check
- Provide certification to the CRA (American DataBank) of compliance with the FCRA
- Utilize disclosure and authorization forms before background screening
- Comply with adverse action requirements
To view all of your obligations under the FCRA, click here.
File A Dispute
One of the many rights of a consumer (applicant or employee) under the FCRA is the right to dispute the information obtained during a background check.
To file a dispute, click here.
Identity Theft Remedies
The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that your are, the victim of identity theft.
You have the right to ask that nationwide consumer reporting companies place “fraud alerts” in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as the agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
For more information, click here
Other Legal Policies
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