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Consumer Information

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

Legal Policy

Users of our site are bound to our Terms of Use. Please click here to view our terms of use in full.

Privacy Policy

American DataBank is committed to the privacy of our users. We make every effort to safeguard the information collected for employment screening and background check purposes. Click here to view our privacy policy in full.

Other Legal Policies

American DataBank provides internet links relating to legal policies and legislation as a courtesy to our customers and other users of the site. These websites are not affiliated with ADB, nor does ADB take responsibility for the accuracy, availability or content of these external sites.