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Ing to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. §§ 1681n, 1681o. Willful violations may lead to employer liability for actual damages or statutory damages of between $100 and $1,000 per violation, punitive damages, and reasonable attorneys' fees and costs.

§ 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs). A CRA is an entity that assembles and sells credit information and financial information about individuals.

Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations.

The Fair Credit Reporting Act (FCRA) , 15 U.S.C. § 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs).

15 U.S.C. § 1681i provides consumers with the power to dispute inaccurate information that is listed on their credit reports. To do this, the consumer must notify the credit reporting agency of the inaccuracy or misstatement on his/her credit report in writing (i.e. a written letter).

3. Sources of Information Under FCRA Section 609(a)(2) Section 609(a) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer's file at the time of the request and the sources of the information.

FCRA section 604(f) prohibits a person from using or obtaining a consumer report ?unless . . . the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA section 604? and ?the purpose is certified in ance with FCRA section 607 by a prospective user of ...

The FCRA provides that before an employer takes an adverse action against a consumer based on a consumer report, the employer must provide a copy of the report to the consumer. 15 U.S.C. § 1681b(b)(3)(A).