Fair Credit Reporting Act Form 604 For Background Check
Description
How to fill out FCRA Certification Letter To Consumer Reporting Agency?
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FAQ
Four Basic Steps to FCRA Compliance Step 1: Disclosure & Written Consent. Before requesting a consumer or investigative report, an employer must: ... Step 2: Certification To The Consumer Reporting Agency. ... Step 3: Provide Applicant With Pre-Adverse Action Documents. ... Step 4: Notify Applicant Of Adverse Action.
Section 604(a)(2) allows CRAs to furnish consumer reports in with the written instructions of the consumer to whom it relates.
The Fair Credit Reporting Act (FCRA) mandates that when a business pulls a credit report on someone, they must specify the reason, such as: In conjunction with a loan request. For employment purposes. As part of a credit check by a landlord.
FCRA section 604(c) defines when consumer reporting companies may furnish consumer reports in connection with credit and insurance transactions not initiated by the consumer. 15 U.S.C. 1681b(c).
A consumer report can contain a wide variety of information including credit history, past bankruptcy, judicial records, employment records, and even online activity. This information can only be accessed with approval from the individual and is highly regulated by the Fair Credit Reporting Act (FCRA).
