Consumer reporting agencies, under 15 U.S.C.A. § 1681e, must require that prospective users of consumer reports:
identify themselves,
certify the purposes for which the information is sought, and
certify that the information will be used for no other purpose.
Alaska Prospective User's Certification of Purposes For Which Consumer Reports Will Be Used
Category:
State:
Multi-State
Control #:
US-01415BG
Format:
Word;
Rich Text
Instant download
Description
How to fill out Prospective User's Certification Of Purposes For Which Consumer Reports Will Be Used?
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FAQ
Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. Employees of CRAs who knowingly provide consumer reports to those who do not have a permissible purpose could face up to 2 years of imprisonment.
The correct answer is D) Verification of identity. A consumer report is typically used for evaluating an individual's creditworthiness, eligibility for insurance, and employment purposes.
A consumer report is background information collected by consumer reporting agencies and used by employers and creditors in determining whether to hire or loan to an individual.
Information excluded from consumer reports further include: Arrest records more than 7 years old. Items of adverse information, except criminal convictions older than 7 years. Negative credit data, civil judgments, paid tax liens, and/or collections accounts older than 7 years.
It's important to review your credit reports from the three nationwide consumer reporting companies?Equifax, TransUnion, and Experian?every twelve months to ensure they are accurate and complete.
Consumer information does not include information that does not identify individuals, such as aggregate information or blind data.
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.
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).
