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.
Arkansas Prospective User's Certification of Purposes For Which Consumer Reports Will Be Used
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Multi-State
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US-01415BG
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Word;
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How to fill out Prospective User's Certification Of Purposes For Which Consumer Reports Will Be Used?
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FAQ
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 any written, oral or other communication of any information by a Consumer Reporting Agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Before You Get a Consumer Report You must certify to the company from which you are getting the consumer report that you will use the report only for housing purposes. You may not use the consumer report for another purpose.
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.
Employment background checks also are known as consumer reports. They can include information from a variety of sources, including credit reports and criminal records.
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.
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.
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).
In general. Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other: In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
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.
