Under the Fair Credit Reporting Act, a consumer reporting agency, on request by and proper identification of the consumer, must clearly and accurately disclose to the consumer:
the nature and substance of certain information in its files on the consumer;
the sources of most of that information;
the recipients of any consumer report on the consumer furnished for employment purposes within the two-year period preceding the request, and for any other purpose within the one-year period preceding the request;
the dates, original payees, and amounts of any checks on which is based any adverse characterization of the consumer, included in the file at the time of the disclosure; and
a record of all inquiries received by the agency during the one-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer.
Georgia Request for Disclosure as to Nature and Scope of Investigative Consumer Report
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How to fill out Request For Disclosure As To Nature And Scope Of Investigative Consumer Report?
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FAQ
Disclosure to Consumer is Required Before obtaining a consumer report the employer must first obtain written consent from the consumer (e.g., an applicant). The disclosure to the consumer that a consumer report may be obtained for employment purposes must be stated in clear terms and on a separate form.
Here's what may be included in this report: Verification information such as credit history, employment, salary and education and professional license verification. Criminal arrest and conviction information. Fingerprint information from state and federal criminal record databases. Driving record information.
Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision-making situations.
A Consumer Credit Report is an "Employment" credit report that provides information about a candidate's financial history. It may reveal indicators of finical irresponsibility that could affect your organization.
10-year vs. 7-year states StateLength of timeCaliforniaReporting of convictions is restricted to 7 years; non-convictions (including full pardons, arrests not leading to conviction, and other dismissed records) cannot be reported8 more rows ?
Investigative Reports These obligations include giving written notice that you may request or have requested an investigative consumer report, and giving a statement that the person has a right to request additional disclosures and a summary of the scope and substance of the report.
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).
As a rule of thumb, the distinction between the two types of investigations can be thought of as simply verifying the specific facts about education, employment or other information the applicant has provided to the employer ("consumer report") versus obtaining more general character or personal information through ...
