Indiana Sample Certification from Company to Consumer Reporting Agency
Description
How to fill out Sample Certification From Company To Consumer Reporting Agency?
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FAQ
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.
The Fair Credit Reporting Act (FCRA) is a federal law that requires you to make a disclosure to employees or applicants informing them that you will obtain a consumer report about them for employment consideration purposes. The form of the disclosure must meet very specific criteria set forth in the statute.
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.
What is a Consumer Report? A consumer report contains information about your personal and credit characteristics, character, general reputation, and lifestyle. To be covered by the FCRA, a report must be prepared by a consumer reporting agency (CRA), a business that assembles such reports for other businesses.
The FCRA requires agencies to remove most negative credit information after seven years and bankruptcies after seven to 10 years, depending on the kind of bankruptcy. Restrictions around who can access your reports.
Disclosures to consumers. (a) Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer: (1) The nature and substance of all information (except medical information) in its files on the consumer at the time of the request.
The statement that a dispute meets the requirements of the FCRA means both that the consumer filed a formal dispute, and that the CRA has issued a formal Notice of Results of Reinvestigation finding the asserted inaccuracy has been verified as accurate.
The FCRA requires agencies to remove most negative credit information after seven years and bankruptcies after seven to 10 years, depending on the kind of bankruptcy. Restrictions around who can access your reports.
Under the FCRA, an employer may not run a background check on a prospective employee without first providing "a clear and conspicuous disclosure . . . in a document that consists solely of that disclosure, that a consumer report may be obtained for employment purposes." For efficiency, many employers include all
FCRA protects information collected by consumer reporting agencies, limits the persons who may obtain consumer credit reports, and requires users of such reports to notify consumers when "adverse action" (as defined under FCRA) has been taken on the basis of such reports.
