The Fair Credit Reporting Act (FCRA),15 U.S.C. 1681-1681y, requires that this notice be
provided to inform users of consumer reports of their legal obligations. The first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer reports. The subsequent sections discuss the duties of users of reports that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations.
Missouri Notice To Users Of Consumer Reports - Obligations Of Users Under The FCRA
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Employment background checks also are known as consumer reports. They can include information from a variety of sources, including credit reports and criminal records.
The Fair Credit Reporting Act (FCRA) is designed to protect the privacy of consumer report information ? sometimes informally called ?credit reports? ? and to guarantee that information supplied by consumer reporting agencies (CRAs) is as accurate as possible.
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 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.
The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you (this is called "file disclosure").
A user must develop and implement reasonable policies and procedures designed to enable the user to form a reasonable belief that a consumer report relates to the consumer about whom it has requested the report, when the user receives a notice of address discrepancy.
IV. OBLIGATIONS WHEN INVESTIGATIVE CONSUMER REPORTS ARE USED The user must disclose to the consumer that an investigative consumer report may be obtained. ... The user must certify to the CRA that the disclosures set forth above have been made and that the user will make the disclosure described below.
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.