The Fair Credit Reporting Act also provides that a consumer reporting agency that furnishes a consumer report for employment purposes and which, for that purpose, compiles and reports items of information on consumers that are matters of public record and are likely to have an adverse effect on a consumer's ability to obtain employment must: (1) at the time the public record information is reported to the user of the consumer report, notify the consumer of the fact that public record information is being reported by the consumer reporting agency, together with the name and address of the person to whom the information is being reported; or (2) maintain strict procedures designed to insure that whenever public record information likely to have an adverse effect on a consumer's ability to obtain employment is reported, it is complete and up to date.
Ohio Notice to Consumer of Report of Public Record Information Likely to Have Adverse Effect is a legal document that informs consumers about the existence of potentially harmful public record information in their consumer reports. This notice is governed by the Ohio Fair Credit Reporting Act (FCRA) and is enforced by the Ohio Attorney General's Office. The purpose of the Ohio Notice to Consumer of Report of Public Record Information Likely to Have Adverse Effect is to ensure that consumers are aware of any adverse information contained in their consumer reports. This information may include criminal records, tax liens, bankruptcy filings, civil judgments, and other public record information that could have a negative impact on a consumer's creditworthiness. The Ohio FCRA requires that consumer reporting agencies (Crash) provide this notice to consumers when they receive a request for a consumer report that contains potentially adverse public record information. The notice must be sent to the consumer within a reasonable time after the report is provided to the user (employer, landlord, lender, etc.). There are different types of Ohio Notice to Consumer of Report of Public Record Information Likely to Have Adverse Effect, depending on the specific public record information contained in the consumer report. Some examples include: 1. Ohio Notice to Consumer of Criminal Record Information Likely to Have Adverse Effect: This notice is sent to consumers when their consumer reports contain criminal record information, such as convictions or pending criminal charges that may negatively impact their creditworthiness. 2. Ohio Notice to Consumer of Tax Lien Information Likely to Have Adverse Effect: This notice is sent to consumers when their consumer reports contain information about tax liens, which are legal claims by the government against a taxpayer's property due to unpaid taxes. 3. Ohio Notice to Consumer of Bankruptcy Information Likely to Have Adverse Effect: This notice is sent to consumers when their consumer reports contain information about bankruptcy filings, which indicate a consumer's inability to repay their debts and may have adverse effects on their creditworthiness. 4. Ohio Notice to Consumer of Civil Judgment Information Likely to Have Adverse Effect: This notice is sent to consumers when their consumer reports contain information about civil judgments, which are legal decisions in favor of one party in a lawsuit and may negatively impact a consumer's creditworthiness. It is crucial for consumers to review these Ohio notices carefully and take appropriate actions, such as disputing inaccurate information or seeking legal assistance if necessary. Understanding the potential adverse effects of public record information on consumer reports can help individuals protect their rights and make informed financial decisions.
