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.
Virginia 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
The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report.
Before Ordering a Background Check Report The FCRA requires employers to provide a ?clear and conspicuous? disclosure in writing to the applicant. The ?disclosure? must explain that a Consumer Report and/or Investigative Consumer Report may be procured for employment purposes.
See what information about you is maintained in our files by requesting a Consumer Disclosure Report. The report includes items such as real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information, and historical addresses.
A Consumer Disclosure is a complete account of all the information on your credit report, as mandated by consumer reporting legislation.
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 ...
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.
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.
(e) The term ?investigative consumer report? means a consumer report or portion thereof in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with ...
