information on consumers for the purpose of furnishing consumer reports to third parties." (FCRA §603f) Under the FCRA, the employer must obtain the applicant's written authorization before the background free credit check online Tacoma check is conducted. The authorization must be free credit check online Tacoma on a document separate from all other documents such as an employment free credit check online Tacoma application. In California, at the time an employer obtains permission for a background check, the applicant or employee should also be told that he or she free credit check online Tacoma may request a copy of the report. The FCRA, in contrast, says the subject is entitled to a copy free credit check online Tacoma of the report if a pre-adverse notice is given.
Under federal law, if free credit check online Tacoma the employer uses information from the consumer report for an "adverse action" - that is, denying the job applicant, terminating the employee, rescinding a job free credit check online Tacoma offer, or denying a promotion - it must take the following steps, which are explained further in the Federal Trade Commission's web site, www.ftc.gov/bcp/edu/pubs/business/credit/bus08.shtm Modified disclosure and adverse action procedures under the FCRA (§604(b)(3)(B)) apply to positions subject free credit check online Tacoma to U.S. Department of Transportation (DOT) regulations such as truck drivers. three credit bureaus The DOT has independent authority to set qualifications for workers in transportation industries. (free credit check online Tacoma 49 USC §31502) There is an error in my background check report. They have me mixed up with another person with a similar name and a criminal record. What should I do? First, talk to the employer. Explain the report’s errors, and tell the employer you intend to file a free credit check online Tacoma dispute with the employment screening company.
Although the FCRA does not require the employer to hold the job for you, a sympathetic employer may be willing to give you a chance to correct any errors. Next, file a dispute with the employment screening company that made the error.
You may first call the company and tell them about the error. Then follow-up with a written dispute letter pointing out the errors in the report. Send your letter certified mail, return receipt requested. Along with your letter you may submit information that verifies your side of the story. free credit score check The background check report may show a criminal record for someone with your first and last name but free credit check online Tacoma with a different middle initial. The process for disputing errors in an employment report is the same as the process for disputing errors in your credit report. For more about filing disputes, along with a sample dispute letter, free credit check online Tacoma see the following FTC publication: How to free credit check online Tacoma Dispute Credit Report Errors: http://ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm What happens after I file a dispute with the employment screening company? After you file your dispute, the screening company has 30 free credit check online Tacoma days to investigate. If, during that 30 day period, you file additional information, the investigation may be extended by another 15 days. So, 45 days is free credit check online Tacoma the maximum time allowed for considering your dispute.
If information in your background screening report cannot be verified, it free credit check online Tacoma must be deleted.
You must receive written notice of the results of the free credit check online Tacoma investigation not later than five business days after the investigation is completed. You can ask the screening company to send the revised report to anyone who has received an employment report about you within the last two years. free online credit reports
You also have the right to receive another free copy of your report within 60 days. For more information about an employer’s obligations under the FCRA, see the FTC publication: Using Consumer Reports: What Employers Need to Know:http://business.ftc.gov/documents/bus08-using-consumer-reports-what-employers-need-know For more information about an employee’s rights under the free credit check online Tacoma FCRA, see the FTC publication: Employment Background Checks and Credit Reports: www.ftc.free credit check online Tacoma gov/bcp/edu/pubs/consumer/credit/cre36.shtm Does the FCRA require free credit check online Tacoma that I receive notice and give authorization at any time a background check is obtained? According to FTC staff, the FCRA allows a "blanket" authorization.
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