(78) This and similar enforcement actions demonstrate that the FTC takes a broad view of "consumer reporting agency
" under the FCRA.
* Notice of the consumer's right to request and obtain a free copy of the consumer report (from the consumer reporting agency
) if the applicant/employee requests one within 60 days of receiving notice of the adverse action
A consumer reporting agency
(15 USC section 1681a[f]) is "any person which, for monetary fees ...
provision covers a consumer reporting agency
's consumer reports and
(34) The notice must also provide the name, address, and phone number of the consumer reporting agency
furnishing the credit report so the consumer can dispute the report.
consumer reporting agency
Experian explains, "no victim steps
A reference verified by an employer is not covered by the FCRA or California law; a reference verified by a consumer reporting agency
Employers who purchase public-record information must be aware of the legal use of information under EEOC regulations and the Fair Credit Reporting Act, which applies to criminal and credit background checks provided by a consumer reporting agency
. Many databases are compiled using records that may not be provided by the courts and, therefore, are not legal.
First enacted in 2001 in California, sponsored by Senator Debra Bowen, the freeze limits a consumer reporting agency
from releasing a credit report or any information regarding the consumer without specific authorization from the consumer.
Examples of personal information are Social Security numbers, home addresses, phone numbers, certain background check information and information received from a consumer reporting agency
such as credit data.
That act, in an effort to assist victims of identity theft, imposes significant obligations to adopt procedures to avoid errors and resolve disputes on various persons, including those furnishing information to a consumer reporting agency
and persons using consumer reports from those agencies.
The FACT Act provides that if any financial institution (1) extends credit and regularly and in the ordinary course of business furnishes information to a nationwide consumer reporting agency
; and (2) furnishes negative information to such an agency regarding credit extended to a customer, the institution must provide a clear and conspicuous notice about furnishing negative information, in writing, to the customer.