Add Date To Legal Texas Fair Credit Reporting Forms For Free

Ing to the Federal Trade Commission (FTC), an FCRA consumer report is any written, oral or other communication of any information by a consumer-reporting agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living.

The FCRA specifies those with a valid need for access. You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer.

Most Frequent Violations of the Fair Credit Reporting Act Reporting outdated information. Reporting false information. Accidentally mixing your files with another consumer. Failure to notify a creditor about a debt dispute. Failure to correct false information.

The FCRA affords individuals a private right of action that can be pursued in federal or state court against CRAs, users of credit reports, and furnishers. In certain circumstances, individuals can obtain attorney's fees, court costs, and punitive damages. Additionally, the FTC can enforce provisions of the act.

In addition to protecting the consumer once a check is underway, the FCRA requires an employer to disclose their intention to run the check and obtain the subject's permission before the check can legally begin.

By this document, [Employer Name] discloses to you that a consumer report, including an investigative consumer report containing information as to your character, general reputation, personal characteristics and mode of living, may be obtained for employment purposes as part of the pre-employment background ...