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Examples of types of information that may qualify as CR include: arrest, convictions, judgements, and bankruptcies; criminal histories, education, and licenses held by consumers; drug tests (if provided by an intermediary to an employer but not when a drug lab provides the result directly to the employer)
Hundreds of companies provide employment background checks and qualify as consumer reporting agencies. Employment reports often include credit checks, criminal background checks, public recordssuch as bankruptcy filings and other court documentsand information related to your employment history.
If you're not satisfied with a business's response to your complaint, consider these steps:Contact your state attorney general or consumer protection office.Contact a national consumer organization.Contact your local Better Business Bureau.File a report with the Federal Trade Commission.Visit USA.gov/consumer.
A consumer report contains information about your personal and credit characteristics, character, general reputation, and lifestyle. To be covered by the FCRA, a report must be prepared by a consumer reporting agency (CRA), a business that assembles such reports for other businesses.
Check the store policy where you purchased the good. It may give you a certain period of time in which you can return the good. The policy may be on the back of the customer's receipt. Many stores require proof of purchase before they agree to refund or exchange an item with which a customer is not satisfied.
Employment background checks also are known as consumer reports. They can include information from a variety of sources, including credit reports and criminal records.
Employment background checks also are known as consumer reports. They can include information from a variety of sources, including credit reports and criminal records.
Anytime an employer requests a consumer report on an applicant or employee, obligations under the FCRA are triggered. Consumer reports can include a broad range of categories, including driving records, criminal records, credit reports, and other reports from third parties, such as drug tests.
File a complaint with your local consumer protection office or the state agency that regulates the company. Notify the Better Business Bureau (BBB) in your area about your problem. The BBB tries to resolve your complaints against companies.
If you're not satisfied with a business's response to your complaint, consider these steps:Contact your state attorney general or consumer protection office.Contact a national consumer organization.Contact your local Better Business Bureau.File a report with the Federal Trade Commission.Visit USA.gov/consumer.