The Fair Credit Reporting Act also provides that a consumer reporting agency that furnishes a consumer report for employment purposes and which, for that purpose, compiles and reports items of information on consumers that are matters of public record and are likely to have an adverse effect on a consumer's ability to obtain employment must: (1) at the time the public record information is reported to the user of the consumer report, notify the consumer of the fact that public record information is being reported by the consumer reporting agency, together with the name and address of the person to whom the information is being reported; or (2) maintain strict procedures designed to insure that whenever public record information likely to have an adverse effect on a consumer's ability to obtain employment is reported, it is complete and up to date.
The Missouri Notice to Consumer of Report of Public Record Information Likely to Have Adverse Effect is a legal document that aims to inform individuals about the potential negative impact of public record information on their consumer reports. This notice provides consumers with important information about their rights and allows them to take necessary actions to address any adverse effects. One type of Missouri Notice to Consumer is specifically related to bankruptcy records. In cases where an individual's bankruptcy records could potentially affect their consumer reports, this notice serves as a warning and provides relevant information on the potential consequences. Another type of Missouri Notice to Consumer pertains to criminal records. This notice informs consumers about the possible adverse effects that criminal records can have on their consumer reports. It emphasizes the importance of being aware of this information and taking appropriate steps to minimize any negative impact. Additionally, there is a Missouri Notice to Consumer related to civil judgments. This notice highlights the potential adverse effects of civil judgments appearing on consumer reports and advises consumers on how to address these issues. These Missouri Notices to Consumer are crucial in ensuring that individuals are informed about the potential adverse effects that public record information can have on their consumer reports. By providing detailed explanations and relevant keyword information, these notices help consumers make informed decisions and take necessary actions to protect their rights and creditworthiness.
