The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every “consumer reporting agency” (CRA). Most CRAs are credit bureaus that gather and sell information about you — such as if you pay your bills on time or have filed bankruptcy — to creditors, employers, landlords, and other businesses. You can find the complete text of the FCRA, 15 U.S.C. 1681-1681u, at the Federal Trade Commission’s web site (http://www.ftc.gov). The FCRA gives you specific rights, as outlined below. You may have additional rights under state law. You may contact a state or local consumer protection agency or a state attorney general to learn those rights.
The Fair Credit Reporting Act
) is a United States federal law (codified at 15 U.S.C. § 1681 et seq.) that regulates the collection, dissemination, and use of consumer information, including consumer credit information. Full Statute
(PDF).) Along with the Fair Debt Collection Practices Act
(FDCPA), it forms the base of consumer credit rights in the United States. It was originally passed in 1970,and is enforced by the US Federal Trade Commission
and private litigants. The U.S. Equal Employment Opportunity Commission (EEOC)
is responsible for enforcing federal laws that make it illegal to discriminate against a job applicant or an employee because of the person’s race, color, religion, sex (including pregnancy), national origin, age (40 or older), disability or genetic information. It is also illegal to discriminate against a person because the person complained about discrimination, filed a charge of discrimination, or participated in an employment discrimination investigation or lawsuit. Most employers with at least 15 employees are covered by EEOC laws (20 employees in age discrimination cases). Most labor unions and employment agencies are also covered. The laws apply to all types of work situations, including hiring, firing, promotions, harassment, training, wages, and benefits.
The Fair and Accurate Credit Transactions Act (FACT Act)
was enacted in 2003 and amends the Fair Credit Reporting Act (FCRA), a federal law that regulates, in part, who is permitted to access your consumer report information and how it can be used. The FACT Act entitles consumers to obtain one free copy of their consumer files from certain consumer reporting agencies during each 12-month period. USA Check Now provides employment related consumer reports to our clients. If you have not applied for employment with a customer that we serve, we will not have an employment history report on you. We do not prepare consumer reports for any other purpose or for resale to unrelated parties. To request a free copy of a report copy by mail: Send your full legal name, social security number, and date of birth along with your contact telephone number and return address. Send your request to: USA Check Now ATTN: Consumer Reports 2820 Selwyn Ave. Suite 853 Charlotte, NC 28209