A Note from ClearChecks on HireRight Acquisition & New BackgroundChecks.com
backgroundchecks.com Legislation and Compliance Update: CFPB Updates Summary of Rights Under FCRA
October 12th, 2012
. Generally, a report that a background screening agency like backgroundchecks.com provides for use in connection with employment are “consumer reports” under the FCTA
The Summary of Rights is the document that explains to individuals what their rights are under the FCRA.  The FCRA requires you to provide this summary to individuals on whom you order consumer reports in two typical circumstances. First, you must provide it as a disclosure in connection with requesting “investigative” consumer reports, where the consumer reporting agency obtains information for you through interviews. Second, you must provide it before taking adverse action in connection with a consumer report for employment purposes. Additionally, backgroundchecks.com provides this when we provide sample forms to customers, when we collect authorizations from consumers, when we provide dispute forms, when we send certain notices and disclosures, and when we close disputes.
Attached you will find a copy of this updated Summary of Rights. It is also available at: http://www.backgroundbiz.com/compliance/Summary-of-Rights.pdf
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