Free creditreport Gainesville

In California, at the time an employer obtains permission for a background check, the applicant or employee should also be told that he or she may request a copy of the report. The FCRA, in contrast, says the subject is entitled to a copy of the report if a pre-adverse notice is given. Under federal law, if free creditreport Gainesville the employer uses information from the consumer report for an "adverse action" - that is, denying the job free creditreport Gainesville applicant, terminating the employee, rescinding a job offer, or denying a promotion - it must take the following steps, which are explained further in the Federal Trade Commission's web site, www.ftc.gov/bcp/edu/pubs/business/credit/bus08.shtm Modified disclosure and adverse action procedures under the FCRA (§604(b)(3)(B)) apply to positions subject to U.S. Department of Transportation (DOT) regulations such as truck drivers. The DOT has independent authority to set qualifications for workers in transportation industries. (49 USC §31502) There is an error in my background check report. They have me mixed up with another person with a similar name and a criminal record. What should I do? First, talk to the employer. get a credit report Explain the report’s errors, and tell the employer you intend to file a dispute with the employment screening company. Although the FCRA does not require the employer to hold the job for you, a sympathetic employer may free creditreport Gainesville be willing to give you a chance to correct any errors. Next, file a dispute with the employment free creditreport Gainesville screening company that made the error. You may first call the company free creditreport Gainesville and tell them about the error. Then follow-up with a written dispute letter pointing out the errors in the report. Send your letter certified mail, return receipt requested. Along with your letter you may submit information that verifies your side of the story. The background check report may show a criminal record for someone with your first and last name but with a different middle initial. get free online credit report

The process for disputing errors in an employment report is the same as the process for disputing errors in your credit report. For more about filing disputes, along with a sample dispute letter, see the following FTC publication: How to Dispute Credit Report Errors: http://ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm What happens after free creditreport Gainesville I file a dispute with the employment screening company? After you file your dispute, the screening company has 30 days to investigate. If, free creditreport Gainesville during that 30 day period, you file additional information, the investigation may be extended by another 15 days.

So, 45 days is the maximum time allowed for considering your dispute. If information in your background screening report cannot be verified, it must be deleted. You must receive written notice of the results of the investigation not later than five business days after the investigation is completed.

You can ask the screening company to send the revised report to anyone who has received an employment report about you within free creditreport Gainesville the last two years. You also have the right to receive another free copy of your report within 60 days. www.annualcreditreport.com For more information about an employer’s obligations under the FCRA, see the FTC publication: Using Consumer Reports: What Employers Need to Know:http://business.ftc.gov/documents/bus08-using-consumer-reports-what-employers-need-know For more information about an employee’s rights under the FCRA, see the FTC publication: Employment Background Checks and Credit Reports: www.ftc.gov/bcp/edu/pubs/consumer/credit/cre36.shtm Does the FCRA require that I receive notice and give authorization at any time a background check is obtained? According to FTC staff, the FCRA allows a "blanket" authorization.