Transcription of FCRA ADVERSE ACTION PROCEDURES - …
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FCRA ADVERSE ACTION PROCEDURES - …
Employment Screening Services Inc. (800) 473-7778 FCRA ADVERSE ACTION PROCEDURES The FCRA (15 1681) states that if you take ADVERSE ACTION ( , decide not to hire the applicant, not to promote, etc) based on a Consumer Report ( , a background check), you must notify them if the ADVERSE ACTION is based in whole or in part on a Consumer Report. Step One: Pre- ADVERSE ACTION Letter (before ADVERSE ACTION is taken) Send the applicant a copy of summary of their rights under the FCRA , a copy of their report, and a Pre- ADVERSE ACTION cover letter before the ACTION is taken.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.
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