CONSUMER FCRA RIGHTS

The Federal Trade Commissions information on Consumer's rights, obtaining a free credit report, Identity Theft and other credit issues are available at www.ftc.gov/credit.

FAIR CREDIT REPORTING ACT

Employers who have their prospective employees screened by professional screening firms such as ABS Screening are Users of Consumer Reports and are regulated by the federal Fair Credit Reporting Act ( FCRA ). Employers have certain responsibilities ensuring your rights including:

  • Provide you with written notification that a Consumer Report may be ordered on you.
  • Obtain your written permission on a stand-alone release form that cannot be combined with any other document such as an employment application or an employment agreement.
  • If the employer takes adverse action (denies employment or terminates a job offer) based on information contained in the Consumer Report, they must:
    1. Notify you that they are taking adverse action based on information contained in the Consumer Report.
    2. Provide you with a copy of the Consumer Report.
    3. Provide you with a copy of Summary of Consumer's Rights Under the Fair Credit Reporting Act form.
    4. Provide you with a means for disputing incorrect information contained in the Consumer Report.
  • Ensure that only authorized personnel involved in the evaluation and job offer process have access to your Consumer Report.
  • Ensure your privacy of required employment screening information and non-disclosure of your Consumer Report information.

TO DISPUTE INFORMATION CONTAINED IN AN ABS SCREENING CONSUMER REPORT

ABS Screening is a Consumer Reporting Agency and did not make the decision to take the adverse action and is unable to provide you with the specific reasons why the adverse action was taken.

If you have had a Consumer Report issued on you from ABS Screening and feel it contains incorrect information, click here ( Consumer Report Dispute Policy ).

To obtain a copy of your rights click here, Summary of Consumer's Rights Under the Fair Credit Reporting Act.

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