Our Director of Compliance, Megan Consolo shared with me recently some questions on compliance that have come up from clients. As a Consumer Reporting Agency governed by the Fair Credit Reporting Act, we take these questions very seriously. We thought we would share them with you today:
1) Can you run a background check on yourself to see what comes up?
Under the Fair Credit Reporting Act: § 604 Credential Check wouldn’t have permissible purpose to run this background check. (Our only permissible purposes are Employment and Tenancy.)
2) From a candidate: Incorrect information was reported on my background check, and you fixed it after my dispute. However, I want to know who reported the incorrect information to you, will you provide that to me?
Under the Fair Credit Reporting Act: § 609 certain items must be disclosed to a candidate upon request such as: Information on file; sources; report recipients.
3) I want to run a background check on someone who applied, but I don’t have a release form because we’re not going to hire them. I just want to look into the crime they disclosed on their application.
Under the Fair Credit Reporting Act: § 606 there are required disclosures that must be made to consumers prior to obtaining investigative consumer reports on them.
Under the Fair Credit Reporting Act: § 604 Credential Check wouldn’t have permissible purpose.
I would be happy to discuss these and any other compliance questions with you. Feel free to reach out, simply dial 248-526-5205 or email me at
kenneth.lang@credentialcheck.com.
