Fbi Criminal Background Check & Fingerprint Authorization Form Addendum: Diocese Location & Position Checklist Page 4
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4A Summary of Your Rights Under the Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer
reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty
agencies (such as agencies that sell information about check writing histories, medical records, and rental history
records). Here is a summary of your major rights under the FCRA. For more information, including information about
additional rights, go to or write to: Consumer Financial Protection Bureau, 1700
G Street N.W., Washington, DC 20006.
1.
You must be told if information in your file has been used against you. Anyone who uses a credit report or
any other type of consumer report to deny your application for credit, insurance, or employment – or to take
adverse action against you - must tell you, and give you the name, address, and phone number of the agency that
provided the information.
2. You have the right to know what is in your file. You may request and obtain all the information about you in
the files of a consumer-reporting agency (your “file disclosure”). You will be required to provide proper
identification, which may include your Social Security number. In many cases, the disclosure will be free. You are
entitled to a free file disclosure if:
A person has taken adverse action against you because of information in your credit file;
You are the victim of identity theft and place a fraud alert in your file;
Your file contains inaccurate information as the result of fraud;
You are on public assistance;
You are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide
credit bureau and from nationwide specialty consumer reporting agencies. See
for additional information.
3.
You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness
based on information from credit bureaus. You may request a credit score form consumer reporting agencies that
create credit scores or distribute scores used in residential real property loans, but you will have to pay for it. In
some mortgage transactions, you will receive credit score information free from the mortgage lender.
4.
You have a right to dispute incomplete or inaccurate information. If you identify information in your file that is
incomplete or inaccurate, and report it to the consumer-reporting agency, the agency must investigate unless your
dispute is frivolous. See for an explanation of dispute procedures.
5. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However
a consumer reporting agency may continue to report information it has verified as accurate.
6. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer-
reporting agency may not report negative information that is more than seven years old, or bankruptcies that are
more than 10 years old.
7. Access to your file is limited. A consumer report agency may provide information about you only to people with
a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business.
The FCRA specifies those with a valid need for access.
8. You must give your consent for reports to be provided to employers. A consumer-reporting agency may not
give out information about you to your employer, or potential employer, without your written consent given to the
employer. Written consent generally is not required in the trucking industry. For more information go to
.
9. You may limit “prescreened” offers of credit and insurance you get based on information in your credit
report. Unsolicited “prescreened” offers of credit and insurance must include a toll-free number you can call if
you choose to remove your name and address from the lists these offers are based on. You may opt-out with the
nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688)
10. You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer
reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in
state or federal court.
11. Identity theft victims and active duty military personnel have additional rights. For more information visit
.
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. For more information, contact your state or local consumer protection agency or your
state Attorney General. For info about your federal rights, including contact information, visit
Para Informacion en espanol, visite o escribe a la FTC Consumer
Response Center, Room 130-A 600 Pennsylvania Avenue. N.W., Washington, DC 20580
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