Source: http://blog.businesscontrols.com/index.php/2012/03/using-consumer-reports-what-the-ftc-says-employers-need-to-know/
Timestamp: 2013-06-19 21:02:12
Document Index: 269355456

Matched Legal Cases: ['§ 1681', '§ 1681', '§ 1681', '§ 1681', '§ 1681', '§ 1681']

Second Edition » Using Consumer Reports: What the FTC Says Employers Need to Know
Using Consumer Reports: What the FTC Says Employers Need to Know Posted
March 13, 2012 by Eugene Ferraro	Pre-employment background checks also are known as consumer reports. They can include information from a variety of sources, including credit reports and criminal records.
According to FTC, you must take certain steps before you can get a consumer report, and before and after you take an adverse action based on that report.
Certify compliance to the company from which you are getting the applicant or employee’s information. You must certify that you:
1. notified the applicant or employee and got their permission to get a consumer report;
2.complied with all of the FCRA requirements; and
3. will not discriminate against the applicant or employee or otherwise misuse the information, as provided by any applicable federal or state equal opportunity laws or regulations.
It’s a good idea to review applicable laws of your state related to consumer reports. Some states restrict the use of consumer reports – usually credit reports – for employment purposes.
Investigative ReportsEmployers who use “investigative reports” – reports based on personal interviews concerning a person’s character, general reputation, personal characteristics, and lifestyle – have additional obligations under the FCRA. These obligations include giving written notice that you may request or have requested an investigative consumer report, and giving a statement that the person has a right to request additional disclosures and a summary of the scope and substance of the report. (See 15 U.S.C. section 1681d(a), (b)).
When you’re done using a consumer report, you must securely dispose of the report and any information you gathered from it. That can include burning, pulverizing, or shredding paper documents and disposing of electronic information so that it can’t be read or reconstructed. For more information, see Disposing of Consumer Report Information? New Rule Tells How.
Call Business Controls, Inc. at 800.650.7005 or visit the FTC’s Business Center: Your Link to the Law. There, you can find specific FCRA information on:
Getting consumer reports (see Section 604(b) of the FCRA, 15 U.S.C. § 1681b(b));
Taking an adverse action (see Section 604(b), 15 U.S.C. § 1681b(b), and Section 615(a)), 15 U.S.C. § 1681m(a);
Compliance for the trucking industry (see subsections (b)(2)(B), (b)(2)©), and (b)(3) of Section 604(b), 15 U.S.C. § 1681b(b));
Using investigative consumer reports (see Section 606 of the FCRA, 15 U.S.C. § 1681d);
Investigating misconduct (see Section 603(x) of the FCRA, 15 U.S.C. § 1681a(x)).
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