Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: FL

Complaint narrative:
Checkr, as a consumer reporting agency, is obligated to adhere to the provisions outlined in 15 U.S. Code 1681b, which dictate permissible circumstances for furnishing consumer reports. These provisions require that Checkr may only furnish consumer reports under specific circumstances, such as in response to court orders or with the explicit written instructions of the consumer.

Furthermore, it is essential to underscore that Checkr, in violation of United States Code, accessed my consumer report without obtaining my written consent. This action directly contravenes the established guidelines set forth in 15 U.S. Code 1681b.

Moreover, the Consumer Financial Protection Bureau ( CFPB ) enforces laws such as the Fair Credit Reporting Act ( FCRA ), which regulates the collection, dissemination, and use of consumer credit information. Checkr 's unauthorized inquiries on my credit report constitute a violation of FCRA provisions aimed at protecting consumer privacy and ensuring fair credit reporting practices.

Additionally, Checkr 's actions run afoul of CFPB laws designed to safeguard consumers ' financial rights, including provisions outlined in the Dodd-Frank Wall Street Reform and Consumer Protection Act. These laws establish stringent guidelines to prevent unauthorized access to consumer credit information and maintain the accuracy and fairness of credit reporting practices.

Moreover, Checkr 's failure to obtain my explicit written consent before accessing my consumer report violates 15 U.S. Code 6802 ( b ) ( c ), which prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without providing consumers with an explanation of how to prevent such disclosure.

Furthermore, their inclusion of adverse information in my consumer report without authorization, as outlined in 15 U.S. Code 1681c ( a ) ( 5 ), constitutes a direct violation of United States Code.

Additionally, Checkr 's furnishing of inaccurate information to consumer reporting agencies, in contravention of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), and their failure to maintain reasonable procedures to ensure compliance with reporting limitations, as mandated by 15 U.S. Code 1681e, further demonstrate their disregard for consumer rights and legal obligations.

The unauthorized inquiries conducted by Checkr have resulted in potential harm to my creditworthiness and financial standing. These inquiries may affect my ability to secure credit or obtain favorable terms on loans and other financial products in the future.

In light of these violations perpetrated by Checkr, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take swift and appropriate action to rectify the infringement of my consumer rights. Furthermore, I request that Checkr cease any further unauthorized inquiries on my credit report without my explicit written consent.

Company response to consumer: Closed with explanation