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FCRA requires that prior to requesting a consumer report,
an end-user of information must provide to a consumer a
disclosure and authorization. Although the CRA is not responsible
for securing the disclosure and authorization, it cannot
procure a consumer report 1) if it has reason to believe
the report will be used for a purpose other than a permissible
purpose as defined in the Act, 15 U.S.C. Sec. 1681b(a) and
2) unless and until it obtains a certification from the
end-user that the end-user will be using the information
for a permissible purpose. 15 U.S.C. Sec. 1681b(b)
running a consumer report on a consumer for employment purposes,
what responsibility do you have as a CRA to ensure that
a disclosure and authorization is obtained by an applicant
CRA must follow the laws of the state whete the report is
am solely responsible for ensuring it is completed by an
as long as the employer cerifies to the CRA that it will
follow the law.
share this responsibility with the end-user.