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The
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)
Question
#2
Before
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
or employee?
a) The
CRA must follow the laws of the state whete the report is
being generated.
b) I
am solely responsible for ensuring it is completed by an
applicant.
c) None,
as long as the employer cerifies to the CRA that it will
follow the law.
d) I
share this responsibility with the end-user.
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