Volume 4, Edition 2, February 2008

Congratulations! You chose the correct answer.

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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