Volume 10, Edition 3, March 2014
 

This Month’s Challenge is sponsored by:



 
 
 
 

Correct!

(A) If John Doe was making application for employment, then ABC has violated Section 1681k(a) (Section 613) in its failure to provide notice. However, if Mr. Doe is making application for another permissible purpose, then there is no violation in failing to send the notice at the time of the application. The issue is whether the report was accurate and up to date. (While Section 613 only requires minimal notice that public record information has been requested by the end user, it is best practice to provide a copy of the report as well. In this way, if there is a dispute, it can be handled sooner and hopefully resolved before adverse action is taken.)


ABC consumer reporting agency provided XYZ a consumer report regarding applicant John Doe. There were reports of past criminal acts of a sexual nature in the consumer report that ABC should have known would likely have an adverse effect upon Mr. Doe's application - which it does. ABC did not send Mr. Doe a notice at the time it sent the report to XYZ. Has ABC exposed itself to a violation of the FCRA?

a. There is not adequate information provided to determine this issue.

b. Yes

c. No

d. It depends on whether Mr. Doe requested a copy of the report at the time of the application.




 

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