Volume 10, Edition 3, March 2014
 

This Month’s Challenge is sponsored by:



 
 
 
 

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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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