FCRA Frequently Asked Questions
A: As a business or organization that has previously received background check information from SELECTiON.COM®, or intends to do so in the future, you previously provided your contact information as a decision-maker. If you feel as though you have received this email in error, please forward to the appropriate person within your organization and notify us immediately so that we can update your client files.
A: The Fair Credit Reporting Act, 15 U.S.C. § 1681 (“FCRA”) is a federal law enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act ("FDCPA"), the FCRA forms the foundation of consumer rights law in the United States.
The federal FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. SELECTiON.COM® is a consumer reporting agency.
For more information, including information about additional rights, go to www.ftc.gov/credit or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.
A: Upon the creation of your account with SELECTiON.COM®, you were asked to review and agree to current Fair Credit Reporting Act terms via a document entitled “Attachment A”, which was attached to your agreement. From time-to-time the U.S. Government updates the FCRA terms and conditions. As part of our commitment to helping our clients remain FCRA compliant, we are asking all users of SELECTiON.COM® products and services to review and agree to the updated Summary of Rights under the FCRA which will be kept in your account file as “Attachment A”.
A: SELECTiON.COM® is a consumer reporting agency (“CRA”) and is mandated to abide by FCRA guidelines. Any business or organization acquiring data from a third-party provider for the purposes of making a decision related to an applicant’s candidacy is also obligated to abide by the terms of the FCRA.
A: Four specific sections of the document have been updated with language as provided by the Consumer Financial Protection Bureau (CFPB). They are as follows:
- We’ve clearly identified obligations of users: This original portion of “Attachment A” hasn’t changed all that much, although it now clearly states that this particular section specifically covers the obligations of USERS, which is you and your organization, under the terms of the FCRA.
- We provide a bullet-pointed summary of rights. Although also spelled out thoroughly in our suggested FCRA Disclosure and Consent documents, this section reiterates the rights of the consumer specifically during and after the application process.
- We provide a listing of U.S. Government agencies: States may enforce the FCRA, and many states have their own consumer reporting laws. Similarly, different industries and areas of commerce may have their own regulatory agency. We provide a source listing of federal rights by industry.
- Remedying the effects of identity theft: Identity theft affects people in many ways, and its consequences can be enormous. The FCRA provides specific rights when someone believes that he/she is the victim of identity theft. This is a brief summary of the rights designed to help recover from identity theft.
A: To review and agree to the updated Summary of Rights, please click the “Review and agree now” button on the email. These changes go into effect as soon as you consent, and you will be removed from future emails. Please note that, although our services will continue to be available under the existing terms for now, you will eventually need to agree to the updated Summary of Rights in order to continue to use our services.
A: The first, and most important, step in this process is to assure that both of us are sufficiently covered and operating under federally-mandated FCRA guidelines.
In order to authenticate your business entity, SELECTiON.COM® is required to have a copy of either your business license, articles of incorporation or government document showing your Tax ID Number on file.
These documents are used to validate your request for the receipt of consumer reports or other consumer information solely for business purposes.
Additionally you may also be contacted by a representative of SELECTiON.COM® requesting verification of your preferred contact information and one or more of the following documents:
- An Updated Agreement for Services
- A copy of your Nonprofit organization’s IRS Determination Letter
There may be additional documents requested, but ONLY from those clients specifically requesting Motor Vehicle Reports, Credit Checks, Prior Employment Verifications or Education Verifications.
A: Our commitment will always be to put our customers first in everything we do. We strive to always be transparent in our processes and secure in our procedures, helping you maintain compliance while providing timely and accurate reporting.
A: If you have any questions or concerns, please feel free to contact your SELECTiON.COM® Customer Service Representative or Satisfaction Executive at (800) 325-3609. Our office hours are Monday through Friday, 8 AM to 8 PM (EST).
For more information, including details about additional rights afforded under the Fair Credit Reporting Act, visit www.ftc.gov/credit or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.