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The Federal Fair Credit Reporting Act permits
consumer-reporting agencies to provide consumer reports only for certain
purposes. Any subscriber who uses false pretenses to obtain a consumer report
may be subject to criminal prosecution. It is also a law violation for us to
give you a consumer report unless your purpose for obtaining it is permissible
under the Act. This means that you must always tell us the true reason for
requesting a consumer report. If the reason is not a permissible one under the
Act, we are required by law to deny your request. Listed below are the only
purposes that Section 604 of the Act permits.
- Pursuant to court order, of a
subpoena issued by a federal grand jury.
- Pursuant to the written
instruction of the consumer on whom the report is sought.
- For use in connection with a
credit transaction involving the consumer. Evaluating a "Consumer Credit
Application" or reviewing or collecting on a credit account are all permissible
purposes for obtaining a consumer report. It is not permissible for a creditor
to obtain a report on a consumer unless the consumer has applied for credit or
has an existing credit relationship with the creditor. Location or litigation
purposes are never permissible unless they involve collection of the consumer's
credit account.
- For use in employment
decisions involving the consumer. An employer (or its agent) may obtain a
consumer report in order to evaluate the consumer for possible employment,
promotion, reassignment or retention.
- For use in connection with a
consumer’s eligibility for a license or benefit granted by governmental
agency that is required to consider the applicant’s finances in the
process.
- For use in connection with a
business transaction involving the consumer. This section provides a strictly
limited basis for obtaining a consumer report. To qualify, the business
transaction must involve some benefit for which the consumer has applied. A
consumer’s application to rent an apartment or open a checking account
would qualify, as would a consumer’s request to pay for goods by check.
The business transaction must not involve credit, employment, or
insurance—those purposes are permissible only if they meet the standards
of (3, 4, and 5).
CONSUMER REPORTS WILL BE PROVIDED ONLY FOR THESE
PURPOSES!
Standard Release Forms are
needed for the following reports:
- Credit Reports
- Motor Vehicle Reports in
Arkansas. California requires state release form.
- Workers Comp in the following
states: Alabama, Canada, District of Columbia, Delaware, Idaho, Massachusetts,
Minnesota, Nevada, New Hampshire, North Dakota, South Carolina, South Dakota,
Utah, Virginia, W. Virginia. Wyoming.
- Statewide Criminal Records in
the following states: Idaho, Minnesota, North Dakota, and Rhode Island.
- Special state forms required
for statewide in: Alabama, Georgia, Illinois, New Hampshire, New Mexico, and
Virginia.
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