Please note the following information is for educational purposes only and does not constitute legal advice. The Summary of Rights and State Law
Disclosures must be provided apart from the disclosure paragraph. Please consult with counsel prior to using this form as part of your screening process.
A SUMMARY OF YOUR RIGHTS UNDER THE
FAIR CREDIT REPORTING ACT
Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection
Bureau, 1700 G Street N.W., Washington, DC 20552.
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of
consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and
specialty agencies (such agencies that sell information about check writing histories, medical records, and rental history
records). For more information, including information about additional rights, go to
www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau 1700 G Street N. W.,
Washington, DC 20552.
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type
of consumer report to deny your application for credit, insurance, of employment — or to take another adverse action
against you — must tell you, and must give you the name, address, and phone number of the agency that provided the
information.
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a
consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may
include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
● A person has taken adverse action against you because of information in your credit report
● You are a victim of identity the and place a fraud alert in your file
● Your file contains inaccurate information as a result of fraud
● You are on public assistance
● You are unemployed but expect to apply for employment within 60 days
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit
bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for
additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on
information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or
distribute scored used in residential real property loans, but you will have to pay for it. In some mortgage transactions,
you will receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is
incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your
dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.Consumer
reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Incomplete, inaccurate, or
unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency
may continue to report information it has verified as accurate.
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Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting
agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10
years old.
Access to your file is limited. A consumer reporting agency may provide information about you only to people with a
valid need — usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA
specifies those with a need for access.
You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out
information about you to your employer, or a potential employer, without your written consent given to the employer.
Written consent generally is not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore.
You may limit “prescreened” offers of credit and insurance you get based on information in your credit report.
Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you
choose to remove your name and address from the lists these offers are based on. You may opt out with the nationwide
credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
The following FCRA right applies with respect to nationwide consumer reporting agencies:
Consumers Have the Right To Obtain a Security Freeze
You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency
from releasing information in your credit report without your express authorization. The security freeze is designed to
prevent credit, loans, and services from being approved in your name without your consent. However, you should be
aware that using a security freeze to take control over who gets access to the personal and financial information in your
credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you
make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no
cost. An initial fraud alert is a 1-year alert that is placed on a consumerʼs credit file. Upon seeing a fraud alert display on a
consumerʼs credit file, a business is required to take steps to verify the consumerʼs identity before extending new credit. If
you are a victim of identity the, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person
or entity, with which you have an existing account that requests information in your credit report for the purposes of
reviewing or collecting the account. Reviewing the account includes activities related to account maintenance,
monitoring, credit line increases, and account upgrades and enhancements.
● You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer
reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in
state or federal court.
● Identity the victims and active duty military personnel have additional rights. For more information, visit
www.consumerfinance.gov/learnmore.
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States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you
may have more rights under state law. For more information, contact your state or local consumer
protection agency or your state Attorney General. For information about your federal rights, contact:
TYPE OF BUSINESS:
PLEASE CONTACT:
1.
a. Banks, savings associations, and credit unions with
total assets of over $10 billion and their affiliates
Consumer Financial Protection Bureau
1700 G Street, N. W., Washington, DC 20552
b. Such affiliates that are not banks, savings associations,
or credit unions also should list, in addition to the CFPB:
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, N.W., Washington, DC 20580
877-382-4357
2.
To the extent not included in item 1 above:
a. National banks, federal savings associations, and
federal branches and federal agencies of foreign banks
Office of Controller of the Currency
Customer Assistance Group
P.O. Box 53570 Houston, TX 77052
b. State member banks, branches and agencies of foreign
banks (other than federal branches, federal agencies, and
Insured State Branches of Foreign Banks), commercial
lending companies owned or controlled by foreign banks,
and organizations operating under section 25 or 25a of the
Federal Reserve Act.
Federal Reserve Consumer Help Center
P.O. Box 1200, Minneapolis, MN 55480
c. Nonmember Insured Banks, Insured State Branches of
Foreign Banks, and insured state savings associations
Division of Depositor and Consumer Protection
National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11, Kansas City, MO 64106
d. Federal Credit Unions
National Credit Union Administration
Office of Consumer Financial Protection
1775 Duke Street, Alexandria, VA 22314
3.
Air Carriers
Asst. General Counsel for Aviation Protection
Department of Transportation
1200 New Jersey Avenue, S.E., Washington, DC 20590
4.
Creditors Subject to the Surface Transportation Board
Office of Public Assistance, Governmental Affairs, and
Compliance Surface Transportation Board
395 E Street, S.W., Washington, DC 20423
5.
Creditors Subject to the Packers and Stockyards Act, 1921
Nearest Packers and Stockyards Division Regional Office
6.
Small Business Investment Companies
Associate Administrator, Office of Capital Access
United States Small Business Administration
409 Third Street, S.W., Suite 8200, Washington, DC 20416
7.
Brokers and Dealers
Securities and Exchange Commission
100 F Street, N.E., Washington, DC 20549
8.
Institutions that are members of the Farm Credit System
Farm Credit Administration
1501 Farm Credit Drive, McLean, VA 22102-5090
9.
Retailers, Finance Companies, and All Other Creditors Not
Listed Above
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, N.W., Washington, DC 20580
(877) 382-4357
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Please note the following information is for educational purposes only and does not constitute legal advice. The Summary of Rights and State Law
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STATE LAW DISCLOSURES
If you reside in, or are seeking work in any of the following states, please review these additional notices:
California: This is the Summary of Your Rights under California Civil Code 1786.22. You have the right to view your
file that an Investigative Consumer Reporting Agency holds. By providing proper identification and duplication cost, you
may obtain a copy of this information in person at the Consumer Reporting Agencyʼs regular business hours and aer
providing reasonable notice for your request. Additionally, you can make the same request via mail or over request a
summary of the file over the phone. The Consumer Reporting Agency can assist you in understanding your file, including
coded information. You are allowed to have one additional person accompany you so long as they provide proper
identification. “Proper Identification” includes documents such as a valid driverʼs license, social security account number,
military identification card, and credit cards. If an ICRA is unable to reasonably identify you on the basis of these
documents, they may require additional information concerning your employment and personal or family history in
order to verify your identity.
Maine: You have the right to ask and know whether a company ordered a background check on you. You can request the
name, address, and telephone number of the nearest Consumer Reporting Agency office. Your request will be processed
and sent to you within 5 business days.
Minnesota: You have the right in most circumstances to submit a written request to the consumer reporting agency for a
complete and accurate disclosure of the nature and scope of any consumer report the Company ordered about you. The
consumer reporting agency must provide you with this disclosure within 5 days aer (i) its receipt of your request or (ii)
the date the report was requested by the Company, whichever date is later.
Massachusetts: You have the right to obtain a copy of any of your consumer reports that your company has ordered on
you by contacting the Consumer Reporting Agency for a free copy.
New Jersey: You have the right to submit a request to the consumer reporting agency for a copy of any investigative
consumer report the Company requested about you. A full Summary of your Rights under New Jersey law is below.
New York: By submitting a written request, you can learn whether a company has run a background check on you. You
are allowed to inspect and order a copy of the report by directly contacting the Consumer Reporting Agency. If you have
been convicted of one or more criminal offenses, you can request the company to provide a written statement declaring
the reasons for the refusal of hire. This statement must be provided to you within 30 days of your request. New York
Corrections Law Article 23-A is also provided below.
Washington State: Aer submitting a written request and waiting a reasonable amount of time aer receiving the
disclosure, you have the right to receive a complete and accurate disclosure of the nature and scope of any “investigative”
consumer reports requested by an agency. The Washington Fair Credit Reporting Act requires Consumer Reporting
Agencies to provide you a summary of your rights and remedies upon request. Any information requested by a company
that deals with credit worthiness, credit standing or capacity is justified in order for employers to evaluate whether you
present a risk for the or dishonest behavior for the job you are being considered for. A full Summary of your Rights
under Washington law is below.
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NOTICE - BACKGROUND INVESTIGATION
MASSACHUSETTS RESIDENTS
You have a right to obtain a copy of your credit file from a consumer credit reporting agency. You may be
charged a reasonable fee not exceeding eight dollars. There is no fee, however, if you have been turned down
for credit, employment, insurance, or rental dwelling because of information in your credit report within the
preceding sixty days. The consumer credit reporting agency must provide someone to help you interpret the
information in your credit file. Each calendar year you are entitled to receive, upon request, one free consumer
credit report.
You have a right to dispute inaccurate information by contacting the consumer reporting agency directly, either
in writing or by telephone. The consumer reporting agency shall provide, upon request and without
unreasonable delay, a live representative of the consumer reporting agency to assist in dispute resolution
whenever possible and practicable, or to the extent consistent with federal law. However, neither you nor any
credit repair company or credit service organization has the right to have accurate, current, and verifiable
information removed from your credit report. In most cases, under state and federal law, the consumer credit
reporting agency must remove accurate, negative information from your report only if it is over seven years old,
and must remove bankruptcy information only if it is over ten years old.
If you have notified a consumer credit reporting agency in writing that you dispute the accuracy of information
in your file, the consumer credit reporting agency must then, within thirty business days, reinvestigate and
modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this
service. Any pertinent information and copies of all documents you have concerning a dispute should be given
to the consumer credit reporting agency.
If reinvestigation does not resolve the dispute to your satisfaction, you may send a statement to the consumer
credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer
credit reporting agency must include your statement about the disputed information in a report it issues about
You.
You have a right to receive a record of all inquiries relating to a credit transaction initiated in the six months
preceding your request, or two years in the case of a credit report used for employment purposes. This record
shall include the recipients of any consumer credit report.
You have the right to opt out of any prescreening lists compiled by or with the assistance of a consumer credit
reporting agency by calling the agencyʼs toll-free telephone number or contacting the agency in writing. You
may be entitled to collect compensation, in certain circumstances, if you are damaged by a personʼs negligent
or intentional failure to comply with the credit reporting act.
You have a right to request a “security freeze” on your consumer report. The security freeze will prohibit a
consumer reporting agency from releasing any information in your consumer report without your express
authorization. A security freeze shall be requested by sending a request either by certified mail, overnight mail
or regular stamped mail to a consumer reporting agency, or as authorized by regulation. The security freeze is
designed to prevent credit, loans or services from being approved in your name without your consent.
You should be aware that using a security freeze may delay, interfere with, or prevent the timely approval of
any subsequent request or application you make regarding new loans, credit, mortgage, insurance,
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government services or payments, rental housing, employment, investment, license, cellular phone, utilities,
digital signature, internet credit card transactions, or other services, including an extension of credit at point
of sale.
When you place a security freeze on your consumer report, within 5 business days of receiving your request
for a security freeze, the consumer reporting agency shall provide you with a personal identification
number or password to use if you choose to remove the freeze on your consumer report or to authorize the
release of your consumer report to a specific party or for a specified period of time aer the freeze is in
place. To provide that authorization, you must contact the consumer reporting agency and provide the
Following:
1. The personal identification number or password provided by the consumer reporting agency;
2. Proper identification to verify your identity; and
3. The third party or parties who are to receive the consumer report or the specified period of time for which the
report shall be available to authorized users of the consumer report.
A consumer reporting agency that receives a request from a consumer to li a freeze on a consumer report
shall comply with the request not later than 3 business days aer receiving the request.
A security freeze shall not apply to a person or entity, or to its affiliates, or collection agencies acting on
behalf of the person or entity, with which you have an existing account, that requests information relative
to your consumer report for the purposes of reviewing or collecting the account, if you have previously
given consent to the use of your consumer report. “Reviewing the account” includes activities related to
account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
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Please note the following information is for educational purposes only and does not constitute legal advice. The Summary of Rights and State Law
Disclosures must be provided apart from the disclosure paragraph. Please consult with counsel prior to using this form as part of your screening process.
NOTICE - BACKGROUND INVESTIGATION
NEW JERSEY RESIDENTS
New Jersey Residents or Employees – this summary of the provisions of the New Jersey Fair Credit Reporting Act
(“NJFCRA”) is being provided to you pursuant to state law (N.J.S.A. § 56:11-28 et seq.)
● Before an employer can obtain a consumer report about you from a consumer reporting agency they must provide
you with a clear and conspicuous disclosure in writing that such may be obtained for employment purposes. You
must provide written consent to the procurement, for employment purposes, of a consumer report.
● When using a consumer report for employment purposes, before taking adverse action based in whole or in part
on the report, an employer must provide you with a copy of the consumer report and a description in writing of
your rights under the federal Fair Credit Reporting Act as well as the NJFCRA.
● You must be afforded a reasonable opportunity to dispute with the consumer reporting agency, any information on
which the employer relied upon in your consumer report.
● You can request from a consumer reporting agency all information in your file, upon proper identification. This
includes sources of information and identification of each person who procured a consumer report for
employment purposes during the two-year period preceding your request. These requests must be made during
normal business hours and on reasonable notice. It can be done in person or by telephone, if you have made a
written request and pay the toll charge. A consumer reporting agency must provide trained personnel to explain to
you any information in the consumer report.
● You can dispute inaccurate information with the consumer reporting agency. If you dispute the completeness or
accuracy of any of the information in your file, the consumer reporting agency must reinvestigate free of charge
during a 30-day period. A consumer reporting agency must provide written notice to you of the results of the
reinvestigation not later than five business days aer completion of the reinvestigation.
● If, aer a reinvestigation, any information disputed by you is found to be inaccurate or incomplete or cannot be
verified, the consumer reporting agency must promptly delete that item of information from your file or modify
that item of information, as appropriate, based on the results of the reinvestigation.
● You can seek damages for noncompliance under the NJFCRA.
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NOTICE - BACKGROUND INVESTIGATION
NEW YORK RESIDENTS
New York Residents or Employees – this summary of the provisions of the New York Fair Credit
Reporting Act (“NYFCRA”) is being provided to you pursuant to state law (NY Gen Bus L § 380 et seq.)
You have the right to submit a written request to a company to learn if it has procured a consumer report on you.
If a report has been procured, the company shall provide the name and address of the consumer reporting agency
that furnished such report. You are allowed to inspect and order a copy of the report by directly contacting the
Consumer Reporting Agency. You have the right to contact a Consumer Reporting Agency by phone, email, or in person
visit to request information which may be contained in the agency's files which has been or may be used
for the purpose of providing a consumer report regarding you. The Consumer Reporting Agency shall provide a
decoded written version of the file or a written copy of the file with an explanation of any code used, if you so
request. The disclosure shall be provided in the manner selected by the you. If you have been denied credit in the
past thirty days, you are entitled to receive a written copy of your complete file, at no charge whatsoever, should
you choose to request such a copy. If you have been convicted of one or more criminal offenses, you can request
the company to provide a written statement declaring the reasons for the refusal of hire if the report was
procured for employment purposes. This statement must be provided to you within 30 days of your request. New
York Corrections Law Article 23-A is also provided below.
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NOTICE - BACKGROUND INVESTIGATION
NEW YORK RESIDENTS
New York Residents or Employees – this summary of the provisions of the New York Correction Law
is being provided to you pursuant to state law.
Article 23-A
Licensure and Employment of Persons Previously Convicted of One or More Criminal Offenses
§ 750. Definitions
For the purposes of this article, the following terms shall have the following meanings:
1. “Public agency” means the state or any local subdivision thereof, or any state or local department, agency, board
or commission.
2. “Private employer” means any person, company, corporation, labor organization or association which employs ten
or more persons.
3. “Direct relationship” means that the nature of criminal conduct for which the person was convicted has a direct
bearing on his fitness or ability to perform one or more of the duties or responsibilities necessarily related to the
license, opportunity, or job in question.
4. “License” means any certificate, license, permit or grant of permission required by the laws of this state, its political
subdivisions or instrumentalities as a condition for the lawful practice of any occupation, employment, trade,
vocation, business, or profession. Provided, however, that “license” shall not, for the purposes of this article,
include any license or permit to own, possess, carry, or fire any explosive, pistol, handgun, rifle, shotgun, or other
firearm.
5. “Employment” means any occupation, vocation or employment, or any form of vocational or educational training.
Provided, however, that “employment” shall not, for the purposes of this article, include membership in any law
enforcement agency.
§ 751. Applicability
The provisions of this article shall apply to any application by any person for a license or employment at any public or
private employer, who has previously been convicted of one or more criminal offenses in this state or in any other
jurisdiction, and to any license or employment held by any person whose conviction of one or more criminal offenses in
this state or in any other jurisdiction preceded such employment or granting of a license, except where a mandatory
forfeiture, disability or bar to employment is imposed by law, and has not been removed by an executive pardon,
certificate of relief from disabilities or certificate of good conduct. Nothing in this article shall be construed to affect any
right an employer may have with respect to an intentional misrepresentation in connection with an application for
employment made by a prospective employee or previously made by a current employee.
§ 752. Unfair discrimination against persons previously convicted of one or more criminal offenses prohibited
No application for any license or employment, and no employment or license held by an individual, to which the
provisions of this article are applicable, shall be denied or acted upon adversely by reason of the individualʼs having been
previously convicted of one or more criminal offenses, or by reason of a finding of lack of “good moral character” when
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such finding is based upon the fact that the individual has previously been convicted of one or more criminal offenses,
unless:
1. there is a direct relationship between one or more of the previous criminal offenses and the specific license or
employment sought or held by the individual; or
2. the issuance or continuation of the license or the granting or continuation of the employment would involve an
unreasonable risk to property or to the safety or welfare of specific individuals or the general public.
§ 753. Factors to be considered concerning a previous criminal conviction; presumption
1. In making a determination pursuant to section seven hundred fiy-two of this chapter, the public agency or private
employer shall consider the following factors:
a. The public policy of this state, as expressed in this act, to encourage the licensure and employment of persons
previously convicted of one or more criminal offenses.
b. The specific duties and responsibilities necessarily related to the license or employment sought or held by the
person.
c. The bearing, if any, the criminal offense or offenses for which the person was previously convicted will have on
his fitness or ability to perform one or more such duties or responsibilities.
d. The time which has elapsed since the occurrence of the criminal offense or offenses.
e. The age of the person at the time of occurrence of the criminal offense or offenses.
f. The seriousness of the offense or offenses.
g. Any information produced by the person, or produced on his behalf, in regard to his rehabilitation and good
conduct.
h. The legitimate interest of the public agency or private employer in protecting property, and the safety and
welfare of specific individuals or the general public.
2. In making a determination pursuant to section seven hundred fiy-two of this chapter, the public agency or private
employer shall also give consideration to a certificate of relief from disabilities or a certificate of good conduct
issued to the applicant, which certificate shall create a presumption of rehabilitation in regard to the offense or
offenses specified therein.
§ 754. Written statement upon denial of license or employment
At the request of any person previously convicted of one or more criminal offenses who has been denied a license or
employment, a public agency or private employer shall provide, within thirty days of a request, a written statement
setting forth the reasons for such denial.
§ 755. Enforcement
1. In relation to actions by public agencies, the provisions of this article shall be enforceable by a proceeding brought
pursuant to article seventy-eight of the civil practice law and rules.
2. In relation to actions by private employers, the provisions of this article shall be enforceable by the division of
human rights pursuant to the powers and procedures set forth in article fieen of the executive law, and,
concurrently, by the New York city commission on human rights.
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NOTICE - BACKGROUND INVESTIGATION
WASHINGTON STATE RESIDENTS
Washington State Residents or Employees – this summary of the provisions of the Washington State Fair Credit
Reporting Act (WFCRA) is being provided to you pursuant to state law. The WFCRA is designed to promote accuracy,
fairness, consumer confidentiality and the proper use of credit data by each consumer reporting agency (CRA) in
accordance with the requirements of the WFCRA.
The WFCRA is modeled aer, and generally provides the same rights as the federal Fair Credit Reporting Act (FCRA) (15
U.S.C. § 1681 et seq.) A summary of your rights under the FCRA is available at
http://files.consumerfinance.gov/f/201504_cfpb_summary_your-rights-under-fcra.pdf.
The complete text of the WFCRA RCW 19.182, can be obtained from the:
Washington Code Revisers Office
P.O. Box 40551
Olympia, WA 98504
Online at http://apps.leg.wa.gov/rcw/default.aspx?cite=19.182&full=true%20-%2019.182.070.
One significant distinction between the FCRA and the WFCRA is that in Washington, an employer may not obtain a
consumer report that indicates the consumerʼs credit worthiness, credit standing, or credit capacity, unless (1) the
information is substantially job related and the employerʼs reason(s) for using the information are disclosed in writing, or
(2) the information is required by law.
The following is a summary of your major rights under the WFCRA:
● You will be required to provide proper identification before reviewing your consumer file. Proper identification
may include your Social Security number. You may request to review your file at any time. A CRA will make
disclosures of your file available to you during normal business hours and on reasonable notice. File disclosures
may be done in person or by telephone, if you have made a written request and pay the toll charge, as applicable,
or by any other reasonable means. A CRA will provide trained personnel to explain to you any information in your
consumer report. Upon request, and proper identification, you may be permitted to bring one additional person
with you to review your consumer file. If the CRA provides you with a credit score, the agency will also provide you
with an explanation for that credit score.
● You have a right to know what is in your file. Upon proper identification, you may request and obtain all the
information about you in the CRAʼs files, although medical information may be withheld, and instead will be
disclosed to a health care provider of your choice. Your health care provider may disclose your medical information
to you directly. Your file disclosure will include all items of information the CRA maintains about you, including
sources of information (except sources acquired solely for use in an investigative report). The file will also identify
each person who procured your consumer report for employment purposes during the two-year period preceding
your request, or any person who procured your report for any other purpose within the six-months prior to your
request. When applicable, a record of inquiries the CRA received identifying you in a credit transaction that was
not initiated by you in the six-months prior to your file disclosure request. Each of these records will include the
name of the person or trade name of the business that sought your consumer file, and upon your request, their
respective addresses.
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● You are entitled to one free consumer report every 12 months, upon request. In many cases, your file disclosure
will be free. You may be charged a limited fee for a second or subsequent report requested by you during a 12
month period. You will also not be charged for:
○ a consumer report if a person has taken adverse action against you because of information in your
report;
○ the reinvestigation of information you dispute; or
○ corrected reports resulting from the deletion of inaccurate or unverifiable information.
● You must be told if information in your file has been used against you. If a person takes an adverse action against
you that is based, in whole or in part, on information contained in a consumer report, that person must tell you
(usually, through a written notice), and must give you the name, address, and telephone number of the CRA that
provided the information.
● You have a right to dispute incomplete or inaccurate information. If you identify information in your file that is
incomplete or inaccurate, and you notify the CRA directly of the dispute, the CRA will reinvestigate without charge
and record the current status of the disputed information before the end of thirty business days, unless your
dispute is frivolous. Upon completion of the reinvestigation, within five business days of the CRAʼs decision, the
agency will provide you notice in writing or through another authorized means, of the results of the reinvestigation.
If the CRA determines that your dispute is frivolous the agency will inform you of that determination, along with its
reasons, and your rights under the WFCRA within five business days.
● Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Upon
completion of the reinvestigation, if the information you disputed is found to be inaccurate or cannot be verified,
the CRA must delete the information and notify you of the correction. Information that has been found to be
inaccurate will not be reinserted into your consumer file, unless the furnisher of the information verifies the
accuracy and completeness of that information. In such circumstances, you will be notified, within thirty business
days that the information is being reinserted into your file. If the reinvestigation does not resolve your dispute, you
may file with the CRA a brief statement (that may be limited to 100 words) setting forth the nature of your dispute.
The statement will be placed in your consumer file and in any subsequent report containing the information you
disputed.
● You have the right to request that users of your consumer report be notified of any disputed information they
previously received within the statutory time frame. Aer certain disputed information has been deleted or you
have filed a statement of dispute, you may request that the CRA provides notification of that deleted item or item
of dispute to any person you designate who has, within two years received your consumer report for employment
purposes, or who has within six months received your report for any other purpose, if the furnished report
contained the deleted or disputed information.
● Consumer reporting agencies may not report outdated negative information. In most cases, a CRA may not
report negative information that is more than seven years old, or bankruptcies that are more than ten years old.
● You have the right to advanced disclosure of any fees. Any charges for file disclosures or other requested actions
to be taken by the CRA must be disclosed to you before the information is provided or the action is taken.
● Access to your file is limited. A CRA may provide information about you only to people with a valid need – usually
to consider an application with a creditor, insurer, employer, landlord, court or government agency, or in
accordance with your written instructions.
● You must be notified if reports are provided to employers. A CRA may not give out information about you to
employers without your knowledge. A potential employer must make a clear and conspicuous disclosure in writing
Provided by GoodHire | goodhire.com | Last Updated 10.28.2021 12
Please note the following information is for educational purposes only and does not constitute legal advice. The Summary of Rights and State Law
Disclosures must be provided apart from the disclosure paragraph. Please consult with counsel prior to using this form as part of your screening process.
to you or obtain your consent before obtaining a report. A current employer may not receive a report unless it has
given you written notice that reports may be used for employment purposes.
● You must be notified in writing if a person seeks an investigative consumer report about you. An investigative
consumer report may include information as to your character, general reputation, personal characteristics, and
mode of living. Within a reasonable period of time aer receiving such notice, you may request, in writing, a
disclosure as to the nature and scope of the investigation requested—which will be delivered to you within five
days of your request.
● You may limit “prescreened” offers of credit and insurance you get based on information in your credit report.
You may elect not to receive unsolicited “prescreened” offers for credit and insurance by using the CRAʼs
notification system to remove your name and address from the lists these offers are based on. You may opt-out
with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
● You may place a security freeze on your credit report. Under certain circumstances, you may request that a
security freeze be placed on your credit report to prevent it from being shared with potential creditors or insurance
companies when making determinations related to your eligibility for credit.
● You may be able to block information resulting from identity the from appearing on your credit report. If you
are a victim of identity the, certain CRAs must permanently block misinformation resulting from that the from
appearing on your credit report. You must provide the CRA with a copy of a police report as evidence of your claim
before it can place the block on your report.
● You may seek damages from violators. If a CRA, a user of consumer reports, or a furnisher of information to a CRA
violates the WFCRA, and you have a legal basis for a claim under the WFCRA, you may be able to bring a legal action
in court to assert your rights under the WFCRA. The applicable statute of limitations is specified in Wash. Stat. §
19.182.120 —which is generally two years from the date the cause of action accrued. Consumers who prevail on
claims to enforce the WCFRA may obtain actual damages, monetary penalties, reasonable attorneysʼ fees, costs,
and other relief.
For questions or concerns regarding the WFCRA, please contact:
Office of the Attorney General
Consumer Protection Division
800 5th Avenue, Suite 2000
Seattle, Washington 98104-3188
Phone 1-800-551-4636 or (206) 464-6684
Statewide Toll-Free TDD: 800-833-6388
Any complaints by consumers under state law may be directed to:
The Attorney Generalʼs Office via U.S. Mail or Online.
Information and forms related to filing a consumer complaint can be found at:
http://www.atg.wa.gov/FileAComplaint.aspx
Additional information about consumer issues can be found at:
http://www.atg.wa.gov/consumer-issues
Provided by GoodHire | goodhire.com | Last Updated 10.28.2021 13
Please note the following information is for educational purposes only and does not constitute legal advice. The Summary of Rights and State Law
Disclosures must be provided apart from the disclosure paragraph. Please consult with counsel prior to using this form as part of your screening process.
Provided by GoodHire | goodhire.com | Last Updated 10.28.2021 14
Please note the following information is for educational purposes only and does not constitute legal advice. The Summary of Rights and State Law
Disclosures must be provided apart from the disclosure paragraph. Please consult with counsel prior to using this form as part of your screening process.
Provided by GoodHire | goodhire.com | Last Updated 10.28.2021 15
Please note the following information is for educational purposes only and does not constitute legal advice. The Summary of Rights and State Law
Disclosures must be provided apart from the disclosure paragraph. Please consult with counsel prior to using this form as part of your screening process.
Provided by GoodHire | goodhire.com | Last Updated 10.28.2021 16
Please note the following information is for educational purposes only and does not constitute legal advice. The Summary of Rights and State Law
Disclosures must be provided apart from the disclosure paragraph. Please consult with counsel prior to using this form as part of your screening process.
Provided by GoodHire | goodhire.com | Last Updated 10.28.2021 17
