Something old, something new. We’re not talking weddings; we’re talking consumer reports. The old are employers’ obligations (which never hurt repeating) under the Fair Credit Reporting Act (FCRA) when using consumer reports as part of the background checking process. The new are the obligations employers face should a report indicate an address discrepancy.
Old FCRA Obligations
The FCRA requires an employer to take these steps when using a consumer reporting agency to perform aon an applicant or employee.
1. Notify the individual in writing before getting their consumer report; the document must consist solely of this notice. You must also obtain the individual’s written authorization before requesting the report from a consumer reporting agency.
2. Before taking an adverse action based on a consumer report, you must give the individual a pre-adverse action disclosure that includes a copy of ...(register to read more)