Trubackgrounds is a consumer reporting agency under the federal Fair Credit Reporting Act, fifteen U.S.C. section 1681 and following. This page summarizes the rights of consumers, the obligations of employers, and the procedures Trubackgrounds follows to protect both.
Consumer Rights Under the FCRA
- You have the right to know what is in your file.
- You have the right to ask for a credit score where applicable.
- You have the right to dispute incomplete or inaccurate information.
- Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information, generally within thirty days.
- Consumer reporting agencies may not report outdated negative information beyond the time periods set by law.
- Access to your file is limited to those with a valid permissible purpose.
- You must give your consent for reports to be provided to employers.
- You may seek damages from violators.
- Identity theft victims and active duty military personnel have additional rights.
For the full Summary of Your Rights Under the Fair Credit Reporting Act published by the Consumer Financial Protection Bureau, visit consumerfinance.gov.
Disputing Information in a Report
If you believe information in a report Trubackgrounds prepared about you is inaccurate or incomplete, you can submit a dispute at no cost. Send the following to the contact below:
- Your full name, current address, date of birth, and the last four digits of your Social Security number.
- The name of the company that requested the report, if known.
- A clear description of the information you believe is inaccurate and the correction you are requesting.
- Any supporting documentation, such as court records, identification, or proof of residence.
Trubackgrounds will reinvestigate the disputed information, generally within thirty days, and will provide written results when the reinvestigation is complete. If information is corrected, an updated report will be furnished to the requesting employer at no charge.
Employer Obligations
Before requesting a consumer report on an applicant or employee, employers must:
- Provide a clear and conspicuous written disclosure to the consumer in a stand alone document.
- Obtain the consumer's written authorization.
- Certify to Trubackgrounds that the disclosure was made, authorization obtained, and the report will be used only for the certified permissible purpose.
Before taking adverse action based in whole or in part on a consumer report, the employer must provide the consumer with a pre adverse action notice that includes a copy of the report and the Summary of Rights, allow a reasonable opportunity to respond, and then provide a final adverse action notice if the decision is finalized.
State Law Considerations
State laws may impose additional obligations, including in California, New York, Massachusetts, Washington, and other jurisdictions. Trubackgrounds maintains state specific disclosure templates and adjudication rules within the platform. Clients are responsible for selecting and applying the rules appropriate to the position and jurisdiction.
Contact for FCRA Matters
Trubackgrounds, Inc.
Attn: FCRA Compliance
Email: Mhoang@trubackgrounds.com
Phone: 800.514.7622