09-09.pdf

A Summary of Your Rights Under the Fair Credit Reporting Act
Under the federal Fair Credit Reporting Act, an employer is required to provide the
individual with a copy of the official description of individual rights under the Act issued
by the Federal mission (titled “A Summary of Your Rights Under the Fair
Credit Reporting Act”) at various stages in the decision-making process.
The regulatory material issued by the Federal mission mandates that the
summary be in a separate document, on paper in the approximate size of 8 x 11 inches,
with text in approximately 12-point type (with an exception for the chart of federal
agencies, which may be in 8-point type), and with a specified format in terms of bold face
and capital letters. The attached form, which has been downloaded from the Federal Trade
Commission’s Web site, is the “official” version of the summary.
The summary must be provided at the time of initial disclosure when an employer
intends to obtain an investigative consumer report, and must again be provided
before any adverse action is taken based in whole or in part on information in a
consumer report or an investigative consumer report.
A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness,
and privacy of information in the files of every “consume