The federal Fair Credit Reporting Act (FCRA) aims to ensure fairness, accuracy, and privacy in consumer reports, including background checks or credit checks. UrbanMount frequently uses these checks for Professionals to foster a trustworthy environment. Below are your core FCRA rights:
Right to Be Informed
When a “consumer report” (which may include criminal or credit information) is used against you, you must be notified, given the name of the reporting agency, and informed of your right to dispute.
Right to Access
You can request a copy of your consumer report from reporting agencies. Proper identification is required, and in many cases, the disclosure is free once per year or after an adverse decision.
Right to Dispute
If you find inaccuracies, you have the right to dispute them with the reporting agency, which must investigate within a reasonable time. If the data proves erroneous or unverifiable, the agency must correct or remove it.
Limited Data Retention
Consumer reporting agencies typically cannot report negative information older than seven years or bankruptcies older than ten years. Employers or referral platforms cannot access your consumer report without your written permission.
Learn More
If you suspect FCRA violations or have questions about its provisions, see consumerfinance.gov/learnmore or contact your state attorney general. For disputes specifically involving an UrbanMount screening, please contact us or the reporting agency identified in your adverse action notice.