The following notice is REQUIRED BY LAW

FACT ACT NOTICE

The Fair and Accurate Credit Transactions (FACT) Act, was signed into law in 2003.

Employers Choice Online, Inc. DBA Employer’s Choice Screening provides pre-employment background checks to employers. This notice is to inform consumers and assist them with:

  • Ordering a free copy of their credit report, as indicated in the FACT Act;
  • Obtaining a free copy of their background report (This applies only if your background report was authorized by you and processed by Employer’s Choice Screening on behalf of an Employer’s Choice Screening client);
  • Disputing the accuracy of a background report provided by Employer’s Choice Screening
  • Obtaining contact information for Employer’s Choice Screening

Obtaining your Free Annual Credit Report

The Fair and Accurate Credit Transaction Act (FACT Act) of 2003 that amended the Fair Credit Reporting Act (FCRA), allows consumers to obtain a free copy of their consumer file from certain consumer reporting agencies once during a 12 month period. The Fair Credit Reporting Act (FCRA) requires the three national credit bureaus (Equifax, Experian and TransUnion) provide a consumer with a free copy of his/her credit report, upon request, once in a twelve month period. Free credit reports are available under the FCRA at www.annualcreditreport.com. This is the only authorized Internet source for retrieving your free credit report under Federal law; Your report can also be obtained by calling 1-877-322-8228 or mailing a request to Annual Credit Report, PO Box 105281, Atlanta 30348-5281. You must provide your full legal name, current address, Social Security number, and date of birth, as well as a indicate if you would like your credit report from one, two or all three credit bureaus.

Obtaining your Background Report from Employer’s Choice Screening.

If you have had a background report run on you by Employer’s Choice Screening you may request a free annual file disclosure pursuant to the Free Annual File Disclosure Rule, 16 C.F.R. Part 610, under the following circumstances:

  • Once during a twelve-month period. This is often referred to as a “Free Annual Disclosure,” available from National Specialty Consumer Reporting Agencies.
  • Within 60 days of you the consumer receiving an adverse action notification.
  • Upon providing written certification that the consumer is unemployed and intends to apply for employment within 60 days.
  • Upon providing written certification that the consumer is a recipient of welfare assistance.
  • Upon providing written certification that the consumer has reason to believe that the file on the consumer contains inaccurate information due to fraud.

The FCRA describes a “disclosure” as “all information in the consumer’s file at the time of the request”. Further, some state laws also entitle consumers to free disclosures and/or Background Report copies in other circumstances.

You may contact Employer’s Choice Screening and request a Disclosure and/or a copy of the Consumer Report/Investigative Consumer Report (Background Report) of which you are the subject. This service is provided at no charge to you. Please note that proper identification will be required.

Please note that Employer’s Choice Screening only prepares Background Reports at the request of our client who must obtain authorization from you before proceeding. Therefore, unless you have previously authorized a prospective employer to obtain a Background Screening Report from about you, Employer’s Choice Screening will not have run a background report of which you are the subject. If you have not applied for employment with an employer that conducts pre-employment background reports through Employer’s Choice Screening, then you do not have a file with Employer’s Choice Screening. Generally, a consumer will be informed of the name and identity of the background company that was utilized by an employer (For example, Employer’s Choice Screening) on the Consent and Disclosure forms that an applicant must sign to authorize the background report being requested by their prospective employer.

Consumer Contact Information

Under state and federal law, consumers have the right to access a copy of their background report and to dispute the accuracy of any information contained within it.

The following convenient methods can be used by consumers to contact Employers Choice Screening:

Employers Choice Online, Inc.
9845 Painter Ave., Suite B
Whittier, CA 90605
Tel: (800) 424-7011
Attention: Compliance Department
compliance@EmployersChoiceScreening.com

 

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