Requesting A Copy Of Your Consumer Report
In compliance with the FCRA, at any time you may request a free copy of your consumer report conducted by AccuSource, Inc.
If you wish to obtain your free copy, please contact AccuSource Inc. at:
Customer Service: 888-649-6272 (phone) / firstname.lastname@example.org (email)
For your security, you will be asked to verify your first/last name, date of birth and last 4 of your Social Security Number. Once the identifying data has been confirmed, a consumer copy will be sent to you along with a Summary of Consumer Rights.
Consumer Report: In general, the term means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer’s eligibility for (a) credit or insurance to be primarily for the personal, family, or household purposes; (b) employment purposes; or (c) any other purpose authorized under section 604 [S 1681b].
Consumer Reporting Agency (CRA): Any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
Fair Credit Reporting Act: The FCRA established specific requirements and rules that apply when an employer uses a third party to help conduct a background screen. The FCRA addresses the right and obligations of four groups: consumer reporting agencies, users of consumer information, furnishers of consumer information, and consumers. The FCRA does not pertain only to credit reports but to the entire consumer report.