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Department of Transportation (DOT) regulations such as truck drivers. The DOT has get credit reports Pittsburgh independent authority to set qualifications for workers in transportation industries. (49 USC §31502) get credit reports Pittsburgh There is an error in my background get credit reports Pittsburgh check report. They have me mixed up with another person with a similar name and a criminal record. What should I do? First, talk to the employer. Explain the report’s errors, and tell the employer you intend to file get credit reports Pittsburgh a dispute with the employment screening company. Although the FCRA does not require the employer to hold the job for you, a sympathetic employer may be willing to give you a chance to get credit reports Pittsburgh correct any errors. Next, file a dispute with the employment screening company that made get credit reports Pittsburgh the error.

You may first call the company and tell them about the error. Then follow-up with a written dispute letter pointing out the errors in the report. Send your letter certified mail, return receipt requested. Along with your letter you may submit information that verifies get credit reports Pittsburgh your side of the story.

The background get credit reports Pittsburgh check report may show a criminal record for someone with your first and last name but with a different middle initial. The process for disputing errors in an employment report is the same as the process for disputing errors in get credit reports Pittsburgh your credit report. free credit report from

For more about filing disputes, along with a sample dispute get credit reports Pittsburgh letter, see the following FTC publication: How to Dispute Credit Report Errors: http://ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm What happens after I file a dispute with the employment screening company? After you file your dispute, get credit reports Pittsburgh the screening company has 30 days get credit reports Pittsburgh to investigate.

If, during that 30 day period, you file additional information, the investigation may be extended by another 15 days. So, 45 days is the maximum time allowed for considering your dispute. If get credit reports Pittsburgh information in your background screening report cannot be verified, it must be deleted. You must receive written notice of the results of the investigation not later get credit reports Pittsburgh than five business days after the investigation is completed.

You can ask the screening company to send the revised report get credit reports Pittsburgh to anyone who has received an employment report about you within the last two years. credit You also have the right to receive another free copy of your report within 60 days. For more information about an employer’s obligations under the FCRA, see the FTC publication: Using Consumer get credit reports Pittsburgh Reports: What Employers Need to Know:http://business.ftc.gov/documents/bus08-using-consumer-reports-what-employers-need-know For more information about an employee’s rights under the FCRA, see the FTC publication: Employment Background Checks get credit reports Pittsburgh and Credit Reports: www.ftc.gov/bcp/edu/pubs/consumer/credit/cre36.get credit reports Pittsburgh shtm Does the FCRA require that I receive notice and give authorization at any time a background check is obtained?get credit reports Pittsburgh According to FTC staff, the FCRA allows a "blanket" authorization. This means a one-time notice and authorization is sufficent to allow the employer to obtain reports at any time during employment. www.ftc.gov/os/statutes/fcra/james.shtm The requirement to get get credit reports Pittsburgh authorization may, however, be different under state law. In California, for example, notice and get credit reports Pittsburgh authorization is required "at any time before a report is procured." (California Civil Code Sec. 1786.16) The federal law has two significant loopholes. First, if the employer does not use a third-party screening company but, rather conducts the background check itself, it is not subject to the notice and consent provisions of the FCRA. Second, the employer might tell the rejected applicant that its adverse decision was not based on the contents of the background investigation, but, rather that get credit reports Pittsburgh the job pool was so exceptional that it made its hiring decision based on the fact that there were individuals more qualified than the applicant. free credit scores online In both of these situations, the applicant would get credit reports Pittsburgh not have the ability to obtain a copy of the background check to find out what negative information it contained.

We have learned of situations where the individual remained unemployed for years, not knowing that wrongful criminal records which resulted get credit reports Pittsburgh from identity theft were the reason for the individual's failure to find employment.