|Employment Insight and the law
The Fair Credit Reporting Act, as amended by the Consumer Credit Reporting Reform Act of 1996, allows users access to a consumer's credit report for employment purposes. The law imposes several conditions on users who pull consumer reports for employment purposes (Experian's Employment Insight report).
The law requires that users certify to Experian that:
The Fair Credit Reporting act has specific requirements on users taking adverse actions based on information contained in consumer reports. One of these duties includes providing Experian's name, address and telephone number to consumers. Your Experian sales representative can provide you with a copy of the complete requirements as prescribed by the Fair Credit Reporting Act.
Experian strongly recommends that employment not be denied solely on the basis of Employment Insight reports. Some states require additional notifications to consumers. (See State laws affecting Employment Insight below.)
The law also requires Experian to provide Consumer Rights to users of consumer reports for employment purposes. An initial supply of Consumer Rights will be provided to you by your Experian sales representative. Thereafter, a supply will be mailed to you periodically. Experian requires users to attach the Consumer Rights to each Employment Insight report that is received.
As part of the Employment Insight service, Experian notifies consumers that their file was accessed whenever the file contains derogatory public record information, such as bankruptcies, liens and judgments.
Employment Insight also prevents users from inadvertently violating equal employment opportunity laws by suppressing year of birth and spouse reference. It is also Experian's policy to suppress account number information that is irrelevant to hiring decisions. Additionally, Employment Insight inquiries display only on consumer reports provided to the consumer.
State laws affecting Employment Insight