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How does TruDiligence handle applicant disputes?
|Article Number: 92 | Rating: Unrated | Last Updated: Wed, Sep 28, 2011 at 2:02 PM|
Section 611 of the Fair Credit Reporting Act (FCRA) outlines specific guidelines that must be followed when an applicant disputes the contents of a report provided by TruDiligence.
When the applicant receives a pre-adverse action notice from the employer, they generally have 5 business days to review the contents and file a dispute, if desired. Once the dispute is received by TruDiligence, we will re-investigate the data that has been disputed at no charge. The FCRA provides 30 days to complete this re-investigation and we must either amend our report or provide notice that the original data has been re-verified and remains unchanged.
If the re-investigation results in a change to the data, we will automatically send a copy of the amended report to the applicant and employer who requested the report.
The complete text of the FCRA is available here: http://www.ftc.gov/os/statutes/031224fcra.pdf
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