FCRA COMPLIANCE STATEMENT
Frontier Background Checks
Effective Date: Jan. 26th, 2026
Last Updated: Jan. 26th, 2026
Frontier Background Checks operates as a Consumer Reporting Agency (“CRA”) as defined under the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681 et seq.
We are committed to full compliance with all applicable federal and state laws governing the preparation and dissemination of consumer reports.
1. Permissible Purpose
Frontier Background Checks furnishes consumer reports only to clients who certify that they have a legally permissible purpose as defined under the FCRA.
Permissible purposes may include:
- Employment screening
- Tenant screening
- Credit evaluation
- Other lawful purposes authorized by federal law
We require certification of permissible purpose before providing any consumer report.
2. Consumer Authorization
Before preparing a consumer report for employment or housing purposes, Frontier Background Checks requires that:
- The end user provides a clear and conspicuous disclosure to the consumer
- The consumer provides written authorization
We do not prepare employment-related consumer reports without documented authorization.
3. Accuracy and Reasonable Procedures
Frontier Background Checks follows reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports.
Our procedures may include:
- Verification of public record sources
- Use of reputable data providers
- Internal quality control review
- Data validation processes
4. Consumer Dispute Process
Consumers have the right to dispute inaccurate or incomplete information in their report.
Upon receipt of a dispute, Frontier Background Checks will:
- Conduct a reasonable reinvestigation
- Review relevant documentation
- Contact original data sources where appropriate
- Correct or delete information that cannot be verified
Reinvestigations are generally completed within 30 days, as required by law.
5. Adverse Action Procedures
Clients using consumer reports for employment or housing purposes must comply with FCRA adverse action requirements, including:
- Providing a Pre-Adverse Action Notice
- Supplying a copy of the consumer report
- Providing the Summary of Rights under the FCRA
- Allowing reasonable time for dispute
- Issuing a Final Adverse Action Notice if applicable
Frontier Background Checks provides documentation templates to assist clients in meeting these obligations.
6. Data Security and Confidentiality
We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, or disclosure.
Access to consumer report information is restricted to authorized personnel and clients with certified permissible purposes.
7. Record Retention
We maintain records in accordance with applicable legal requirements and industry standards. Records are securely retained and disposed of using appropriate safeguards.
8. Prohibited Use
Consumer reports provided by Frontier Background Checks may not be used:
- For personal curiosity
- For harassment or discrimination
- Without written authorization where required
- For any purpose not authorized under the FCRA
Violation of permissible use requirements may result in immediate termination of services.
9. Contact Information
For questions regarding our compliance practices:
Frontier Background Checks
Frontierbackgroundchecks@gmail.com
(307) 257-5616