FrontierBackground Checks LLC
⚖️ Your Legal Rights
Summary of Consumer Rights
Under the Fair Credit Reporting Act (FCRA), you have important rights as the subject of a background check. This page summarizes those rights in plain language.
What Is the FCRA?
The Fair Credit Reporting Act (FCRA) is a federal law that promotes the accuracy, fairness, and privacy of information in consumer reporting agency files. It gives you specific rights when a background check, credit report, or other consumer report is obtained about you.
Frontier Background Checks LLC is a Consumer Reporting Agency (CRA) under the FCRA. As such, we are required to provide you with this summary of your rights before or when a report is obtained about you for employment purposes.
📌 Important
These rights apply any time a background check is obtained about you — whether you are hired, not hired, promoted, or have any other employment decision made based on the report.
Your Rights Under the FCRA
1
Right to Know a Report Was Obtained
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment — or to take another adverse action — must tell you, and must give you the name, address, and phone number of the agency that provided the information.
2
Right to Know What Is in Your File
You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if a person has taken adverse action against you based on information in your report.
3
Right to Ask for a Credit Score
If a credit score was used in connection with your report, you have the right to request and obtain it. For a joint application, request the score for the joint applicant, as well. Credit scores may be requested at a reasonable charge.
4
Right to Dispute Inaccurate or Incomplete Information
If you identify information in your file that is inaccurate or incomplete, you can dispute it by contacting Frontier Background Checks LLC directly. We must investigate your dispute — usually within 30 days — unless we consider your dispute frivolous. We must forward all relevant data you provide about the inaccuracy to the information provider. The information provider must investigate, review all relevant information provided by the consumer reporting agency, and report the results back.
5
Right to Have Inaccurate Information Corrected or Deleted
If an investigation finds the information is inaccurate or cannot be verified, the consumer reporting agency must correct or delete it within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. After an item is deleted or a statement is added to your file, you may ask that a corrected version of your report be sent to anyone who received it in the past six months.
6
Right to Add a Statement of Dispute
If a reinvestigation does not resolve your dispute to your satisfaction, you may add a statement of up to 100 words to your file explaining the dispute. Frontier Background Checks LLC must include a summary of your statement in future reports containing the disputed information.
7
Right to Limit “Prescreened” Offers
Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-888-567-8688.
8
Right to Seek Damages from Violators
If a consumer reporting agency, or in some cases a user of consumer reports or a furnisher of information to a consumer reporting agency, violates the FCRA, you may be able to sue in state or federal court. The FCRA provides for actual damages, statutory damages up to $1,000 per violation, punitive damages, and attorney’s fees in successful actions.
9
Right to Receive Prior Notice of Adverse Action
Before an employer takes adverse action based on a background check report, they must give you a copy of the report and a written description of your rights under the FCRA. You then have a reasonable period of time to dispute any inaccurate information before the final adverse action is taken.
Identity Theft Protections
The FCRA also provides protections if you are a victim of identity theft:
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Fraud Alerts
You may place a fraud alert in your file by contacting one of the three major credit bureaus. A fraud alert tells creditors to follow certain procedures before they open new accounts or make changes to your existing accounts.
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Security Freeze
You have the right to place a security freeze on your credit report, which prohibits a consumer reporting agency from releasing information in your credit report without your express authorization.
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Blocking of Fraudulent Information
If you identify information in your file that resulted from identity theft, you have the right to request that a consumer reporting agency block that information.
Contact Us or File a Complaint
To exercise any of these rights, contact Frontier Background Checks LLC directly. You may also file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).
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