FCRA Compliance

The Fair Credit Reporting Act (FCRA) is a federal law that governs how consumer reports — including background checks — are obtained and used. ACE Background Check operates as a consumer reporting agency (CRA) and is committed to supporting our clients' compliance and protecting consumers' rights.

What the FCRA Requires

The FCRA sets rules for accuracy, fairness, and privacy of information in consumer reports. It defines obligations for CRAs like ACE and for the employers, landlords, and other "end users" who request reports.

Permissible Purpose

Consumer reports may only be obtained for a purpose permitted by the FCRA — most commonly employment screening or tenant screening with the individual's authorization. Clients must certify their permissible purpose before ACE furnishes any report.

Employer Responsibilities

• Disclosure & authorization — provide a clear, standalone written disclosure and obtain the applicant's written consent before ordering a report.
• Pre-adverse action — before taking adverse action based on a report, give the individual a copy of the report and the summary of their rights.
• Adverse action — if proceeding, provide an adverse-action notice with the CRA's contact details and information about the individual's right to dispute.

Consumer Rights

• The right to know what is in your file and to receive a copy of your report.
• The right to dispute incomplete or inaccurate information.
• The right to have inaccurate or unverifiable information corrected or deleted.
• The right to be told if information in your file has been used against you.

Disputes & Accuracy

ACE follows reasonable procedures to assure maximum possible accuracy. If you believe information in a report about you is inaccurate, you may file a dispute and we will investigate, typically within the timeframes required by the FCRA. Contact us using the details below to begin a dispute.

Our Commitments

• Furnish reports only to clients with a certified permissible purpose.
• Maintain reasonable procedures for accuracy and data security.
• Adhere to the ethical standards of the PBSA and PRRN.
• Support consumers' rights to access and dispute report information.

Contact & Disputes

To request a copy of your report or file a dispute, contact disputes@acebackgroundcheck.com or use our contact form. [INSERT mailing address & phone]