Report Certification for End-user Purpose of Volunteer Screening
By ordering or receiving a Report from us for an End-user Purpose of Volunteer Screening , you certify the following:
a.The Report will be used only as a "consumer report" under the FCRA and only for screening current or prospective tenants of the end-user or its client whose property the end-user manages.
b.The Consumer has given the end-user written instructions to obtain a consumer report about the Consumer and the end-user will follow those instructions.
c.On our request within six years after the date of our Report, you will provide us a copy of the written instructions that the Consumer gave.
d.The end-user has determined that using a consumer report to screen volunteers is not using a consumer report for "employment purposes" under the FCRA.
e.You are not relying on our guidance about whether using a consumer report to screen volunteers is using a consumer report for "employment purposes" under the FCRA.
f.You will protect us from all third-party (including governmental) claims that, or based on the assertion that, using a Report to screen volunteers is using a consumer report for "employment purposes" under the FCRA.
g.The end-user will not use the Report for "employment purposes" under the FCRA, in connection with a current or prospective housing tenancy, in connection with the underwriting or extension of credit or insurance for personal, family, or household purposes, in connection with a governmental license or benefit for which the government instrumentality is required by law to consider financial responsibility or status, or in connection with a "firm offer of credit or insurance" under the FCRA or any other credit or insurance transaction not initiated by the Consumer.
h.The end-user will not use the Report in the course of any of the business listed in section 4.10 of our Terms of Service.
i.If Vermont's law applies to the Report and the Report includes a credit report, the end-user has obtained the Consumer's consent to obtain that credit Report and will use the Report only for the purpose to which the Consumer consented.
j.If the Report is an investigative consumer report under the FCRA, the end-user has given the Consumer (1) a clear and accurate disclosure that an investigative consumer report including information on the Consumer's character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, (2) a statement that that the Consumer has the right to obtain a complete and accurate disclosure of the scope and nature of the investigation performed; and (3) the Consumer Financial Protection Bureau's "A Summary of Your Rights under the Fair Credit Reporting Act" [see http://www.backgroundbiz.com/docs/Summary-of-Rights.pdf]. If the Consumer requests, the end-user will make a complete and accurate disclosure of the nature and scope of the investigation and deliver that disclosure to the Consumer within five days.
k.If the Report is an investigative consumer report governed by the New Jersey Fair Credit Reporting Act, the Consumer has given the end-user written permission to obtain an investigative consumer report.
l.If the Report is an investigative consumer report governed by the New York Fair Credit Reporting Act, the end-user has given the Consumer a written statement that, upon written request, the end-user will inform the Consumer whether it ordered an investigative consumer report and, if so, of the name and address of the consumer reporting agency that issued it. If the Consumer requests this information, the end-user will provide it in writing and will inform the Consumer in writing that the Consumer may inspect and receive a copy of the Report by contacting the consumer reporting agency.
m.The end-user has (or will have timely) made any additional disclosures, offered any additional information, and obtained any additional authorizations required by state law.
n.When the end-user takes adverse action based on information in the Report, the end-user will give the Consumer oral, electronic, or written notice: (1) of the adverse action being taken; (2) of the name, mailing address, toll-free telephone number, and website address of the consumer reporting agency that provided the information (which is us unless your Resale Intent is CRA Resale or Conduit Resale); (3) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the reasons why the adverse action was taken; (4) that the Consumer can obtain a free copy of a report on the Consumer by requesting one from the consumer reporting agency within 60 days; and (5) that the Consumer may dispute the accuracy or completeness of any information provided by the consumer reporting agency.
o.If you are ordering the Report for a Resale Intent of No Resale or Non-CRA Resale, the end-user will provide a copy of the report with the notice of adverse action.