The Fair and Accurate Credit Transactions Act of 2003 (FACT Act or FACTA) is a federal law passed by the United States Congress that amends the Fair Credit Reporting Act (FCRA)
- Employment Screening Resources (ESR) is NOT a Nationwide Consumer Reporting Agency nor a Nationwide Specialty Consumer Reporting Agency as defined in (FCRA), as ESR does not compile and maintain consumer files on a nationwide basis. This term generally refers to firms such as Equifax, Experian, and TransUnion who compile and maintain credit information.
- ESR will only have a file in your name where you have applied with one of ESR’s client’s that ordered an employment purpose background check in your name from us.
- If the report was not ordered from ESR, the Consent and Disclosure forms that an applicant must sign prior to a background report being requested should provide you with the name of the background screening firm used by the employer to prepare the report.
- ESR does not re-use or re-sell any information that is obtained by ESR for use in a background report. Each background report is “one-time” use document prepared for a specific employer.