FCRA questions

In the employment context, consumers have a right to all of the following except: Disclosures Authorization To know the price of the consumer report Adverse action procedures Reasonable procedures/an accurate report

To know the price of the consumer report

Which of the following is NOT considered a CRA under the FCRA? A. credit bureau B. skip tracer C. tenant screening company D. background screening company

B

An investigative consumer report A.) Consumer report prepared by a licensed private investigator B.) Includes info regarding a consumer obtained through telephone interviews with consumer's friends and associates C.) Can include a criminal history report if it also includes info about the consumer obtained through personal interviews with consumer's friends D.) B & C only

D.) B& C only

Under the FCRA, an employer must follow the adverse action procedures: A.) when firing an employee, but only if it has ten or more employees B.) when firing an employee and the decision to do so is based on a consumer report, but only if the employee is not being paid two weeks severance C.) anytime it fires an employee, regardless of whether the decision was based on a consumer report D.) when firing an employee and the decision to do so is based on a consumer report

D.) when firing an employee and the decision to do so is based on a consumer report

The Adverse Action procedures: A. Do not apply to foreign nationals who will be employed by US companies within the US B. Do not apply if the adverse action is trivial C. Apply only in the employment context D. All of the above E. None of the above

E.

Under the FCRA, resellers are not required to conduct traditional re investigations in the event they become aware of a consumer dispute, but must determined whether the alleged inaccuracy is their fault: True or False

False

Under the FCRA "consumers" Are individuals Are individuals and partnerships Can include corporate entities if the corporation has a single shareholder A & B

I'm going to sayyyyyy INDIVIDUALS???

When an employer makes a disclosure to a job applicant that will obtain consumer reports on job applicants The disclosure should be on a separate page, consisting of only the disclosure and authorization The disclosure should be on a separate page, consisting of only the disclosure and a release of liability The disclosure must contain an expiration clause that prohibits the employer from obtaining consumer reports more than 30 days after the job applicant has given authorization The disclosure does not have to comply with the FCRA if the job applicant lives outside US

The disclosure should be on a separate page, consisting of only the disclosure and authorization

If a private investigator obtains information about a job applicant solely by conducting telephone interviews with the applicant's friends, the resulting report is an investigative consumer report True or False

True

Under the FCRA, consumer reports cannot include arrest data that is older than 7 years True or False

True

A CRA can provide a consumer report in response to a subpoena True, because responding to a subpoena is a permissible purpose True, but only if the consumer who is the subject of the report gives his/her consent False True, but only if the subpoena is issued by a federal court

True, because responding to a subpoena is a permissible purpose ???

In fulfilling the obligation to conduct re investigations, CRAs: Must consider info provided by the consumer May terminate the re investigation if the dispute is frivolous Must issue a credit or refund to the end user Notify the FTC of the results A&B

A&B

When making a disclosure to a consumer, a CRA is NOT required to Release all info in their file Provide a summary of rights under the FCRA Provide the identity of each person who has obtained a copy of the report Email the disclosure of the consumer

Email the disclosure to the consumer

Because the FCRA is a federal statute enacted by the US Congress, lawsuits asserting claims under the FCRA can only be filed in federal courts True False It depends. If the state in which the suit is filed has its own version of the FCRA, then the suit can be filed in state court None of the above

False

Which of the following statements about investigative consumer reports is false: They can include interviews conducted by mail, telephone and email They do not include reports based on information gathered exclusively from the person who is the subject of the report They include reports consisting only of info obtained from a "drive by" of the consumer's residence They include interviews of the family members of the person who is the subject of the report

They include reports consisting only of info obtained from a "drive by" of the consumer's residence