Whats a consumer report under FCRA?
In the case before the Tenth Circuit, the Owner-Operator Independent Drivers Associationclaimed that a consumer reporting company, USISCommercial Services, violated the FCRA by failing to comply with the notice and authorization requirement when it obtained information from employers about former employees’ job performance. The drivers also contended that USIS’ reports were inaccurate, and it failed to follow reasonable procedures to ensure the maximum possible reporting accuracy as required by the FCRA. USIS gathers employment information, including termination information, on truck drivers from their former employers and then compiles the information into employment history reports that it sells to subscribing motor carriers. The companies that provide information to USIS complete a form that includes information on the former employee’s reason for leaving, the quality of his work, and whether he is eligible for rehire. The information is compiled into a report that’s sold to potenti
