1. About these resources
These resources explain rights and responsibilities under the Fair Credit Reporting Act (FCRA) and selected state laws. PROFID provides required notices directly to consumers and clients during the screening, file-disclosure, and dispute processes. No federal or state law requires these notices to be published on a website; each one must be delivered to you at a specific moment, such as with your file disclosure, with a pre-adverse action notice, or by the employer before a report is ordered. This page helps you recognize a notice you have received and find the official text. It does not replace delivery, a required disclosure, or an authorization.
The employer orders the check after obtaining the required authorization and makes the employment decision. PROFID sends pre-adverse action and adverse action notices to candidates on the employer’s behalf. The employer remains responsible for the decision and its legal obligations; PROFID remains responsible for its own obligations as a consumer reporting agency.
2. A Summary of Your Rights Under the Fair Credit Reporting Act
This notice explains your rights to access your file, dispute inaccurate or incomplete information, receive notices when report information is used against you, and exercise other FCRA rights. It accompanies a file disclosure and is provided with a report before an employer takes adverse action based on that report. Read the official CFPB notice: Summary of consumer rights (Appendix K to Regulation V), PDF. Spanish version: Resumen de sus derechos, PDF.
3. Notice to Users of Consumer Reports
This notice is for employers and other users of consumer reports. It explains permissible purposes, certifications, employment disclosures and authorization, and duties before and after adverse action. PROFID provides this notice to clients who use its reports. Read the official text: Appendix N to Regulation V — Notice of User Responsibilities.
4. Notice to Furnishers of Information
This notice explains the responsibilities of people and organizations that furnish consumer information to a consumer reporting agency, including accuracy, updates, and investigation of disputes. PROFID provides the applicable notice to furnishers. Read the official text: Appendix M to Regulation V — Notice of Furnisher Responsibilities.
5. Remedying the Effects of Identity Theft
This notice explains remedies for identity theft, including dispute and blocking rights. It applies to PROFID when you contact us and tell us you believe you are a victim of fraud or identity theft. PROFID does not place fraud alerts or security freezes; to do that, contact the three nationwide credit bureaus directly. If you believe information in your PROFID file resulted from identity theft, dispute it with us at Dispute a Report and we will provide the identity theft rights summary. Read the official text: Appendix I to Regulation V — Summary of Consumer Identity Theft Rights. All CFPB model forms, including Spanish versions, are on the CFPB page Model forms and disclosures.
6. California
California ICRAA requires a separate disclosure and written authorization before a covered employment investigative consumer report is obtained, subject to statutory exceptions. The disclosure includes a summary of file-inspection rights and a way to elect a free report copy. An elected copy must be sent within three business days after the report is provided to the employer. For a permitted employment credit report, CCRAA requires a separate notice identifying the legal basis for using the credit report and a copy election; an elected copy is provided at the same time as the employer’s copy. If your PROFID file includes a California credit report, the written disclosure includes the summary of rights required by Civil Code §1785.15. For investigative consumer reports, you receive a written explanation of any coded information. Read our California Privacy Notice and the official ICRAA disclosure requirements, inspection rights, CCRAA file-disclosure rights, and employment credit-report notice requirements.
7. New York
New York requires notices for covered employment and investigative consumer reports. An investigative-report notice in connection with employment must include a copy of Correction Law Article 23-A, and when criminal conviction information is furnished for employment purposes, the requesting person must also provide Article 23-A. New York law prohibits an employer from requesting or using your consumer credit history for employment purposes unless a specific statutory exception applies. For jobs in New York City, the NYC Fair Chance Act also requires a conditional offer before a criminal background check and a written Fair Chance analysis before any withdrawal. Read General Business Law §380-b, §380-c, §380-g, and Correction Law Article 23-A.
8. Washington
Washington requires a written summary of state rights and remedies with each written file disclosure. A notice for a covered investigative consumer report must include the state summary and be provided no later than three days after the report is first requested. Separate employment-report requirements include notice and authorization rules and, before adverse action, information about the agency and the opportunity to respond. Employment credit reports are restricted. Read RCW Chapter 19.182.
9. Massachusetts
Massachusetts requires a state rights notice with covered consumer-file disclosures and advance written notice for employment reports. A Massachusetts adverse action notice must be in writing, in at least ten-point type, and must include the name, address, and toll-free telephone number of the consumer reporting agency and a statement of your rights in the form prescribed by statute. The state adverse action notice is due within ten business days of the action; it does not replace the federal pre-adverse action process. Read General Laws Chapter 93, §56, §60, and §62.
10. Minnesota
Before obtaining a covered employment report, the employer must provide a written disclosure with a checkbox for a free copy. If you select it, the consumer reporting agency must provide your copy within 24 hours after providing the report to the employer, together with information about your right to dispute and correct errors. On written request, we also disclose the nature and scope of the report within five days. Read Minnesota Statutes §13C.02.
11. Oklahoma
Before requesting an employment report, the employer must provide written notice containing a checkbox for a free copy. If you request a copy, the employer must request your copy when it orders its own report. The copy is free. Read Oklahoma Statutes, Title 24, §148.
12. Vermont
Vermont requires the prescribed “NOTICE TO VERMONT CONSUMERS” with covered written file disclosures and generally requires consent to obtain a credit report, subject to statutory exceptions. Vermont law also provides access to scores or predictors relating to you and to request history. Employment use of credit history is restricted. Read 9 V.S.A. §2480b, §2480e, and 21 V.S.A. §495i.
13. Maine
Maine residents may obtain a free copy of their PROFID file once in any 12-month period. If you dispute an item directly with PROFID, Maine law requires us to reinvestigate and record the current status within 21 calendar days. Read 10 M.R.S. §1310-H.
14. New Jersey
New Jersey residents may obtain a free copy of their file once in any 12-month period, and within 60 days after an adverse action notice. Before obtaining an employment report, the employer must give you a clear and conspicuous written disclosure in a stand-alone document, obtain your written authorization, and, before taking adverse action, give you a copy of the report and a written description of your rights. Read the New Jersey Fair Credit Reporting Act, P.L.1997, c.172 (N.J.S.A. 56:11-28 to 56:11-41).
15. Get help with your file or a notice
State and local requirements depend on the report, the job, and the locations involved. This list is a resource, not a complete list of every applicable state or local requirement. Contact support@theprofid.com or call +1 313 327 3970 for help obtaining a notice or an accessible copy. To see your file, visit Request Your File. To correct information, visit Dispute a Report.