Credit Report Problems

Credit Report Problems

The Fair Credit Reporting Act in Georgia

Georgia has enacted some laws that protect consumers and the information being reported about them to potential employers and creditors.  As it pertains to personal background information, GA code 35-3-34(3)(b) provides that when an employment decision is made based upon background report, the business must inform the person of all information pertaining to that decision – including where the record was obtained, what was in the record, and the effect the record had on decision.  The Federal Fair Credit Reporting Act provides this same protection.

Also, the Georgia Fair Business Practices Act (Part 2 of Article 15 of Chapter 1 of Title 10 ) provides that a consumer reporting agency which furnishes a consumer report for employment purposes and which for that purpose compiles and reports items of information on consumers which are matters of public record and are likely to have an adverse effect upon a consumer’s ability to obtain employment shall: (1) At the time such public record information is reported to the user of such consumer report, notify the consumer of the fact that public record information is being reported by the consumer reporting agency, together with the name and address of the person to whom such information is being reported; or (2) Maintain strict procedures designed to ensure that whenever public record information which is likely to have an adverse effect on a consumer’s ability to obtain employment is reported it is complete and up to date.

Contact SmithMarco, P.C., Today

If you have an error or inaccurate information on your credit report, there are actions that you can take. Contact SmithMarco, P.C., today for a completely free case review.