The Fair Credit Reporting Act in Indiana
Indiana has enacted a law in 2012 (IC 16-27-2) that provides limits on the type on information that can be reported in a background check. An infraction or arrest that did not result in a conviction, an expunged record, or traffic citations may not be reported on a background check. However, as this law has been enacted in 2012, it is a nullity next to the Federal Fair Credit Reporting Act. While typically traffic citations do not get reported on background or credit reports, there are reports that would report this information – if a person was looking for a job as a driver. Under the FRCA, mere arrests that do NOT result in convictions may be reported for up to 7 years from the date of arrest.
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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.