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The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, dissemination, and use of consumer credit information. It is an important part of the personnel and human resources market, as it provides employers with the ability to access and use credit information when making hiring decisions. The FCRA also provides consumers with certain rights, such as the right to know when their credit information is being used, the right to dispute inaccurate information, and the right to obtain a free copy of their credit report.
The FCRA market is comprised of a variety of companies, including credit reporting agencies, employers, and consumer reporting agencies. Credit reporting agencies are responsible for collecting and maintaining consumer credit information, while employers use this information to make hiring decisions. Consumer reporting agencies provide employers with access to consumer credit information, as well as other types of consumer information. These companies are all subject to the regulations of the FCRA, and must adhere to its requirements in order to remain compliant.
Some companies in the FCRA market include Experian, Equifax, TransUnion, and LexisNexis Risk Solutions. Show Less Read more