Evident's FCRA Adjudication Process
Evident's identity assurance platform provides customers with a toolset that simplifies FCRA for end-users of consumer reporting, including:
- Capabilities around disclosure
- Authorization
- Notification
- Tracking
- Audit
- Adverse action dispute process
Disclosure & Authorization
Receive explicit acknowledgment that the consumer has received the disclosure, and obtain the applicant's consent to a background check. This happens before a user submits any information to Evident for verification.
Pre-Adverse Notification
A violation of a customer's defined criminal policy will result in initiating a pre-adverse notification email to the applicant in order to determine if additional information should be considered for applicability of the violation to the trust and safety policy. If you decide to customize this, the language should be crafted to request additional information that should be considered to help address your individualized assessment needs.
Dispute
Any additional details provided by the applicant to Evident that suggest inaccuracies in the report will trigger a reinvestigation and an update where necessary of the consumer's report.
Adverse Action & Dispute
If no additional details are provided by the applicant after seven (7) business days from the date of the pre-adverse notification, an adverse action email is initiated. The applicant may contact Evident to dispute any information contained in the background report.