OBTAINING YOUR FREE CREDIT AND BACKGROUND REPORT AND/OR
DISPUTING THE ACCURACY OF YOUR BACKGROUND REPORT

If you are a consumer that was the subject of a pre-employment background check by McCoy Investigations and
you would like to:

Obtain a free copy of your Credit Report in accordance with the FACT Act;
Order a free copy of your Background Report in accordance with the FACT Act; or
Dispute the Accuracy of a Background Screening Report generated by McCoy Investigations

Please continue reading the following information:


FACT ACT INFORMATION AND OBTAINING YOUR FREE CREDIT REPORT

The Fair and Accurate Credit Transaction Act (FACT Act) of 2003 that amended the Fair Credit Reporting Act (FCRA), provides the ability for consumers to obtain a free copy of his or her consumer file from certain consumer reporting agencies once during a 12 month period. The Fair Credit Reporting Act (FCRA) requires the three national credit bureaus (Equifax, Experian and Trans Union) provide a consumer with a free copy of his/her credit report, upon request, once in a twelve month period. Free credit reports are available under the FCRA at: www.annualcreditreport.com, the only authorized source under Federal law; or call 1-877-322-8228, or mail your request to Annual Credit Report, PO Box 105281, Atlanta 30348-5281. You will need to provide your full name, address, SSN, date of birth as well as instruct whether you would like your credit report from one, two or all three credit bureaus.


OBTAINING YOUR FREE BACKGROUND REPORT BY MCCOY INVESTIGATIONS

If you have previously had a background report run on you by McCoy Investigations you may request a free annual file disclosure pursuant to the Free Annual File Disclosure Rule, 16 C.F.R. Part 610, under the following circumstances:

Once in a twelve-month period. This is often referred to as a "Free Annual Disclosure," available from National Specialty Consumer Reporting Agencies.
Within 60 days of consumer receiving an adverse action notification.
Upon providing written certification that the consumer is unemployed and intends to apply for employment within 60 days.
Upon providing written certification that the consumer is a recipient of public welfare assistance.
Upon providing written certification that the consumer has reason to believe that the file on the consumer contains inaccurate information due to fraud.

The FCRA describes a "disclosure" as "all information in the consumer's file at the time of the request". Further, some state laws also entitle consumers to free disclosures and/or Background Report copies in other circumstances.
 
Regardless of whether any of the criteria listed above have been met, you may contact McCoy Investigations and request a Disclosure and/or a copy of the Consumer Report/Investigative Consumer Report (Background Screening Report) of which you are the subject that we have prepared at the request of one of our clients. This service is provided at no charge to you. Please note that proper identification will be required.
 
Please note that McCoy Investigations only prepares Background Screening Reports at the request of our client who must obtain authorization. Therefore unless you have previously authorized a prospective employer to obtain a Background Screening Report about you, McCoy Investigations will not have a file of which you are the subject. If you have not applied for employment with an employer that conducts pre-employment background reports, then you will not have a file with McCoy Investigations. Generally, a consumer will be informed of the name and identity of the background firm that was utilized by an employer on the Notice and Authorization form that an applicant must sign prior to a background report being requested. Please click on the appropriate link below:
 
I would like to request a free copy of my Background Report prepared by McCoy Investigations
 
I would like to dispute the Accuracy of my Background Check prepared by McCoy Investigations
 
Consumers may check the status of their request by contacting 1-800-274-6789


 
 
POST Certified in Background Investigations
License # PI-18621