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Based in Deerfield, Illinois, InfoTrack provides background screening reports to hundreds of employers nationwide about prospective and current employees. failing to maintain reasonable procedures to assure the maximum possible accuracy of the reports and.failing to maintain reasonable procedures to limit the furnishing of reports to people with permissible purposes.furnishing consumer reports to anyone who does not have an FCRA-defined permissible purpose.The court order against Instant Checkmate prohibits the company from violating the FCRA by:
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The complaint alleges that Instant Checkmate violated the FCRA by failing to maintain reasonable procedures to ensure that those using its reports had permissible purposes for accessing them furnishing reports to users that it did not have reason to believe had permissible purposes to access them failing to follow reasonable procedures to assure that its reports were as accurate as possible and failing to provide FCRA-mandated “User Notices” outlining several important consumer protections. For example, the website enticed landlords to “check out tenants before they rent” and advertised that the website’s background checks “are especially useful when employers are seeking candidates that require high security or a position of trust.”Īccording to the FTC, by providing background reports that it expected would be used for the purpose of determining eligibility for housing and employment, Instant Checkmate qualifies as a “consumer reporting agency” and is subject to the FCRA. On its website and in online ads, Instant Checkmate marketed its service to landlords and employers. Instant Checkmate, Inc., headquartered in San Diego, California, runs, a website that allows users to search public records for information about anyone, including a person’s current and previous address, arrest and conviction records, and birth, marriage and divorce records. All but $60,000 of the penalty imposed on InfoTrack and its owner are suspended, based on their inability to pay.
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The court orders impose a fine of $525,000 against Instant Checkmate and $1 million against InfoTrack and its owner. “Data brokers that operate as consumer reporting agencies have a responsibility to ensure the accuracy of the information they sell for decisions about whether to hire someone, extend them credit, rent them an apartment, or insure them.” “Consumers shouldn’t have to worry that they’ll be turned down for a job or an apartment because of false information in a consumer report,” said Jessica Rich, Director of the FTC’s Bureau of Consumer Protection. According to the complaint against Instant Checkmate, that company failed to require that users of its reports identify themselves or certify the purpose for which they were seeking consumers’ information. The FTC charged, among other things, that in many instances InfoTrack provided inaccurate information suggesting that job applicants potentially were registered sex offenders, possibly causing employers to reject their job application. According to the FTC’s complaints, both companies operated as consumer reporting agencies under the law but failed to abide by the FCRA. Instant Checkmate and InfoTrack sell public record information about consumers. In separate cases, the two companies – Instant Checkmate, Inc., and InfoTrack Information Services – have agreed to pay civil penalties and will be prohibited from continuing their alleged illegal practices. Two data brokers have agreed to settle Federal Trade Commission charges that they violated the Fair Credit Reporting Act (FCRA) by providing reports about consumers to users such as prospective employers and landlords without taking reasonable steps to make sure that they were accurate, or without making sure their users had a permissible reason to have them.
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