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FCRA Permissible Purpose

Last Revised: March 20, 2026

1. Statement of Compliance

Proficiency Background Services (PBS) operates as a Consumer Reporting Agency (CRA) under the regulations of the Fair Credit Reporting Act (FCRA). We are legally bound to protect consumer data and ensure that consumer reports are only provided to entities that have a certified, legally recognized reason for requesting them.

2. Understanding Permissible Purpose

Under Section 604 of the FCRA (15 U.S.C. § 1681b), a CRA may only furnish a consumer report under specific circumstances. PBS strictly enforces these regulations. We will only release a background screening report to an end-user if they certify that the report will be used for one of the following permissible purposes:

  • Employment Purposes: For evaluating a consumer for employment, promotion, reassignment, or retention.
  • Written Instructions: In accordance with the written, authorized instructions of the consumer to whom the report relates.
  • Legitimate Business Need: In connection with a business transaction that is initiated by the consumer.
  • Occupational Licensing: To determine a consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status.

3. End-User Credentialing

PBS does not sell background check data to the general public. Before any organization is granted access to our screening platform, they must undergo a rigorous credentialing process.

  • We verify the legitimate identity and legal business standing of every client.
  • Every client must sign an End-User Agreement certifying they will only request reports for the specific permissible purpose declared.
  • Every client must certify they have obtained clear, conspicuous, and legally compliant written authorization from the consumer prior to requesting the report.

4. Consumer Rights & Disputes

If you believe a background check was run on you without a valid permissible purpose, or if you need to dispute the accuracy of a completed report, you have the right to challenge this information under the FCRA.

Please visit our Candidate Support Center to initiate a dispute, request a copy of your file, or review your rights under the Fair Credit Reporting Act.