This agreement by and between C.A. Harrison
Enterprises, Inc. d/b/a BackgroundsUSA and
the individuals and/or companies utilizing
our services (User), and shall consist of
the following understandings and conditions:
User agrees to:
Read and maintain on file a copy of the
Fair Credit Reporting Act (FCRA)
Chapter Nine of the Technical Assistance
Manual (Title 1) for the
Americans with Disabilities Act (ADA).
Note: The links will take you to a
PDF copy of these texts.
Accept responsibility for using
information provided by BackgroundsUSA
(Consumer Reports) in accordance with
the Fair Credit Reporting Act, Public
Law 91-508 and American with
Disabilities Act of 1990.
Be aware that some states have stricter
“Human Rights” and ADA based statutes in
force for employers. Compliance with
these laws is the responsibility of the
Obtain proper release and authorization
from each applicant.
Recognize that information is obtained
and managed by fallible sources, and
that for the fee charged, BackgroundsUSA
cannot guarantee or insure the accuracy
or depth of the information provided.
Assume responsibility for the final
verification of the applicant’s
Accept the fact that BackgroundsUSA
employees are not allowed to render any
opinions regarding information contained
in a consumer report. Hiring decisions
or any actions must be based on User
policies and procedures.
Give the applicant the BackgroundsUSA
1-800- telephone number and address if
information provided in a consumer
report is responsible for suspension or
termination of the application process.
Use Identity Verification and Credit
Reports for employment, skip tracing or
tenant screening purposes only.
Accept and agree that the information
provided to you by BackgroundsUSA cannot
and will not be resold you.
Request a consumer report for employment
purposes, only after providing written
documentation to applicant informing
them that a consumer report may be
obtained for employment purposes and
after applicant has authorized in
writing the procurement of such report.
Only take adverse action due to
information obtained in the consumer
report, after providing to the consumer:
a copy of the consumer report, a copy of
the Summary of Consumer Rights in the
format approved by the FTC, notification
of adverse action in written, oral or
electronic form including
BackgroundsUSA’s name, address and phone
number, a statement indicating that
BackgroundsUSA’s did not make the
decision to take adverse action, and
notification to the consumer of their
right to obtain a free copy of the
report within 60 days of adverse action
and to dispute the accuracy or
completeness of the report.
Recognize the sensitive nature of
information provided, hold such
information in strict confidence, and
only use such information for purposes
outlined in the disclosure.
Understand that any person who knowingly
and willfully obtains a consumer report
under false pretenses may face criminal
prosecution (Section 619).
Pay for services based on a statement
provided. Terms are NET 30 days.
Accounts in arrears will assume a
finance charge of two percent (2%) per
month plus a $15.00 late charge fee per
incident. If an account goes to
collection, User agrees to pay all
expenses including legal fees.
Be aware that if an account remains
inactive for twelve consecutive months,
it will be closed.
Acknowledge that a facsimile of this
agreement is as valid as an original.
Use our information for their own uses
only and will not resell this
information to any third parties.
BackgroundsUSA agrees to:
Comply with all applicable laws in the
preparation and transmission of reports
as defined in 15 USC-1681 et sec.
regulated by the Federal Trade
Follow reasonable quality assurance
procedures to assure maximum possible
accuracy of information.
Re-verify at no cost when a User makes
the request by telephone or the subject
makes the request in writing. Our
responses shall be made in writing and
delivered in a timely manner.
Maintain consumer report information and
transaction details for a minimum of two
years. During an inquiry, the subject
of the report has the right to learn the
name of the User ordering information
and has the right to be informed of the
substance of the report ordered by the
User when a written request is made to
Provide consumer information in
compliance with the Fair Credit
Maintain confidentiality of its data
acquisition and verification methodology
BackgroundsUSA asks you to please note:
Our reports are designed to give you
more information so that you can make
informed decisions. They are not
intended to replace legal advice.
Depending upon your business and federal
and state laws, other issues should be
BackgroundsUSA is a “Consumer Reporting
Agency” under the definition of the FCRA.
The information provided to User under
this agreement is a “Consumer Report”
under the definition of the FCRA.
This agreement shall be governed by and
construed in accordance with the laws of
Colorado. Any disputes under this
agreement shall be determined by the
courts of Denver, Colorado.
BackgroundsUSA may, at its sole
discretion, terminate service to any
user at any time without prior notice.
Questions or concerns about BACKGROUNDSUSA's
user agreements may be submitted to