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            "text": "OFFICE OF HUMAN RESOURCES\nACADEMIC SERVICES #241 | 400 EAST MAIN STREET\nFRANKFORT, KY 40601 | (502) 597-6667\nKYSU.EDU",
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            "text": "Summary of Your Rights Under the Fair Credit Reporting Act (FCRA)",
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            "text": "The Fair Credit Reporting Act (FCRA) is a federal law that gives you certain rights when an employer, school, or other organization requests a background check report about you."
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            "text": "Your Key Rights",
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                    "text": "You must be told if a background check will be used.",
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                    "text": "Before requesting a background report, an employer must notify you in writing and get your written permission."
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                    "text": "You must receive a copy of your rights.",
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                    "text": "This summary is provided so you understand what protections you have under the FCRA."
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                    "text": "You can say yes or no.",
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                    "text": "You must give written consent before an employer or organization can obtain your background check (with some exceptions for ongoing employment in certain industries)."
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                    "text": "You have the right to know what's in your file.",
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                    "text": "You may request a free copy of your background report from the company that prepared it."
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                    "text": "You must be notified if information in your report is used against you.",
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                    "text": "If an employer plans to deny you employment, volunteer service, or another opportunity based on your report, they must:"
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                    "text": "Give you a “pre-adverse action notice” with a copy of the report and a summary of your rights.",
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                    "text": "Give you time to dispute or correct inaccurate information before making a final decision.",
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                    "text": "You have the right to dispute inaccurate or incomplete information.",
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                    "text": "If you find errors, you can dispute them with the background check company. They must investigate and correct mistakes."
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                    "text": "You have the right to seek damages for violations.",
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            "text": "More Information",
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            "text": "For more details about your rights under the FCRA, visit the Federal Trade Commission (FTC) at: www.consumerfinance.gov/learnmore."
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            "text": "Revised: September 2025",
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