Version 1.0 · Effective November 11, 2026 · authenticate.com/fcra-notices · Prior versions
Part of the Authenticate Customer Agreement between Authenticating.com LLC and its customer (Customer Agreement, Sections 1.2, 4.5 and 4.10). Prior versions are archived on this page.
Authenticating.com LLC, doing business as Authenticate, is a consumer reporting agency for the services it classifies as Regulated Services. Federal law requires us to give every customer who receives consumer reports the notices below. Please read them, share the Notice to Users with everyone at your company who orders reports, and keep a copy.
1. Notice to Users of Consumer Reports: Obligations of Users Under the FCRA
The Consumer Financial Protection Bureau's notice explaining what the law requires of anyone who uses a consumer report.
2. A Summary of Your Rights Under the Fair Credit Reporting Act
Give this to an individual when the law or your Customer Agreement requires it, including before you take adverse action against an independent contractor or platform participant (Customer Agreement, Section 4.5(a)).
3. Summary of Consumer Identity Theft Rights (Remedying the Effects of Identity Theft)
The Consumer Financial Protection Bureau's summary of rights for people who believe they are victims of identity theft.
4. Disclosure and Authorization for a Consumer Report
Customers who screen independent contractors, hosts, drivers, vendors or other non-employee participants must get the individual's written authorization before ordering a Regulated Service (Customer Agreement, Section 4.5(a)). You may use the form below. Present it on its own, with nothing else on the same page or screen.
The FCRA does not require a signed authorization when you obtain a report in connection with a credit transaction, account review or insurance underwriting that the individual applied for or initiated (15 U.S.C. § 1681b(a)(3)(A), (C)). Vermont requires the individual's consent (9 V.S.A. § 2480e); you may use the form below for that purpose, selecting the credit or insurance purpose line. Before you request a report for these purposes you must complete the additional verification in Section 2.2 of the Customer Agreement. If you take adverse action, your notice must meet Section 4.6 of the Customer Agreement, including the credit score disclosure where a score was used, and may be combined with the notice the Equal Credit Opportunity Act requires. Identity verification results may not be used as a factor in the decision.
Anyone who wants a copy of their file, or who believes information we reported is wrong, can contact us at disputes@authenticating.com or authenticate.com/consumer-rights, by mail at Authenticating.com LLC, 1743 Sidewinder Dr, #109, Park City, UT 84060, or by phone at (833) 283-7439.
[Customer: present this form on its own. Do not add terms, waivers, releases or any other content to this page or screen. Keep only the purpose line that applies.]
Disclosure
[COMPANY NAME] ("we") may obtain a consumer report about you from Authenticating.com LLC, doing business as Authenticate, a consumer reporting agency, [in connection with your application to provide services to us or through our platform as an independent contractor, host, driver, vendor or other participant] [in connection with your application for, or our review of, your [credit account / loan / insurance policy] with us]. The report may include criminal and court records, sex offender registry records, watchlist records, driving records, [credit history and credit scores,] and verification of the education, employment history and professional licenses you have told us about. We may also obtain updated reports while you are a participant or your account remains open, if you agreed to ongoing monitoring below.
You can contact Authenticate at Authenticating.com LLC, 1743 Sidewinder Dr, #109, Park City, UT 84060, (833) 283-7439, disputes@authenticating.com, or authenticate.com/consumer-rights.
Authorization
By signing below, I authorize [COMPANY NAME] to obtain a consumer report about me from Authenticating.com LLC for the purpose described above.
☐ I also authorize ongoing monitoring for new records while I am a participant or my account remains open. (Optional — only if the company uses True Continuous Monitoring™.)
Full name: _______________________________________
Signature: _______________________________________ Date: _______________
This is the first published version of this document. When it is updated, prior versions will be archived here.