Can a bank run a credit report on an applicant who left the background check permission blank on their application?

The correct answer indicates that without written permission, a bank cannot pull an applicant's credit report, even if the applicant submitted a job application. This aligns with the provisions outlined in the Fair Credit Reporting Act (FCRA), which mandates that consumer reporting agencies provide a credit report only when the consumer gives their consent. This consent must be explicit and in writing for the bank to legally obtain the credit report.

The FCRA establishes the necessity for transparency and consumer rights regarding their personal information. If an applicant leaves the background check permission blank, it signifies a lack of authorization for the bank to access their credit information. Therefore, the bank is prohibited from proceeding with the background check, reinforcing the principle that individuals have control over their personal data.

Other options may imply incorrect assumptions about consumer rights or permissions related to credit checks. For instance, the notion that checking a box regarding felony convictions influences the ability to access credit reports detracts from the fundamental requirement of explicit consent, which is essential for compliance with the FCRA.