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What is iReviewNow®?
iReviewNow is the only triple patented system that allows you to instantly see your background or consumer reports at the same time as the user, such as an employer or other users of the report. By using iReviewNow, you can be sure your report is accurate and complete because you will be able to dispute any inaccurate, misleading or confusing information instantly and securely online. If you have criminal or other negative history, iReviewNow gives employers its patented EEOC Individaulized Assessment Option. This optional section allows you to explain and add information to the report to demonstrate steps you have taken to improve yourself, called self-rehabilitation that can be powerful information to the employer or user. iReviewNow allows you to see your report even if you pass or have no negative history, so you will always know what is on your report. By signing up for iReviewNow, we send you text messages and emails when you have a new or updated report. You can also login using your secure user ID and password to view your reports. You may also add any information that you believe will help your employer or user of your report make an informed decision.
What is in my iReviewNow® Report?
In your initial report, you will see the consumer report or background check as provided by the background screening provider (also known as a consumer reporting agency.) You will have the opportunity to view the entire report and report any inaccuracies at the same time as the user, such as a prospective employer or credit grantor. You will be able to explain any adverse information or submit any additional documentation, which becomes part of your report. iReviewNow did not perform the background check or prepare the consumer report, as iReviewNow is the communication link allowing you the opportunity to view the report.
Why is my report found in iReviewNow®?
You consented to use iReviewNow when you signed an authorization for the report to be prepared by your employer, prospective employer, credit grantor, or other user of the report.
How does iReviewNow® benefit me?
iReviewNow is the only patented system that creates a fair, transparent, and accurate online system for you to be notified a report has been prepared and allow you to review it in real-time for accuracy. With iReviewNow, you can see your report as soon as it is completed. This way, you can alert the background screening provider or consumer reporting agency if anything is incorrect, instantly. This helps prevent the employer or end user of the report from making any decisions based on the report before it has been corrected. Since you always see your report, even when you pass, you gain peace of mind knowing that your report is accurate. If your report uncovers adverse information, iReviewNow lets you explain the full picture by providing important details that only you may know. You have the opportunity to explain past mistakes, criminal history, or anything else that might affect how your report is read. You can also explain what you have done since to rehabilitate yourself. With iReviewNow:
How do I send records to iReviewNow®?
Save your documents or records into Adobe PDF files or images (pictures) on your computer. Once you have your files ready, login to iReviewNow and upload your documents using our secure server. After you have uploaded your records, iReviewNow will not alter or change the records in any way. iReviewNow will transmit your documents to the background screening provider or consumer reporting agency and attach them to your iReviewNow Report.
What types of reports does iReviewNow® store?
We store consumer reports, such as credit checks and background reports. For more information on what consumer reports are, please refer to the Fair Credit Reporting Act’s guidelines at http://www.ftc.gov/os/statutes/fcradoc.pdf. iReviewNow reports often include individual or combined reports based on what you and the person or company using the report have authorized iReviewNow to contain. All reports stored on iReviewNow must be authorized by you. Here are the types of reports that may be found at iReviewNow:
What types of reports does iReviewNow® NOT store?
We do not store any “Exclusions” as defined by the Fair Credit Reporting Act. For more information about what reports are excluded, please see section 624 of the FCRA found here: http://www.ftc.gov/os/statutes/fcradoc.pdf
What if I see a report I did not authorize?
1) Complete the Abuse Report and Affidavit, which will make the User (your employer or other person who is running the background check or consumer report) prove they had permission to run your report. The results will be sent to you by email and available when you log in to review any updates to your iReviewNow information; or 2) Contact the User and file a complaint demanding they remove your information from iReviewNow. 3) If the User doesn’t prove you gave your permission store the report with iReviewNow, we will remove it from our records.
What if my report is not in iReviewNow?
Contact your employer, CRA, or background screening company and authorize them to become an iReviewNow user.
Can iReviewNow® remove or change my Reports?
iReviewNow is dedicated to delivering accurate reports. iReviewNow is not a background screening provider or consumer reporting agency, as it only stores your reports prepared by such providers and authorized by you to be transmitted to iReviewNow. Records like public or court records cannot be changed because iReviewNow only reports what these offices have on file about you. The information you give and your iReviewNow answers will be added to your iReviewNow report. This is so your employer or other user of the report can benefit from your explanations. This way they will know what information is wrong or incomplete. This can also give them your explanation for any negative information that was on your report. The FBI and courts (and other government offices) have steps you must take if you think their information is not complete or right.
What should I send in to explain or correct my report?
You may send in documents that help prove the information on your report is incorrect, such as court records, probation records, or identification documents. Though not required, any documents you have that provide proof of your dispute can speed reinvestigations. You may also attach documents that help explain things about you like your background or character. These documents can also help explain the steps you have taken to become a better employee, applicant, or candidate. Documents may include (but are not limited to) things like rehabilitation, education, or self improvement programs/efforts such as: 1. Certified Court Records 2. Probation, Parole, or Supervised Release Records 3. Diplomas or Certificates of Education 4. Letters from people telling about your character 5. Explanations of how you’ve accepted responsibility for mistakes or convictions 6. Explanations and documents of how you have improved or rehabilitated yourself. Do not send any files or records that you do not want released to your employer or other user of the report. Also do not transmit documents that might be protected by law because they will become part of your official iReviewNow Report. 7. Certificates from court programs showing you have completed classes for anger management, rehabilitation, or other programs. 8. DO NOT alter official records, as such may be a violation of several federal or state laws, such as the False Report Act.
Limitation of Liability when you do not use iReviewNow
Pursuant to the FCRA (http://www.ftc.gov/os/statutes/031224fcra.pdf): Limitation of liability. except as provided in sections 616 and 617 [§§ 1681n and 1681o] of this title, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section 609, 610, or 615 [§§ 1681g, 1681h, or 1681m] of this title or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report, except as to false information furnished with malice or willful intent to injure such consumer. You waive all liability claims allowed by law by using iReviewNow to view, dispute, or correct any information contained in your report, as iReviewNow is the patented alternative service that allows you an immediate means of addressing your disputes or claims. iReviewNow is the gateway for you to see your consumer report and is not responsible for the content of your consumer or background report.
Disputing Procedures when you do not use iReviewNow®
Though you agreed to use iReviewNow when you authorized the background or consumer report, the following rights are available to you if you decide to not use iReviewNow. Remember, iReviewNow is the only patented automated solution for you to expedite disputing inaccurate information in your report and assisting the User or providers of the information to reinvestigate and correct any errors, mistakes, or inaccuracies. You may also be under legal or contractual obligations to use iReviewNow based on your signed consent and demand to use iReviewNow. Go to www.ftc.gov for the latest information about your FCRA rights, along with various state and other agency rules, regulations, or laws. The following information is provided for informational purposes and is not intended as legal counsel, as it directly comes from the FCRA. § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a) Reinvestigations of Disputed Information (1) Reinvestigation Required (A) In general. Subject to subsection (f), if the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. (B) Extension of period to reinvestigate. Except as provided in subparagraph (C), the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. (C) Limitations on extension of period to reinvestigate. Subparagraph (B) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph (A), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information cannot be verified. (2) Prompt Notice of Dispute to Furnisher of Information (A) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph (1), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. (B) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subpara- graph (A) and before the end of the period referred to in paragraph (1)(A). (3) Determination That Dispute Is Frivolous or Irrelevant (A) In general. Notwithstanding paragraph (1), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. (B) Notice of determination. Upon making any determination in accordance with subparagraph (A) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. (C) Contents of notice. A notice under subparagraph (B) shall include (i) the reasons for the determination under subparagraph (A); and (ii) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. (4) Consideration of consumer information. In conducting any reinvestigation under paragraph (1) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph (1)(A) with respect to such disputed information. (5) Treatment of Inaccurate or Unverifiable Information (A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall– (i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. (B) Requirements Relating to Reinsertion of Previously Deleted Material (i) Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. (ii) Notice to consumer. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. (iii) Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion (I) a statement that the disputed information has been reinserted; (II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and (III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information. (C) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph (other than information that is reinserted in accordance with subparagraph (B)(i)). (D) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer's file to other such consumer reporting agencies. (6) Notice of Results of Reinvestigation (A) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. (B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A) (i) a statement that the reinvestigation is completed; (ii) a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation; (iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available; (iv) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the information; and (v) a notice that the consumer has the right to request under subsection (d) that the consumer reporting agency furnish notifications under that subsection. (7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description. (8) Expedited dispute resolution. If a dispute regarding an item of information in a consumer's file at a consumer reporting agency is resolved in accordance with paragraph (5)(A) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph (1)(A), then the agency shall not be required to comply with paragraphs (2), (6), and (7) with respect to that dispute if the agency (A) provides prompt notice of the deletion to the consumer by telephone; (B) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph (C), a statement of the consumer's right to request under subsection (d) that the agency furnish notifications under that subsection; and (C) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer's file after the deletion, not later than 5 business days after making the deletion. (b) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. (c) Notification of consumer dispute in subsequent consumer reports. Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer's statement or a clear and accurate codification or summary thereof. (d) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection (b) or (c) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. (e) Treatment of Complaints and Report to Congress (1) In general. The Commission shall-- (A) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603(p) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection (a); and (B) transmit each such complaint to each consumer reporting agency involved. (2) Exclusion. Complaints received or obtained by the Commission pursuant to its investigative authority under the Federal Trade Commission Act shall not be subject to paragraph (1).
iReviewNow, LLC (hereafter “iReviewNow”) provide the information on this website and in this section as a service to the public, consumers, subjects of background investigations, and licensed authorized users of iReviewNow. While the information on this site may deal with legal issues, it does not constitute legal advice. If you have specific questions related to information available on this site, you are encouraged to consult an attorney who can investigate the particular circumstances of your situation. Due to the rapidly changing nature of the law and our reliance on information provided by outside sources, iReviewNow, including its agents, users, and assigns, does not warranty or guarantee the accuracy or availability of the content on this site or on other sites to which we link. In no event will iReviewNow be held liable to any party for any damages arising in any way out of the availability, use, reliance on, or inability to use iReviewNow or its website, or any information provided by or through iReviewNow.com, or for any claim attributable to errors, omissions, or other inaccuracies in, or destructive properties of any information provided by or through iReviewNow.com. You must read and agree to all terms and conditions as set forth herein to use iReviewNow.com. Use of iReviewNow.com is your official acceptance of all terms, conditions, waivers, and release and hold harmless, which cannot be redacted or rescinded once you access the site, view your report, and/or take advantage of any benefit contained within iReviewNow.com. See the full terms and conditions for using iReviewNow.
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