A Summary of Your Rights Under the Provisions of California Civil Code Section 1786.22

The Investigative Consumer Reporting Agencies Act (ICRAA) is designed to promote accuracy, fairness, and privacy of information in the files of every “investigative consumer reporting agency.” The ICRAA gives you specific rights, including those outlined below. You may have additional rights under federal law.

California Civil Code section 1786.10 requires an investigative consumer reporting agency to allow a consumer to visually inspect all files maintained regarding the consumer at the time of the request. Certain information regarding the sources of information used for a report is excluded.

Under California Civil Code section 1786.22, an investigative consumer reporting agency shall supply files and information about you, the consumer, during normal business hours and on reasonable notice.

The investigative consumer reporting agency will make files maintained on you available for visual inspection in the following ways:

  • In person, if you appear in person and furnish proper identification. A copy of the file will also be available to you for a fee not to exceed the actual cost of copying.

  • By certified mail, if you make a written request, with proper identification, for copies to be sent to a specified address. However, agencies complying with a request for such a mailing will not be liable for disclosures to third parties caused by mishandling of mail after it leaves the agency.

  • By telephone. A summary of all information contained in your file and required to be provided to you under Section 1786.10 will be provided by telephone, if you have made a written request, with proper identification for telephone disclosure, and the toll charge, if any, for the telephone call is prepaid by or charged directly to you.

 

The term “proper identification” means information generally deemed sufficient to identify a person. This includes documents such as a valid driver’s license, social security account number, military identification card, and credit cards. Only if you are unable to reasonably identify yourself with the information described above, may an investigative consumer reporting agency require additional information concerning your employment and personal or family history in order to verify your identity.

The investigative consumer reporting agency shall also provide trained personnel to explain any information provided to you.

The investigative consumer reporting agency shall provide a written explanation of any coded information contained in files maintained on you. This written explanation shall be distributed whenever a file is provided to you for visual inspection as required under Section 1786.22.

You will be permitted to be accompanied by one other person of your choosing, who shall furnish reasonable identification. The investigative consumer reporting agency may require you to furnish a written statement granting permission to the agency to discuss your file in such person’s presence. 

 

Please enable JavaScript in your browser to complete this form.

Let’s Get Your Free Demo Ready

One of our team members will reach out to guide you through the platform.

Please enable JavaScript in your browser to complete this form.

A Must-Read for Hospitality Hiring Teams

Learn how leading resorts, QSRs, and boutique hotels reduce screening friction, improve accuracy, and maintain trust across locations.

Please enable JavaScript in your browser to complete this form.

Boost Your Gig & Marketplace Hiring Game

Learn how top labor platforms reduce churn, onboard faster, and eliminate hiring bias in a competitive gig market.

Please enable JavaScript in your browser to complete this form.

Your Roadmap to Driver Retention

Get expert tactics for reducing churn, improving safety, and optimizing onboarding with real industry data and compliance tips.

Please enable JavaScript in your browser to complete this form.

Stay Ahead of Staffing Risks

Discover how to tackle identity fraud, economic shifts, background check delays, and changing worker expectations with actionable, expert-backed strategies.

Please enable JavaScript in your browser to complete this form.

Retailers Using AI See 2.5x Higher Profitability

Get the full breakdown on how AI improves job descriptions, reduces candidate drop-off, and speeds up hiring, all backed by industry stats.

Please enable JavaScript in your browser to complete this form.

Enhance Patient Safety With Smarter Screening

Discover how continuous license checks, drug testing, and real-time alerts can prevent avoidable errors and boost care quality. See the 5 key tactics that work.

Please enable JavaScript in your browser to complete this form.

Free Consultation, No Strings

Fill in your info and we’ll reach out shortly.

Please enable JavaScript in your browser to complete this form.

Want a Closer Look for Free?

We’ll set up a short demo tailored to what you actually want to see.

Please enable JavaScript in your browser to complete this form.

Let’s Tailor a Quote for You

Tell us what you need and we’ll make it work.

Please enable JavaScript in your browser to complete this form.

Your Plan, Explained Simply

We’ll match you with someone who can walk you through it all.

Please enable JavaScript in your browser to complete this form.

Your Plan, Explained Simply

We’ll match you with someone who can walk you through it all.

Please enable JavaScript in your browser to complete this form.

Your Plan, Explained Simply

We’ll match you with someone who can walk you through it all.

Please enable JavaScript in your browser to complete this form.

Your Plan, Explained Simply

We’ll match you with someone who can walk you through it all.