The FCRA also requires that end users certify that the consumer report is being obtained for one of the permissible purposes and that the report will not be used for any other purpose. There are also requirements regarding the notification of a consumers rights in the case any type of an "adverse action" is taken against the consumer. Adverse action is broadly defined as having a negative impact on an individuals ability to obtain credit or employment. Additionally, the FCRA outlines the process through which the consumer can dispute the information in a consumer report and their remedies in the case of wrongly reported information. The information above is displayed only as a summary of some of the requirements of the FCRA. This should not be construed as a legal opinion or legal advice. To receive more information on the FCRA, contact the Federal Trade Commission's web site at www.FTC.gov.