What FCRA covers (and what we don’t).

The Fair Credit Reporting Act regulates consumer reports about individuals — credit history, criminal records, employment screening. It does not regulate verification of business entities. Groundcheck draws this line cleanly.

Entity reports are not FCRA-regulated

A Groundcheck report on a contractor entity (LLC, corporation, partnership, trust) pulls public-record data: secretary-of-state standing, license status, insurance lapses, lien filings, OFAC, and aggregated operational signals. This is business intelligence on a registered entity, not a consumer report on a person. The FCRA does not apply.

That’s why we can return entity standing in under 60 seconds without an adverse-action workflow, dispute window, or pre-employment disclosure.

Individual background checks pass through a licensed CRA

When the use case requires checks on a person (a driver applying to haul, an individual subcontractor named in your scope of work), we route those requests through Checkr — a licensed consumer reporting agency. Checkr is FCRA-compliant by design: written disclosure, signed authorization, adverse-action notices, and dispute resolution all happen inside their flow.

What this means for you

You can use Groundcheck entity reports for any business decision — vendor selection, PO approval, deposit risk — without legal exposure. For individual background checks, plan an extra 1–3 business days for the FCRA consent workflow.