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I see nothing in there having to do with criminal charges. Only credit and financial records. Am I missing something?

Yes the FCRA regulates consumer reports and background checks are consumer reports even if they are not mentioned in the text. https://www.consumer.ftc.gov/articles/0157-employment-backgr... Please speak to a lawyer before making false statements.

Actually it appears we are both right.

Companies such as yours are prohibited from disclosing it because you are classified as "consumer reporting agency" however the disclosure of criminal records by non-consumer reporting agencies is not limited to 7 years.

No you are not. FCRA has nothing at all do to with criminal records and what is disclosed by the courts for a criminal background check which is often for life.

I know people that are in their mid 40's that are still denied employment because of drug possession charges then incurred in their teens.

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