You know how important maintaining a good credit report can be. If you want to purchase just about anything, using credit, your report will be checked prior to approval and, if anything is amiss, your purchase may be denied. A DAC Report is very similar. If you're applying for a truck driving job there's a high likelihood the prospective company will be doing an employment background check. HireRight, the company that now owns DAC Services, is certainly not the only provider of pre-employment background checks to the transportation industry but they're definitely the most prominent and you should be aware of their methods of operation.
Who (or What) is DAC Services?
DAC Services has, over the last few years, undergone changes in both ownership and name. DAC Services was acquired, some time back, by USIS (US Investigations Services). USIS then spun it off to its current home at HireRight. Both USIS and HireRight are subsidiaries of Altegrity which was formed in July 2009 as a holding company for USIS, HireRight, and Explore. Although DAC Services is now known as DAC Trucking Solutions, and operated by HireRight, DAC, still, is a Consumer Reporting Agency (CRA) located in Tulsa, OK that supplies reports about prospective drivers to it's subscribers.
According to the old DAC / USIS web site they "...continually assess industry needs and ensure that (their) product and service offerings meet compliance requirements and address issues such as negligent hiring, cargo theft and personnel security."
The new HireRight web site lets prospective subscribers know that a trucking company enlisting the services of DAC Trucking Solutions gets "...our expertise and unique solutions for the trucking market (that) have made HireRight DAC Trucking Solutions one of the most widely used offerings in the transportation market. When you select us for your screening and compliance needs, you join more than 20,000 other transportation companies in working with the background screening provider endorsed by the American Trucking Association (ATA) and a host of regional associations across the U.S."
An old DAC press release describes the report categories as follows: "In addition to transportation-specific services, DAC provides criminal records, motor vehicle records, social security number verifications, credit reports, drug/alcohol test histories and workers' compensation and injury reports." The new HireRight DAC Trucking Solutions has expanded on that list but the most important report, the report most requested by subscribers, is the DAC Employment History File which will include information such as number of accidents, reason for quitting or being terminated, rehire eligibility, type of driving, trailer types pulled, commodities hauled, etc.
What DAC / HireRight Does
DAC Trucking Solutions assembles reports with information obtained from various sources including, but not limited to, a driver's previous employers. One thing to keep in mind is that the more often you change employers, the higher the likelihood that misinformation may end up on your report. Human error can occur at DAC, just like at any other credit reporting agency, and employers may not always provide objective interpretations of events. DAC is not required to verify the information supplied by employers unless or until a report is disputed by the driver.
How HireRight DAC Trucking Solutions Affects You
You can run but you can't hide! As a matter of fact hiding from, or ignoring, your DAC report can be one of the most damaging things you can do to your career. One insurance company report indicates that over 85% of the 200 largest carriers utilize DAC reports in their hiring decisions. Another report places the total number of carriers subscribing to DAC Services at more than 6000. Chances are good your name is in their database and chances are equally good that a prospective employer will be requesting a DAC report before any other pre-employment action. Another thing to consider is the possibility that, beside potential employers, potential creditors may have access to your DAC information. One thing mortgage lenders and other credit providers look for are indications of responsibility and stability or a lack thereof. Just like credit reports, you absolutely, positively, must know what is on your record. It's true that you're not the one responsible for providing information to DAC and you're not the one responsible for compiling the information into a report but you are responsible for maintaining the accuracy of your report. The only person that can or will effect a positive change in negative information is you.
Another good reason to be concerned about the information included in your DAC Report is the simple fact that HireRight/DAC Services is not widely regarded for the accuracy of the information included in their reports. In 2012 HireRight paid "$2.6 million to settle Federal Trade Commission charges that it violated the Fair Credit Reporting Act by failing to use reasonable procedures to assure the maximum possible accuracy of information it provided, failing to give consumers copies of their reports, and failing to reinvestigate consumer disputes, as required by law."
Carriers must have your written authorization before they check your record with any third party information provider; like DAC services. This means you should always pay attention to the paperwork you sign when applying for employment. If they're going to check with DAC, or any other Consumer Reporting Agency for that matter, you should be aware of the information that the prospective employer is going to find out about you. As a Consumer Reporting Agency, DAC is regulated by the Fair Credit Reporting Act. The FCRA is designed to protect your rights whenever you apply for a job or credit. A few of your rights regarding DAC reports include:
- The right to know who has seen your DAC report in the previous two years.
- The right to obtain a copy of your DAC report at any time. In some cases (such as denial of employment due to DAC information) the report may be obtained free of charge.
- The right to dispute any item on the report.
Additionally, carriers are required to notify you of your right to review the information obtained from your previous employers. This provision applies regardless of whether or not this information is obtained directly or through a third party provider; like DAC Services. They're further required to inform you of your right to correct errors in that information; or to file rebuttal statements regarding verified, but potentially misleading, information.
How do you get a copy of your report? You can submit a request for your HireRight DAC Trucking Solutions report online or, if you'd prefer, you can request a copy of your DAC report by phone, fax or mail. The phone number is (800) 381-0645 (Monday -Friday, 7am to 7pm Central Time), the fax number is (918) 664-5520 and the address for HireRight/DAC is: HireRight, Attn: Consumers Department, 14002 E. 21st Street, Suite 1200, Tulsa, OK 74134
By fax or mail you'll want to include a copy of your driver's license and social security card. Once you receive the report, check it carefully for errors and negative entries. Chances are good that the information will be correct and positive but if it isn't, it's time to get hopping.
DAC Services must also comply with the FACT Act; the Fair and Accurate Credit Transactions Act. Upon written request to USIS/DAC (or any similar reporting agency), under the provisions of FACTA, a driver's entitled to receive a free copy of their DAC report once every twelve months. Additional copies may be provided within the subsequent twelve month period; subject to a $9.50 charge. Other circumstances, such as being denied employment, may entitle a driver to additional free copies of their file information. For more information regarding the the FACT Act you can refer to Facts on FACTA.
Fix Your DAC Report: Dealing With Incorrect or Negative Information
If an entry is incorrect, begin by contacting the employer that provided the information you believe to be incorrect. Chances are good they'll be willing to correct it immediately; especially if you left their employ on good terms. If not you'll need to contact DAC Services and formally dispute it. Normally, DAC will provide a dispute form with your report copy. If they didn't you can contact them and request one or write a letter stating your reason for disputing the information.
When writting your dispute letter; be calm, courteous and professional. To be successful you must be specific and stick strictly to the facts in dispute. A copy will be forwarded to the company along with any other supporting documents you may have included (and, if at all possible, DO include supporting documents). If the previous employer can't verify the disputed item or items in question as being legitimate and correct then DAC is required, under the FCRA, to remove those items from your report. The previous employer has 15 days to respond to a driver's request for a correction of erroneous information.
Within five days of the conclusion of the investigation into the dispute, you must be provided with a copy of the corrected report and may request to have the corrected report sent to anyone who has seen the incorrect report within the last six months.
If the company is able to verify the information as correct it will not be removed from the report. In that case you'll be able to include a rebuttal statement on your report. This statement, the facts of the case as you see them, then becomes a permanent part of the record; allowing everyone who orders the report to read your side of the issue. If you, as a truck driver, choose to submit a rebuttal, and you've been denied employment based on your DAC report, your previous employer has 5 days to forward the rebuttal statement to the prospective employer and add a copy of the rebuttal statement to your permanent employment record.
You're within your rights to provide a rebuttal statement for each and every entry on the report but be careful. Too many rebuttals on a report may be viewed by potential employers as being more negative than minor adverse information.
You can read the actual text of §611, "Procedure in case of disputed accuracy", included in the Fair Credit Reporting Act. Additionally, Part 391 of the Federal Motor Carrier Safety Regulations includes rules addressing agencies like DAC Services and, under those rules that became effective on October 29, 2004, make it less likely that a driver will be unfairly shut out of employment in the trucking industry by vindictive past employers. You can read about them in §391.23 of the FMCSR.