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Why Social Media Screening is a Compliance Trap (Unless You Have a Safety Net)
Why Social Media Screening is a Compliance Trap (Unless You Have a Safety Net)
Adverse Social Media searches are the "new shiny object" in our industry. They are fast, AI-driven, and they catch things that traditional checks miss.
But there is a major problem that CRAs aren't talking about: The FCRA Section 607(b) Accuracy Trap.
The Problem: Sentiment is not Sentence. Social media finds "noise." It finds "toxicity." It finds "suspected illegal activity." But under the FCRA, you are required to follow reasonable procedures to assure Maximum Possible Accuracy.
If your AI flags a "toxic post" implying criminal behavior in Belgrade or Budapest, you can't just report that as a fact. You have a "hit" that is unverified. If you report it and it’s wrong, your client is liable. If you don't report it and it’s true, your client is at risk.
The Solution: The "Judicial Safety Net" This is why Social Media screening needs a primary-source partner.
By layering Straightline International’s direct court searches over your social media product, you move from "Sentiment" to "Sentence."
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Verify the Flag: When social media raises a red flag, we go to the local municipal court to find the legal truth.
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Primary Source Integrity: We provide the docket numbers and dispositions that turn a "social media hint" into a legally reportable fact.
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Maximum Accuracy: You fulfill your FCRA obligations by verifying the "suspected" with the "judicial."
CRA Partners: Don’t let your newest product become your biggest liability. Stop reporting on rumors and start verifying the law.
Let's discuss how Straightline can provide the judicial safety net your international screening needs.
Straightline International
+1-866-909-6678
https://www.straightlineinternational.com/contact/
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