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WPS-156701192_arclet 2 Flipbook PDF
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Walmart Customer Care, First Advantage 1 Concourse Parkway, NE Suite 200 Atlanta, GA 30328
11/19/2019
VIRGINIA DUARTE 519 30TH ST SAN DIEGO, CA 92102 Dear VIRGINIA DUARTE : You provided Walmart the authority to conduct a background check after you were made and accepted the conditional offer of employment. Attached is a copy of that report in accordance with your request. The report was issued by: First Advantage, Consumer Disclosure Center PO Box 105292 Atlanta, GA 30348 1-800-845-6004 If you have any questions regarding the report enclosed, please contact First Advantage Background Services Corp("First Advantage") at 1-800-845-6004. Sincerely, First Advantage on behalf of Walmart Enc.: Copy of Background Check Report Summary of Rights Under FCRA
Background Report Confidential
VIRGINIA DUARTE 607-84-XXXX CID - 156701192 WALMART INC 702 SW 8TH SREET BENTONVILLE, AR 72716-0001
IMPORTANT NOTICE UNDER CALIFORNIA LAW First Advantage does not guarantee the accuracy or truthfulness of the information as to the subject of the investigation, but only that it is accurately copied from public records. Information generated as a result of identity theft, including evidence of criminal activity, may be inaccurately associated with the consumer who is the subject of this report. In California, First Advantage shall provide a consumer seeking to obtain a copy of a report or making a request to review a file, a written notice in simple, plain English and Spanish setting forth the terms and conditions of his or her right to receive all disclosures. First Advantage no garantiza la exactitud o veracidad de la información en cuanto al objeto de la investigación, sino que solamente copia la información de los archivos públicos con exactitud. La información generada a raíz del robo de identidad, incluyendo evidencia de actividad criminal, puede ser incorrectamente asociada con el consumidor objeto de este informe. El cliente está de acuerdo y certifica que al ordenar y usar este informe está en estricto cumplimiento de cualesquiera leyes o regulaciones locales, estatales y federales que sean aplicables. Caution to Customer: Under the terms of the service agreement, this report is delivered with the understanding that the recipient client will hold the same in strict confidence and not disclose it to third parties and furthermore is to be used only for the purpose indicated in the Client's agreement for service, i.e. employment/volunteer/or resident/tenant screening purposes. This report and information provided therein is strictly confidential as it contains personal and sensitive information of the consumer/applicant/candidate/employee and must be utilized solely for the business purposes consistent with the declared purpose in the service agreement and is not to be used by the client or third parties for any other purposes. Client agrees to abide and comply with all applicable laws in connection with this report including data privacy, data protection laws and other similar applicable regulations. First Advantage is not the source of the data provided in this report in that the data is collected by First
Advantage from third party data sources such as public records held in governmental databases or courthouses, schools, colleges, universities, company officials, or third party proprietary databases etc. Accordingly First Advantage does not warrant the accuracy of the information provided by those third parties and expressly disclaims any and all liability for any and all claimed losses, damages, expenses including attorney fees and costs incurred as a result of reliance upon the content of this report. For US-based Clients or Clients obtaining reports on US residents: Client certifies that it has complied with the Fair Credit Reporting Act (FCRA) and that it has provided a clear disclosure in compliance with the FCRA to the consumer/applicant/candidate/employee and obtained consent and authorization from the consumer/applicant/candidate employee in order to receive this report. If the client intends to take adverse action based in whole or in part on the contents of this report, the client must provide the consumer with a copy of the report, a summary of consumers rights as prescribed by FCRA section 1681g(c)(3) and a copy of any applicable state law rights before taking any action, wait a reasonable period of time for the consumer to dispute any inaccurate information and then can take adverse action. First Advantage has provided your company with copies of the CFPB Summary of Rights for this purpose. For California based Clients or Clients obtaining reports on California residents: In California an investigative consumer reporting agency shall provide a consumer seeking to obtain a copy of a report or making a request to review a file, a written notice in simple, plain English and Spanish setting forth the terms and conditions of his or her right to receive all disclosures. If you are a First Advantage Consumer
First Advantage Customers
Please contact the First Advantage Consumer Center at: 1-800-845-6004 Toll Free (within the U.S.) +1 971-280-8128 Toll Number (outside the U.S.) Or visit http://fadv.com/our-company/contact-support.aspx for local contact details Please contact the CHICAGO EMPLOYMENT SERVICE CENTER at: (800)888-5773 (outside North America +1 971-280-8128)
General Consumer Information Consumer's Name VIRGINIA DUARTE Client Name WALMART INC
Candidate job code 1403 Candidate division ID 18
The following consumer information was used in the production of this report: Last Name, First Name, Middle Name, SSN, Date of Birth, Address SSN 607-84-XXXX Address 519 30TH ST SAN DIEGO, CA 92102 30/Nov/XXXX Date of Birth
Consumer Contact (619)540-4428
Consumer Alternate Contact
Other Names Not Provided Information Regarding this Order: Position Applied For ABSS-APP-3105310-CAND3003882-2019-1118T22:39:55 Background Check 19/Nov/2019 11:41:21 AM
Completion Date Date Report Printed 19/Nov/2019 11:48:24 AM
Date Ordered 18/Nov/2019 11:39:57 PM Report Last Updated 19/Nov/2019 11:41:21 AM on
Prior Convictions Reported by the Applicant None Candidate Information Label
Value
Candidate Candidate Candidate Candidate Candidate
department id facility number state code country code ID
All timestamps represent US Eastern Time
990 06235 CA US 3003882
First Advantage Background Report Summary Consumer's Name VIRGINIA DUARTE Background Check 19/Nov/2019 11:41:21 AM Completion Date:
Date Ordered: 18/Nov/2019 11:39:57 PM
Score Result Eligible for Hire Package Name: BASE PACKAGE Package Searches Ordered Status Social Security Verification Complete Social Security Verification Complete First Advantage National Criminal File Plus Complete First Advantage National Criminal File Plus SAN DIEGO, Complete SAN DIEGO, CA County Seat Felony & Misdemeanor Complete County Seat Felony & Misdemeanor SAN DIEGO, SAN Complete DIEGO, CA Federal Criminal Complete Federal Criminal SAN DIEGO, SAN DIEGO, CA Complete National Sex Offender Registry Complete National Sex Offender Registry Search - Department Of Complete Justice Web Site Global Sanction Search Complete First Advantage Global Sanction Search Complete Additional Searches Ordered NONE
Review No No No
Score
No
Complete
Complete
No No
Complete
No No No
Complete
No
Complete
No No
Complete
* Further review is required by the client to determine the consumer's eligibility based on background check results. Please refer to the corresponding detailed component report section for additional information. * * Further review is required by the client to determine the consumer's eligibility based on background check results. Please refer to the corresponding detailed component report section for additional information. *** This product has been blocked from delivery due to compliance related restrictions.
Social Security Number Validation Note The Social Security Number Validation is a process where the SSN is confirmed as being issued by the Social Security Administration. The Social Security Number Validation also confirms that the SSN does not belong to a deceased individual.
Valid SSN? Yes Date Issued BETWEEN 1995-1995
State Issued CALIFORNIA Reported Deceased? No
Disclaimer The results of the Social Security Number Validation do not provide a verification that the Social Security Number belongs to the Consumer of this report.
Back to top Status: Complete Score: Complete
Social Security Verification
Date Completed: 19/Nov/2019 The Social Security Number Verification (SSNV) matches the given SSN against consumer credit files contained in the databases of nationwide credit reporting agencies. The credit bureaus' consumer credit files contain information provided by companies with which the consumer has had financial dealings and/or public record information collected by the bureaus from the courts. The SSNV does not verify that the Social Security Administration issued a specific SSN to a consumer. Social Security Verification results and Remarks returned from this search are for informational purposes and should not be relied upon as a basis for determining the eligibility of a consumer for credit, insurance, employment or any other product or service, without additional review with and clarification from the consumer. SOCIAL SECURITY VERIFICATION NAME AND ADDRESS INFORMATION OBTAINED FROM: EXPERIAN Customer Provided Information SSN 607-84-XXXX
DOB 30/Nov/XXXX SSN Year Issued 1996
SSN State Issued Name Type Report Subject Addr Type Residence Address Address 5196 30TH ST
Name DUARTE, VIRGINIA First Date 02/01/2013 Last 02/01/2013
SAN DIEGO, CA 92102
Addr Type Former Address Address 519 3 OTH ST SAN DIEGO, CA 92102 Addr Type Former Address
First Date 08/01/2005 Last 09/01/2005
First Date 10/01/1999 Last 09/01/2019
Address 519 30TH ST SAN DIEGO, CA 92102
Employment Type ES Employer Name SAN DIEGO UNIFIED SCHOO
Remarks and/or Social Security Alerts 11/19/19: SUBJECT NAME RETURNED MATCHED WITH A DEVELOPED NAME. 11/19/19: NO ALERTS RETURNED FROM SEARCH.
Order Process History Date 18/Nov/2019 11:39:57 PM 19/Nov/2019 04:37:47 AM 19/Nov/2019 04:37:53 AM
Description Progressive Order Hold. Search In Progress. Record Judged. Back to top
First Advantage National Criminal File Plus SAN DIEGO, SAN DIEGO, CA Date Completed: 19/Nov/2019 Record Source
DATABASE SEARCH
Search Results
No Record Found
Search Type
First Advantage National Criminal File Plus Search
Status: Complete Score: Complete
Date of Search
19/Nov/2019
Address Covered
519 30TH ST
Address City Covered
SAN DIEGO
Address County Covered
SAN DIEGO
Address State Covered
CA
Address Zip
92102
Given Name Searched
VIRGINIA DUARTE
Order Process History Date 18/Nov/2019 11:39:57 PM 19/Nov/2019 05:00:57 AM 19/Nov/2019 05:07:39 AM 19/Nov/2019 05:07:39 AM
Description Progressive Order Hold. Record Ordered. Search In Progress. Record Judged. Back to top
Federal Criminal SAN DIEGO, SAN DIEGO, CA Date Completed: 19/Nov/2019
Status: Complete Score: Complete
Record Source
SOUTHERN DISTRICT OF CALIFORNIA SAN DIEGO DIVISION US DISTRICT COURT
Search Results
No Record Found
Search Type
FEDERAL FELONY & MISDEMEANOR SEARCH
Date of Search
19/Nov/2019
Search Period
11/05/2012 - 11/05/2019
Address Covered
519 30TH ST
Address City Covered
SAN DIEGO
Address County Covered
SAN DIEGO
Address State Covered
CA
Address Zip
92102
Location
880 FRONT STREET ROOM 4290 SAN DIEGO SAN DIEGO COUNTY
Given Name Searched
VIRGINIA DUARTE
Developed Name Searched
VIRGINIA DUARTE, VIRGINIA DUARTE
Source Status History Status Date 19/Nov/2019 05:07:33 AM
Description Search in progress. Estimated completion by 11/20/2019
Remark 11/19/19: THIS SEARCH ALSO COVERS: 519 30TH ST, SAN DIEGO, SAN DIEGO COUNTY, CA;
Order Process History Date 18/Nov/2019 11:39:57 PM 19/Nov/2019 05:00:56 AM 19/Nov/2019 05:06:29 AM 19/Nov/2019 05:15:05 AM
Description Progressive Order Hold. Search In Progress. Search In Progress. Record Judged. Back to top
County Seat Felony & Misdemeanor SAN DIEGO, SAN DIEGO, CA Date Completed: 19/Nov/2019
Status: Complete Score: Complete
Record Source
SAN DIEGO COUNTY SUPERIOR AND MUNICIPAL COURTS
Search Results
No Record Found
Search Type
FELONY AND MISDEMEANOR RECORD SEARCH - SINGLE LOCATION DUAL INDEX
Date of Search
19/Nov/2019
Search Period
11/05/2012 - 11/05/2019
Address Covered
519 30TH ST
Address City Covered
SAN DIEGO
Address County Covered
SAN DIEGO
Address State Covered
CA
Address Zip
92102
Location
220 WEST BROADWAY SAN DIEGO SAN DIEGO COUNTY
Given Name Searched
VIRGINIA DUARTE
Developed Name Searched
VIRGINIA DUARTE, VIRGINIA DUARTE
Source Status History Status Date 19/Nov/2019 05:05:31 AM
Description Search in progress. Estimated completion by 11/21/2019
Remark 11/19/19: THIS SEARCH ALSO COVERS: 519 30TH ST, SAN DIEGO, SAN DIEGO COUNTY, CA;
Order Process History Date 18/Nov/2019 11:39:57 PM 19/Nov/2019 05:00:56 AM 19/Nov/2019 05:05:15 AM 19/Nov/2019 11:41:21 AM
Description Progressive Order Hold. Search In Progress. Search In Progress. Record Judged. Back to top
National Sex Offender Registry Search - Department Of Justice Web Site Date Completed: 19/Nov/2019
Status: Complete Score: Complete
Record Source
NATIONAL SEX OFFENDER REGISTRY
Search Results
No Record Found
Search Type
NATIONAL SEX OFFENDER REGISTRY SEARCH-DEPT OF JUSTICE
Date of Search
19/Nov/2019
Search Period
11/05/2012 - 11/05/2019
Given Name Searched
VIRGINIA DUARTE
Developed Name Searched
VIRGINIA DUARTE, VIRGINIA DUARTE
Source Status History Status Date 19/Nov/2019 05:08:51 AM
Description Search in progress. Estimated completion by 11/20/2019
Remark
11/19/19: THIS SEARCH ALSO COVERS: 519 30TH ST, SAN DIEGO, SAN DIEGO COUNTY, CA;
Order Process History Date 18/Nov/2019 11:39:57 PM 19/Nov/2019 05:00:57 AM 19/Nov/2019 05:08:08 AM 19/Nov/2019 06:08:49 AM 19/Nov/2019 06:08:49 AM
Description Progressive Order Hold. Search In Progress. Search In Progress. Search In Progress. Record Judged. Back to top
First Advantage Global Sanction Search Date Completed: 19/Nov/2019
Status: Complete Score: Complete
Record Source
FIRST ADVANTAGE GLOBAL SANCTIONS DATABASE
Search Results
No Record Found
Search Type
FIRST ADVANTAGE GLOBAL SANCTION SEARCH
Date of Search
19/Nov/2019
Search Period
11/05/2012 - 11/19/2019
Location
CONCOURSE PKWY ATLANTA FULTON COUNTY
Given Name Searched
VIRGINIA DUARTE
Developed Name Searched
VIRGINIA DUARTE, VIRGINIA DUARTE
Source Status History Status Date 19/Nov/2019 05:08:21 AM
Description Search in progress. Estimated completion by 11/20/2019
Order Process History Date 18/Nov/2019 11:39:57 PM 19/Nov/2019 05:00:57 AM 19/Nov/2019 05:07:00 AM 19/Nov/2019 11:12:07 AM 19/Nov/2019 11:12:08 AM
Description Progressive Order Hold. Search In Progress. Search In Progress. Search In Progress. Record Judged.
Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. A Summary Of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and
must give you the name, address, and phone number of the agency that provided the information. You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: a person has taken adverse action against you because of information in your credit report; you are the victim of identity theft and place a fraud alert in your file; your file contains inaccurate information as a result of fraud; you are on public assistance; you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. Seewww.consumerfinance.gov/learnmore for additional information. You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore. You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
The following FCRA right applies with respect to nationwide consumer reporting agencies: CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE You have a right to place a "security freeze" on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer's credit file. Upon seeing a fraud alert display on a consumer's credit file, a business is required to take steps to verify the consumer's identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact: TYPE OF BUSINESS:
CONTACT
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates.
a. Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB:
b. Federal Trade Commission: Consumer Response Center - FCRA Washington, DC 20580 (877) 382-4357
2. To the extent not included in item 1 above:
a. Office of the Comptroller of the Currency Customer Assistance Group a. National banks, federal savings associations, and 1301 McKinney Street, Suite 3450 federal branches and federal agencies of foreign banks Houston, TX 77010-9050 b. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and insured state branches of foreign
b. Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN 55480
banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act
c. FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106
c. Nonmember Insured Banks, Insured State Branches d. National Credit Union Administration of Foreign Banks, and insured state savings Office of Consumer Protection (OCP) associations Division of Consumer Compliance and Outreach (DCCO) d. Federal Credit Unions 1775 Duke Street Alexandria, VA 22314 3. Air carriers
Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC 20590
4. Creditors Subject to Surface Transportation Board
Office of Proceedings, Surface Transportation Board Department of Transportation 395 E Street SW Washington, DC 20423
5. Creditors Subject to Packers and Stockyards Act
Nearest Packers and Stockyards Administration area supervisor
6. Small Business Investment Companies
Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, SW, 8th Floor Washington, DC 20549
7. Brokers and Dealers
Securities and Exchange Commission 100 F Street NE Washington, DC 20549
8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations
Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above
FTC Regional Office for region in which the creditor operates or Federal Trade Commission: Consumer Response Center - FCRA Washington, DC 20580 (877) 382-4357
California Residents Summary of Rights
You have a right to obtain a copy of your credit file from a consumer credit reporting agency. You may be charged a reasonable fee not exceeding eight dollars ($8). There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The consumer credit reporting agency must provide someone to help you interpret the information in your credit file. You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any credit repair company or credit service organization has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years. If you have notified a consumer credit reporting agency in writing that you dispute the accuracy of
information in your file, the consumer credit reporting agency must then, within 30 business days, reinvestigate and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer credit reporting agency. If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about disputed information in a report it issues about you. You have a right to receive a record of all inquiries relating to a credit transaction initiated in 12 months preceding your request. This record shall include the recipients of any consumer credit report. You may request in writing that the information contained in your file not be provided to a third party for marketing purposes. You have a right to place a "security alert" in your credit report, which will warn anyone who receives information in your credit report that your identity may have been used without your consent. Recipients of your credit report are required to take reasonable steps, including contacting you at the telephone number you may provide with your security alert, to verify your identity prior to lending money, extending credit, or completing the purchase, lease, or rental of goods or services. The security alert may prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that taking advantage of this right may delay or interfere with the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or cellular phone or other new account, including an extension of credit at point of sale. If you place a security alert on your credit report, you have a right to obtain a free copy of your credit report at the time the 90-day security alert period expires. A security alert may be requested by calling the following toll-free telephone number: (Insert applicable toll-free telephone number). California consumers also have the right to obtain a "security freeze." You have a right to place a "security freeze" on your credit report, which will prohibit a consumer credit reporting agency from releasing any information in your credit report without your express authorization. A security freeze must be requested in writing by mail. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or cellular phone or other new account, including an extension of credit at point of sale. When you place a security freeze on your credit report, you will be provided a personal identification number or password to use if you choose to remove the freeze on your credit report or authorize the release of your credit report for a specific party or period of time after the freeze is in place. To provide that authorization you must contact the consumer credit reporting agency and provide all of the following: (1) The personal identification number or password. (2) Proper identification to verify your identity. (3) The proper information regarding the third party who is to receive the credit report or the period of time for which the report shall be available to users of the credit report. A consumer credit reporting agency must authorize the release of your credit report no later than three business days after receiving the above information. A security freeze does not apply when you have an existing account and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review,
collection, fraud control, or similar activities. If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze may slow your application for credit. You should plan ahead and lift a freeze, either completely if you are shopping around, or specifically for a certain creditor, before applying for new credit. A consumer credit reporting agency may not charge a fee to a consumer for placing or removing a security freeze if the consumer is a victim of identity theft and submits a copy of a valid police report or valid Department of Motor Vehicles investigative report. A person 65 years of age or older with proper identification may be charged a fee of no more than $5 for placing, lifting, or removing a security freeze. All other consumers may be charged a fee of no more than $10 for each of these steps. You have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly or willfully misuses file data, or fails to correct inaccurate file data. If you are a victim of identity theft and provide to a consumer credit reporting agency a copy of a valid police report or a valid investigative report made by a Department of Motor Vehicles investigator with peace officer status describing your circumstances, the following shall apply: (1) You have a right to have any information you list on the report as allegedly fraudulent promptly blocked so that the information cannot be reported. The information will be unblocked only if (A) the information you provide is a material misrepresentation of the facts, (B) you agree that the information is blocked in error, or (C) you knowingly obtained possession of goods, services, or moneys as result of the blocked transactions. If blocked information is unblocked, you will be promptly notified. (2) Beginning July 1, 2003, you have a right to receive, free of charge and upon request, one copy of your credit report each month for up to 12 consecutive months. CALIFORNIA A Summary of Your Rights Under California Law
Under California law, you are entitled, upon presentation of proper identification(*) , to find out from an investigative consumer reporting agency ("CRA") what is in your file, as follows: 1. In person, by visual inspection of your file during normal business hours and on reasonable notice. You may be accompanied by one other person of your choosing, who must furnish reasonable identification. The CRA may require you to furnish a written statement granting permission to the CRA to discuss your file in such person's presence. 2. By obtaining a summary of it via telephone call, if you have made a written request, with proper identification, for telephone disclosure and the toll charge, if any, for the telephone call is prepaid by you or charged directly to you; or 3. By requesting in writing, with proper identification, that a copy of it be sent to a specified addressee by certified mail. The CRA complying with such requests for certified mailings shall not be liable for disclosures to third parties caused by mishandling of mail after such mailings leave the investigative CRAs. The CRA may not charge you more than the actual copying costs for providing you with a copy of your file. The CRA will provide trained personnel to explain any information furnished to you. The CRA and will provide a written explanation of any coded information contained in files maintained on you.
If you choose to visually inspect the file under option 1 above this written explanation will be provided whenever the file is provided to you. If you wish to obtain a security freeze on your file you should contact First Advantage at: 800-321-4473. (*) The term "proper identification" as used above shall mean that information generally deemed sufficient to identify a person. Such information includes documents such as a valid driver's license, social security account number, military identification card, and credit cards. Only if the consumer is unable to reasonably identify himself with the information described herein, may an investigative CRA require additional information concerning your employment and personal or family history in order to verify your identity. 122.103.31 CA Summary of Rights ESTADO DE CALIFORNIA Una muestra de sus derechos bajo las leyes del Estado de California.
Bajo las leyes del Estado de California, usted tiene derecho, presentando previamente la identificacion correcta (*), a que un investigador de la Agencia de Reporte del Consumidor ("CRA") le suministre la informacion que esta en su archivo y esto se hace de la siguiente manera: 1. La inspeccion visual de su archivo se hace en persona, durante horas habiles y se debe solicitar, presentando en un periodo razonable, una notificacion previa a su visita. Usted puede venir acompafiado de la persona que usted desee, la cual debe presentar identificacion personal \Tali& El CRA puede pedirle por escrito permiso para que el CRA pueda discutir su archivo en presencia de dicho acompafiante. 2. Si desea obtener la informacion del sumario via telefonica y usted la ha requerido por escrito y acompafiada de la identificacion correcta, el costo de la llamada estard bajo su responsabilidad, ya sea que esta sea prepagada o que se le cargue a usted directamente. 3. Si usted pide por escrito que le envien una copia por correo, a la direccion que usted indique, usted debe presentar previamente la identificacion correcta y esta le sera enviada por correo certificado. Si el CRA accede a dicho requerimiento de envio por correo certificado, el CRA no se hace responsable por la revelacion de la informacion a terceras personas, causado por el mal manejo del correo despues de que este haya salido de las instalaciones del CRA. El CRA no le cobrard mas de lo que actualmente se cobra por dar una copia de su archivo personal. El CRA cuenta con personal entrenado para explicar cualquier informacion que se suministre. El CRA explicard por escrito cualquier informacion codificada contenida en sus archivos personales. Si usted elige la inspeccion visual del archivo bajo la opcion 1 arriba mencionada, esta explicacion por escrito se proveera cuando el archivo le sea entregado. (*) El termino de IDENTIFICACION CORRECTA, significa generalmente que la identificacion suministrada se considera suficiente y veraz para reconocer a una persona. Tal informacion incluye documentos tales como la Licencia de Conducir, Numero del Seguro Social, Tarjeta Militar y Tarjetas de Credito. Solamente, si el consumidor no se puede identificar correctamente con alguna de las opciones anteriores, entonces el investigador del CRA pedird informacion adicional relacionada con su empleo o su historia personal o familiar para verificar su identidad.
Si desea ponerse en contacto First Advantage por favor llame al: 800-321-4473. 122.103.31 CA Summary of Rights