End User Dispute Resolution
Resume:
Order # 184******* Brooks, Emanuel
Order Status: Pre-Adverse Action Sent
Order Result: REVIEW
USA 1-888-***-****
*******.**********@*************.***
Europe +44 (0-208******* - Option 2
Con dential Background Screening Report
Pursuant to Minn. Stat. Ann. 332.70(4): The report may include information that has been expunged, sealed, or has otherwise become inaccessible to the public since the date it was collected.
This report or portions of this report may have been rated or scored pursuant to criteria provided by the end-user. The rating is merely to ease the reviewer(s) review of the report and does not indicate that any employment decision has been made. Regardless of any rating applied by Sterling based on the end-user's criteria, the end-user must review all reports to conduct a case-by-case individualized analysis before making any decision. References to a speci c "Level" in the Result Column or as indicated in a Component Title are based solely on an end-user's criteria and do not refer to any label used by any sex o ender registry, government agency, or public record repository.
Sterling provides the information contained in this report to End-User to be used solely for a permissible purpose as de ned in the Fair Credit Reporting Act. If the End-User intends to take adverse action based in whole or in part on the contents of this report, the End-User must provide the consumer with notices that it is taking adverse action and those notices must comply with the FCRA and state law. All information contained in this report is provided pursuant to the terms of the End-User Agreement. End-User further understands that it uses any and all information provided by Sterling at its own risk and End-User is solely liable for complying with all federal, state, and local laws. The information contained in this report is con dential and may only be accessed by authorized employees of End-User, provided to the consumer about who it relates, or provided as otherwise required by law.
The scope of the criminal history search is governed by state and federal reporting restrictions and client request. Generally, records will be reported for 7 years. Due to state and federal reporting guidelines for consumer reporting agencies, records may or may not exist that may not be reported. Important Disclosures
Page 2 of 18
Order Information
Account Name
AMERISOURCEBERGEN
CORPORATION
Account Location
CONSHOHOCKEN, PA
Billing Code
COST_CENTER-3-4897
Created Date
2023-11-09
Completed Date
2023-11-22
Screening Package
New Hire Warehouse
Associate - (DS) Instant,
New Hire Warehouse
Associate - (DS) Instant
Alias
Add Ons
Managed Adverse Action
Candidate Information
First Name
Emanuel
Last Name
Brooks
Address
2793 Sonora Drive
Memphis, TN 38115
Phone
*********@*****.***
Search Identi er Status Result
SSN Trace XXX-XX-5021 Complete COMPLETE
County Court Search Brooks, Emanuel, TN-SHELBY Complete REVIEW County Court Search Moorlet, Emanuel T, TN-SHELBY Complete REVIEW County Court Search (Validator) Brooks, Emanuel, MS-TUNICA Complete REVIEW Federal Court Search (All Districts) Brooks, Emanuel Complete PASSED Federal Court Search (All Districts) Moorlet, Emanuel T Complete PASSED Locator Select Brooks, Emanuel Complete COMPLETE
Locator Select Moorlet, Emanuel T Complete CLEAR
Drug & Health Test - Urine: 9P POCT
Instant (eCup+)
Brooks, Emanuel, EChain Complete PASSED
FACIS L3 Brooks, Emanuel Complete CLEAR
FACIS L3 Moorlet, Emanuel T Complete CLEAR
Managed Adverse Action
Brooks, Emanuel, 2793 Sonora
Drive
Pending
ETA 2023-
11-30
Client Matrix Application
Brooks, Emanuel, Client Matrix
Application
Complete COMPLETE
Enhanced Nationwide Criminal Search Brooks, Emanuel Complete COMPLETE Enhanced Nationwide Criminal Search Moorlet, Emanuel T Complete COMPLETE Report Summary
SSN Trace—XXX-XX-5021 COMPLETE
Page 3 of 18
Data As Provided
Reported Data
SSN XXX-XX-5021
Last Name Brooks
First Name Emanuel
Middle Name Not Provided
The provided social security number has returned potential matching information related to the subject of this report. This information is an investigative tool only and should not be used as the basis of any employment decision. Report requested on: 2023-11-13 Report completed on: 2023-11-13 Name Brooks, Emanuel
SSN XXX-XX-5021
Data As Provided Veri ed Data
Charges
County Court Search—Brooks, Emanuel, TN-SHELBY REVIEW Last Name Brooks
First Name Emanuel
Middle
Name
Not Provided
SSN XXX-XX-5021
DOB XXXX-06-24
Race Unknown
Gender Unknown
Jurisdiction TN-SHELBY (2590)
Report requested on: 2023-11-13
Report completed on: 2023-11-13
Case
Number
16734384
File Date 2016-12-06
Last Name BROOKS
First Name EMANUEL
DOB XXXX-06-24
Case Type Conviction
Case Level Misdemeanor
Filed Date 2016-10-31
Disposition
Date
2017-01-27
Additional
Info
Address : 4177 Yale, Memphis, 38128, TN,
US
Violation
Date
2016-10-31
Type Misdemeanor
Original
Charge
Theft Of Property - $500.00 Or Less
Page 4 of 18
Charges
Disposition Guilty
Sentence Type: Fees
Suspended: No
Fine Amount: $287.00
Type: Jail
Suspended: No
Length: 2 Days
Type: Credit Time Served
Suspended: No
Length: 2 Days
Comments Charge Statute: 39-14-103
Case
Number
File Date 2016-01-07
Last Name BROOKS
First Name EMANUEL
DOB XXXX-06-24
Case Type Conviction
Case Level Felony
Filed Date 2015-07-29
Disposition
Date
2016-12-02
Additional
Info
Address : 4177 Yale, Memphis, 38128, TN,
US
Violation
Date
2015-07-29
Type Felony
Original
Charge
Aggravated Assault
Disposition Guilty Plea
Sentence Type: Prison
Length: 5 Years
Other: Suspended duration=5 Years
Type: Probation
Suspended: No
Length: 5 Years
Type: Fine
Suspended: No
Page 5 of 18
Charges
Fine Amount: $4,427.50
Comments Charge Statute: 39-13-102
Case
Number
File Date 2014-09-03
Last Name BROOKS
First Name EMANUEL
Middle
Name
T
DOB XXXX-06-24
Case Type Conviction
Case Level Misdemeanor
Filed Date 2014-09-03
Disposition
Date
2014-09-04
Additional
Info
Address : 4177 Yale, Memphis, 38128, TN,
US
Violation
Date
2014-09-03
Type Misdemeanor
Original
Charge
Assault - Bodily Harm
Disposition Guilty
Sentence Type: Credit Time Served
Suspended: No
Length: 2 Days
Type: Jail
Suspended: No
Length: 2 Days
Type: Fine
Suspended: No
Fine Amount: $532.09
Comments Charge Statute: 39-13-101
County Court Search—Moorlet, Emanuel T, TN-SHELBY REVIEW Page 6 of 18
Data As Provided Veri ed Data
Charges
Last Name MOORLET
First Name EMANUEL
Middle
Name
T
SSN XXX-XX-5021
DOB XXXX-06-24
Race Unknown
Gender Unknown
Jurisdiction TN-SHELBY (2590)
Report requested on: 2023-11-13
Report completed on: 2023-11-17
Case
Number
File Date 1999-02-23
Last Name MOORLET
First Name EMANUEL
Pin Number XXX-XX-5021
DOB XXXX-06-24
Case Type Conviction
Case Level Misdemeanor
Filed Date 1998-06-25
Disposition
Date
1999-03-22
Additional
Info
Address : 4177 Yale, Memphis, 38128, TN,
US
Violation
Date
1998-06-25
Type Misdemeanor
Original
Charge
Possession Of A Controlled Substances
Disposition Guilty
Sentence Type: Fine
Suspended: No
Fine Amount: $546.00
Type: Jail
Suspended: No
Length: 6 Months
Type: Credit Time Served
Suspended: No
Length: 270 Days
Comments Charge Statute: 39-17-418
Case
Number
File Date 1998-09-08
Last Name MOORLET
Page 7 of 18
Charges
First Name EMANUEL
Pin Number XXX-XX-5021
DOB XXXX-06-24
Case Type Conviction
Case Level Felony
Filed Date 1998-06-25
Disposition
Date
1998-11-18
Additional
Info
Address : 4177 Yale, Memphis, 38128, TN,
US
Violation
Date
1998-06-25
Type Felony
Original
Charge
Theft Of Property Over $500.00
Disposition Guilty
Sentence Type: Jail
Suspended: No
Length: 2 Years
Type: Credit Time Served
Suspended: No
Length: 146 Days
Type: Fine
Suspended: No
Fine Amount: $6,369.00
Comments Charge Statute: 39-14-103
Data As Provided
County Court Search (Validator)—Brooks, Emanuel, MS-TUNICA REVIEW Last Name Brooks
First Name Emanuel
Middle Name Not Provided
SSN XXX-XX-5021
DOB XXXX-06-24
Page 8 of 18
Veri ed Data
Charges
Race Unknown
Gender Unknown
Jurisdiction MS-TUNICA (1592)
Report requested on: 2023-11-13 Report completed on: 2023-11-17 Case Number 2007-0114
File Date 2007-08-04
Last Name BROOKS
First Name EMANUEL
SSN XXX-XX-5021
DOB XXXX-06-24
Case Type Conviction
Case Level Felony
Filed Date 2007-08-04
Disposition Date 2009-03-11
Additional Info
Vendor Comments offense_date: 08/04/2007
additional_notes: IN THE ABSENCE OF AN OFFENSE DATE FROM THE PAT, THE FILE DATE HAS BEEN DUPLICATED IN THE OFFENSE DATE PER YOUR REQUEST.
Type Felony
Original Charge Credit Card Fraud
Disposition Conviction
Sentence Type: Prison
Suspended: No
Length: 3 Years
Other: 3 YEARS
Data As Provided Veri ed Data
Federal Court Search (All Districts)—Brooks, Emanuel PASSED Last Name Brooks
First Name Emanuel
Middle
Name
Not Provided
Report requested on: 2023-11-13
Report completed on: 2023-11-13
Page 9 of 18
SSN XXX-XX-5021
DOB XXXX-06-24
Race Unknown
Gender Unknown
Data As Provided Veri ed Data
Federal Court Search (All Districts)—Moorlet, Emanuel T PASSED Last Name MOORLET
First Name EMANUEL
Middle
Name
T
SSN XXX-XX-5021
DOB XXXX-06-24
Race Unknown
Gender Unknown
Report requested on: 2023-11-13
Report completed on: 2023-11-13
Data As Provided Veri ed Data
Locator Select—Brooks, Emanuel COMPLETE
Last Name Brooks
First Name Emanuel
Middle
Name
Not Provided
SSN XXX-XX-5021
DOB XXXX-06-24
State TN
Zip Code 38115
License
Number
—
If the Search revealed any potential reportable
information that was not up to date, primary source searches were initiated to ensure only up to date
information is reported.Any information from such
primary source searches is located elsewhere in this report.
Report requested on: 2023-11-13
Report completed on: 2023-11-13
Page 10 of 18
Data As Provided Veri ed Data
Locator Select—Moorlet, Emanuel T CLEAR
Last Name MOORLET
First Name EMANUEL
Middle
Name
T
SSN XXX-XX-5021
DOB XXXX-06-24
State TN
Zip Code 38115
License
Number
—
If the Search revealed any potential reportable
information that was not up to date, primary source searches were initiated to ensure only up to date
information is reported.Any information from such
primary source searches is located elsewhere in this report.
Report requested on: 2023-11-13
Report completed on: 2023-11-13
Data As Provided
Veri ed Data
Drug & Health Test - Urine: 9P POCT Instant (eCup+)—Brooks, Emanuel, EChain PASSED Last Name Brooks
First Name Emanuel
Middle Name Not Provided
Chain of Custody EChain
Test Type DHS70008-Urine: 9P POCT Instant (eCup+) (7868) Report requested on: 2023-11-13 Report completed on: 2023-11-16 Lab Name Alere Toxicology Services
Request Form ID 720-***-****
SUBJECTID XXXXX5021
Collected 2023-11-15
Received 2023-11-16
Reported 2023-11-16
Page 11 of 18
Specimen 720-***-****
Test Reason Pre-Employment
MRO Results
Negative
A Negative result refers to a specimen with no confirmed presence of any substance tested. BENZODIAZEPINES: NEGATIVE
PHENCYCLIDINE: NEGATIVE
AMPHETAMINES: NEGATIVE
MARIJUANA: NEGATIVE
BARBITURATES: NEGATIVE
OPIATES: NEGATIVE
COCAINE: NEGATIVE
METHAMPHETAMINES: NEGATIVE
OXYCODONES: NEGATIVE
The laboratory analysis for Amphetamines includes screening for Amphetamines as well as Methamphetamines; consequently, a negative result for Amphetamines represents a negative result for both Amphetamines and Methamphetamines.
COMMENTS:
MEDICAL REVIEW OFFICER: Dr Philip A Lopez
18241 Daybreak Dr.
Boca Raton, FL 33496
Phone: 888-***-****
Lab Details
Regulation: Non-DOT
Lab Account: 171732
Collector:
Collection Site: Career Pro Occ Express
6073 Mount Moriah Rd Ext
MEMPHIS, TN 38115
901-***-**** Ext:
Data As Provided Veri ed Data
FACIS L3—Brooks, Emanuel CLEAR
Last Name Brooks
First Name Emanuel
Middle
Name
Not Provided
Report requested on: 2023-11-13
Report completed on: 2023-11-13
Search
Description
FACISL-L3 : The FACIS Level 3 sanctions
and exclusions search typically includes
OIG LEIE, GSA/SAM EPLS, DEA, FDA,
Page 12 of 18
DOB XXXX-06-24
SSN XXX-XX-5021
License
Number
—
FACIS Level FACIS-L3 (4745)
TRICARE, OFAC SDN, Medicare Opt-Out,
state board and state agency issued
sanctions and disciplinary actions from all
56 U.S. jurisdictions and many more federal
and state sources. It also typically includes
Medicaid exclusion or suspended provider
lists for the following jurisdictions: AL, AK,
AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA,
ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN,
MO, MS, MT, NC, ND, NE, NH, NJ, NV, NY,
OH, PA, SC, TN, TX, VT, WA, WV, WY
Data As Provided Veri ed Data
FACIS L3—Moorlet, Emanuel T CLEAR
Last Name MOORLET
First Name EMANUEL
Middle
Name
T
DOB XXXX-06-24
SSN XXX-XX-5021
License
Number
—
FACIS Level FACIS-L3 (4745)
Report requested on: 2023-11-13
Report completed on: 2023-11-13
Search
Description
FACISL-L3 : The FACIS Level 3 sanctions
and exclusions search typically includes
OIG LEIE, GSA/SAM EPLS, DEA, FDA,
TRICARE, OFAC SDN, Medicare Opt-Out,
state board and state agency issued
sanctions and disciplinary actions from all
56 U.S. jurisdictions and many more federal
and state sources. It also typically includes
Medicaid exclusion or suspended provider
lists for the following jurisdictions: AL, AK,
AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA,
ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN,
MO, MS, MT, NC, ND, NE, NH, NJ, NV, NY,
OH, PA, SC, TN, TX, VT, WA, WV, WY
Data As Provided Veri ed Data
Managed Adverse Action—Brooks, Emanuel, 2793 Sonora Drive ETA 2023-11-30 Last Name Brooks
First Name Emanuel
Middle
Name
Not Provided
Street
Address
2793 Sonora Drive
City Memphis
State TN
Zip Code 38115
Signature Yael Merlino
The results of this request are still pending completion. Expected completion date: 2023-11-30
Page 13 of 18
Data As Provided Veri ed Data
Client Matrix Application—Brooks, Emanuel, Client Matrix Application COMPLETE Last Name Brooks
First Name Emanuel
Middle
Name
Not Provided
Report requested on: 2023-11-13
Report completed on: 2023-11-13
Data As Provided Veri ed Data
Enhanced Nationwide Criminal Search—Brooks, Emanuel COMPLETE Last Name Brooks
First Name Emanuel
Middle
Name
Not Provided
SSN XXX-XX-5021
DOB XXXX-06-24
Race Unknown
Gender Unknown
The Enhanced Nationwide search is a national database, made up of various state and local sources. It does not cover every US jurisdiction. The veri ed results can be found under the header of the appropriate jurisdiction on this report.
Report requested on: 2023-11-13
Report completed on: 2023-11-17
Data As Provided Veri ed Data
Enhanced Nationwide Criminal Search—Moorlet, Emanuel T COMPLETE Last Name MOORLET
First Name EMANUEL
Middle
Name
T
SSN XXX-XX-5021
DOB XXXX-06-24
Race Unknown
Report requested on: 2023-11-13
Report completed on: 2023-11-17
Page 14 of 18
Gender Unknown
The Enhanced Nationwide search is a national database, made up of various state and local sources. It does not cover every US jurisdiction. The veri ed results can be found under the header of the appropriate jurisdiction on this report.
Para información en español, visite www.consumer nance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 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 les 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.consumer nance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.
• You must be told if information in your le 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 le. You may request and obtain all the information about you in the les of a consumer reporting agency (your " le disclosure"). You will be required to provide proper identi cation, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free le 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 le;
• your le 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 Required Notices
Page 15 of 18
consumer reporting agencies. See www.consumer nance.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 le that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumer nance.gov/learnmore for an explanation of dispute procedures.
• Consumer reporting agencies must correct or delete inaccurate, incomplete, or unveri able information. Inaccurate, incomplete or unveri able information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has veri ed 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 le 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 speci es 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.consumer nance.gov/learnmore.
• You may limit "prescreened" o ers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" o ers 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 o ers are based on. You may opt-out with the nationwide credit bureaus at 1-888-***-****
• 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 Page 16 of 18
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 nancial 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 le at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer's credit le. Upon seeing a fraud alert display on a consumer's credit le, 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 a liates, 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.consumer nance.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 a liates
b. Such a liates that are not banks, savings
associations, or credit unions also should list, in addition to the CFPB:
a. Consumer Financial Protection Bureau
1700 G Street NW
Washington, DC 20552
b. Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580
2. To the extent not included in item 1 above:
a. National banks, federal savings associations,
and federal branches and federal agencies of
foreign banks
b. State member banks, branches and agencies
of foreign banks (other than federal branches,
a. O ce of the Comptroller of the Currency
Customer Assistance Group
P.O. Box 53570
Houston, TX 77052
b. Federal Reserve Consumer Help Center
P.O. Box 1200
Page 17 of 18
federal agencies, and Insured State Branches of
Foreign Banks), commercial lending companies
owned or controlled by foreign banks, and
organizations operating under section 25 or 25A
of the Federal Reserve Act.
c. Nonmember Insured Banks, Insured State
Branches of Foreign Banks, and insured state
savings associations
d. Federal Credit Unions
Minneapolis, MN 55480
c. Division of Depositor and Consumer Protection
National Center for Consumer and Depositor
Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106
d. National Credit Union Administration
O ce of Consumer Financial Protection
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Assistant General Counsel for O ce of Aviation Protection
Department of Transportation
1200 New Jersey Avenue SE
Washington, DC 20590
4. Creditors Subject to the Surface Transportation Board
O ce of Public Assistance, Governmental A airs,
and Compliance
Surface Transportation Board
395 E Street SW
Washington, DC 20423
5. Creditors Subject to the Packers and
Stockyards Act, 1921
Nearest Packers and Stockyards Division Regional
O ce
6. Small Business Investment Companies Associate Administrator, O ce of Capital Access United States Small Business Administration
409 Third Street SW, Suite 8200
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission 100 F Street NE
Washington, DC 20549
8. Institutions that are members of the Farm
Credit
System
Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other
Creditors Not Listed Above
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580
Tennessee 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. A security freeze must be requested in writing by certi ed mail or by electronic means as provided by a consumer reporting agency. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. If you are actively seeking a new credit, loan, utility, or Page 18 of 18
telephone account, you should understand that the procedures involved in lifting a security freeze may slow your applications for credit. You should plan ahead and lift a freeze in advance of actually applying for new credit. When you place a security freeze on your credit report, you will be provided a personal identi cation 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 period of time after the freeze is in place. To provide that authorization you must contact the consumer reporting agency and provide all of the following:
(1) The personal identi cation number or password;
(2) Proper identi cation to verify your identity; and
(3) The proper information regarding the period of time for which the report shall be available.
A consumer reporting agency must authorize the release of your credit report no later than fteen (15) minutes after receiving the above information. A security freeze does not apply to a person or entity, or its a liates, 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 fraud control, or reviewing or collecting the account. Reviewing the account includes activities related to account maintenance.
You should consider ling a complaint regarding your identity theft situation with the federal trade commission and the Tennessee department of commerce and insurance, division of consumer a airs, either in writing or via their websites. You have a right to bring civil action against anyone, including a consumer reporting agency, who improperly obtains access to a le, misuses le data, or fails to correct inaccurate le data.
Unless you are a victim of identity theft with a police report, or other o cial document acceptable to a consumer reporting agency to verify the crimes, a consumer reporting agency has the right to charge you up to seven dollars and fty cents ($7.50) to place a freeze on your credit report, but may not charge you to temporarily lift a freeze on your credit report. A consumer reporting agency may charge a consumer a reasonable fee not to exceed ve dollars ($5.00) to permanently remove a security freeze, or to replace a personal identi cation number or password. A consumer reporting agency may increase these fees annually based on changes to a common measure of consumer prices. A consumer reporting agency may not charge a Tennessee consumer to place or permanently remove a security freeze if that Tennessee consumer is a victim of identity theft as de ned in Tennessee law or federal law regarding identity theft and presents to the consumer reporting agency, at the time the request is made, a police report or other o cial document acceptable to the consumer reporting agency detailing the theft.
Contact this candidate