End User Driver's
Resume:
Minneapolis, MN *****
Juan Antonio Hernandez
Carson city, NV 89706
Enclosed you will find a copy of the background report you requested, which was completed at the request of DAL Global Services, LLC. tel 952-***-**** Minneapolis, MN
CONFIDENTIAL
This report is delivered in strict confidence to the Client End User identified in the report. Client End User has certified its Fair Credit Reporting Act (FCRA) permissible purpose and by accepting delivery of this report re- certifies that FCRA permissible purpose. This document should be stored in a secure manner and not transported via insecure methods. Destruction of this report must be done in accordance with the Federal Trade Commissions Disposal Rule.
Background Profile on
JUAN ANTONIO HERNANDEZ (JUAN A HERNANDEZ
OLIVARE)
Prepared Confidentially for
DAL GLOBAL SERVICES, LLC
Location: 1178-RNO-DL-FLHDLG
7275 Ohms Lane Edina, MN 55439 tel: 952-***-**** fax: 952-***-**** Page 2 of 6
PERSONAL DATA
Name: Juan Antonio Hernandez (JUAN A HERNANDEZ OLIVARE) Current Address:
2502 Catherine cir #9
Carson city, Carson City, NV 89706
Social Security Number: XXX-XX-5645
DOB: XX/XX/XXXX
Driver's License Number: XXXXXXXXXX
Received: 10/08/2021
Completed: 10/21/2021
Sent: 10/21/2021
Status: Pending
SUMMARY
Services Ordered Complete Pending Clear Attention Discrepancy Criminal(County)
Carson City NV Juan Antonio Hernández X X
Criminal(County)
Carson City NV Juan A Hernandez Olivare X X
Criminal(County)
SACRAMENTO CA Juan Hernandez X X
Criminal(Federal)
NV Juan A Hernandez Olivare X X
Criminal(Federal)
NV Juan Antonio Hernandez X X
Criminal(Sex Offender)
Juan Antonio Hernández X X
Criminal(Sex Offender)
Juan A Hernandez Olivare X X
Driving(Instant)
NV Juan Antonio Hernández X X
Global Watch
Juan Antonio Hernández X X
Global Watch
Juan A Hernandez Olivare X X
SSN Trace X X
7275 Ohms Lane Edina, MN 55439 tel: 952-***-**** fax: 952-***-**** Page 3 of 6
SOCIAL SECURITY NUMBER TRACE
Completed: 10/11/2021
Address History:
1. 3266 Desatoya Dr Carson City, Carson City, NV 89701 (12/04) 2. 2502 Catherine cir #9 Carson city, Carson City, NV 89706 (05/12) Additional Comments:
** Identity Scan did not detect any alerts.
Reported Aliases:
1. Juan A Hernandez Olivare
CRIMINAL
Criminal(County) - SACRAMENTO CA - Juan Hernandez
Completed: 10/19/2021
NO FELONY OR MISDEMEANOR CONVICTION RECORD FOUND
Criminal(County) - Carson City NV - Juan Antonio Hernández Completed: 10/18/2021
NO FELONY OR MISDEMEANOR CONVICTION RECORD FOUND
Criminal(County) - Carson City NV - Juan A Hernandez Olivare Completed: 10/21/2021
MISDEMEANOR 07/25/2016 COUNT 1: BASIC SPEEDING VIOLATION -1-10 MILES PER HOUR OVER POSTED SPEED LIMIT
08/11/2016 Disposition (Count 1) : Conviction
Sentence (Count 1) : Fine: 60.0000
Sentence (Count 1) : Court Fee: 65.0000
*Note: The above record was matched based upon the following identifiers: Type Provided Court File Match
Name Juan A Hernandez Olivare
JUAN Antonio
HERNANDEZ OLIVARE
PARTIAL
DOB XX/XX/XXXX XX/XX/XXXX FULL
Address
2502 Catherine Cir #9,
Carson City, Nv 89706
FULL
7275 Ohms Lane Edina, MN 55439 tel: 952-***-**** fax: 952-***-**** Page 4 of 6
MISDEMEANOR 09/26/2018 COUNT 1: BASIC SPEEDING VIOLATION -1-10 MILES PER HOUR OVER POSTED SPEED LIMIT
11/08/2018 Disposition (Count 1) : Conviction
Sentence (Count 1) : Fine: 50.0000
Sentence (Count 1) : Court Fee: 65.0000
*Note: The above record was matched based upon the following identifiers: Type Provided Court File Match
Name Juan A Hernandez Olivare
JUAN Antonio
HERNANDEZ OLIVARE
PARTIAL
DOB XX/XX/XXXX XX/XX/XXXX FULL
Address
2502 Catherine Cir #9,
Carson City, Nv 89706
FULL
MISDEMEANOR 05/15/2019 COUNT 1: BASIC SPEEDING VIOLATION -1-10 MILES PER HOUR OVER POSTED SPEED LIMIT
07/08/2019 Disposition (Count 1) : Conviction
Sentence (Count 1) : Fine: 65.0000
Sentence (Count 1) : Court Fee: 50.0000
*Note: The above record was matched based upon the following identifiers: Type Provided Court File Match
Name Juan A Hernandez Olivare
JUAN Antonio
HERNANDEZ OLIVARE
PARTIAL
DOB XX/XX/XXXX XX/XX/XXXX FULL
Address
2502 Catherine Cir #9,
Carson City, Nv 89706
FULL
MISDEMEANOR 12/24/2020 COUNT 1: SPEEDING IN RURAL AREA (IN COUNTY OF POPULATION 100,000 OR LESS)
05/13/2021 Disposition (Count 1) : Conviction
Sentence (Count 1) : Fine: 50.0000
Sentence (Count 1) : Court Fee: 25.0000
*Note: The above record was matched based upon the following identifiers: Type Provided Court File Match
Name Juan A Hernandez Olivare
JUAN Antonio
HERNANDEZ OLIVARE
PARTIAL
DOB XX/XX/XXXX XX/XX/XXXX FULL
Address
2502 Catherine Cir #9,
Carson City, Nv 89706
FULL
Criminal(Federal) - NV - Juan A Hernandez Olivare
7275 Ohms Lane Edina, MN 55439 tel: 952-***-**** fax: 952-***-**** Page 5 of 6
Completed: 10/11/2021
NO FEDERAL CONVICTION RECORD FOUND
Criminal(Federal) - NV - Juan Antonio Hernandez
Completed: 10/12/2021
NO FEDERAL CONVICTION RECORD FOUND
Criminal(NCRS) - Juan Antonio Hernández
Completed: 10/11/2021
Note: Additional research at the jurisdictional level may have been required to complete this check. If additional research was required, and reportable information was located, it is included in the applicable jurisdiction service contained in this report. Criminal(NCRS) - Juan A Hernandez Olivare
Completed: 10/12/2021
Note: Additional research at the jurisdictional level may have been required to complete this check. If additional research was required, and reportable information was located, it is included in the applicable jurisdiction service contained in this report. Criminal(Sex Offender) - Juan Antonio Hernández
Completed: 10/11/2021
Juan Antonio Hernández, XX/XX/XXXX, is not currently listed in the National Sex Offender Database. Note: Additional research at the jurisdictional level may have been required to complete this check. If additional research was required, and reportable information was located, it is included in the applicable jurisdiction service contained in this report. Criminal(Sex Offender) - Juan A Hernandez Olivare
Completed: 10/12/2021
JUAN A HERNANDEZ OLIVARE, XX/XX/XXXX, is not currently listed in the National Sex Offender Database.
Note: Additional research at the jurisdictional level may have been required to complete this check. If additional research was required, and reportable information was located, it is included in the applicable jurisdiction service contained in this report. GOVERNMENT DATA SOURCES
GLOBAL WATCH
7275 Ohms Lane Edina, MN 55439 tel: 952-***-**** fax: 952-***-**** Page 6 of 6
Completed: 10/11/2021
No record was found on the Global Watch List for the name Juan Antonio Hernández. Completed: 10/12/2021
No record was found on the Global Watch List for the name JUAN A HERNANDEZ OLIVARE. DRIVING
Nevada
Completed: 10/12/2021
License Information:
License Name: JUAN HERNANDEZ-OLIVARES
Date of Birth: XX/XX/XXXX
License Number: XXXXXXXXXX
Type: Personal
Current Status: Valid
Class: C
Class Description: CARS/VANS/PICKUPS; MAY TOW <10,000 LBS License Issue Date: 12/4/2019
Expires: 1/3/2028
Restriction: CORRECTIVE LENSES
Endorsements: NONE
Incidents Returned:
09/16/2018 SPEEDING 1-10 OVER LIMIT OVER THE P Points: - CARSON CITY NV
ACD Code: S51
Conviction Date: 11/08/2018
Background Questionnaire for: Hern?ndez, Juan, Antonio Version date: 10/09/2021
Items in bold represent the current version of the data. Personal Information
Information provided by: UltiPro by Joshua
Magana via Integration - Applicant Entry on
10/08/2021 02:45 PM
Information updated/provided by: Candidate via
Candidate Connect on 10/09/2021 09:37 AM from
IP Address 47.25.108.217
Date Of Birth 01/03/XXXX
Drivers License 020*******
Drivers License State Nevada
SSN XXX-XX-5645
Phone 775-***-****
Email ******.**********@*****.***
AKAs
Information provided by: UltiPro by Joshua
Magana via Integration - Applicant Entry on 10
/08/2021 02:45 PM
Information updated/provided by: Candidate via
Candidate Connect on 10/09/2021 09:37 AM from IP
Address 47.25.108.217
Candidate AKA 1 Juan Hern?ndez Juan Antonio Hern?ndez Address History
Information provided by: UltiPro by
Joshua Magana via Integration -
Applicant Entry on 10/08/2021 02:45 PM
Information updated/provided by: Candidate via
Candidate Connect on 10/09/2021 09:37 AM
from IP Address 47.25.108.217
Current Address 1 Street 2502 Catherine cir #9
Current Address 1 City Carson city
Current Address 1 State Nevada
Current Address 1 Country United States
Current Address 1 Zip 89706
Current Address 1 Start Date 06/05/2006
Admitted Offenses
An arrest or conviction record does not necessarily disqualify you from consideration.
* Do not report any conviction that has been sealed, expunged, statutorily eradicated, annulled, impounded, erased, dismissed under the First Offender's law, pardoned by the Governor or in which state law allows you to lawfully deny as set forth below. You are also not required to disclose violations, infractions, petty misdemeanors or summary offenses.
* California applicant/residents: You need not disclose any referral to, and participation in, any pre-trial or post-trial diversion program, or any misdemeanor convictions for which probation has been successfully completed and discharged. Do not list any marijuana-related misdemeanor convictions over two years old, or felony marijuana convictions under California Health and Safety Code Section 11360 ? which occurred prior to 1976.
* Connecticut applicants/residents: You need not disclose any conviction record that has been erased pursuant to sections 46b-146, 54-76o or 54-142a of the Connecticut General Statutes. Records subject to erasure under these sections are records pertaining to a finding of delinquency or that a child was a member of a family with service needs, an adjudication as a youthful offender, a criminal charge that was dismissed or nolled, or a criminal charge for which the person was found not guilty or received an absolute pardoned conviction. Any person whose records were erased within the meaning of these three sections may consider such events to have never occurred and may so swear under oath.
* Hawaii applicants/residents: Do not respond to this question until you have been given a conditional offer of employment.
* Newark, New Jersey applicants/residents: If you will be working in or are applying for work in the city of Newark, New Jersey, do not respond to this question until you have received a conditional offer of employment.
* Kentucky applicants/residents: You do not need to respond "Yes" as a result of any misdemeanor conviction where the date of conviction was more than five years ago.
* Massachusetts applicants/residents: An applicant for employment with a sealed record on file with the commissioner of probation may answer ?no? to the above with respect to an inquiry herein relative to prior arrests, criminal court appearances or convictions. In addition, any applicant for employment may answer ?no? to the above with respect to any inquiry relative to prior arrests, court appearances and adjudications in all cases of delinquency or as a child in need of services which did not result in a complaint transferred to the superior court for criminal prosecution. An applicant for employment with a record expunged pursuant to section 100F, section 100G, section 100H or section 100K of chapter 276 of the General Laws may answer ?no record? with respect to an inquiry herein relative to prior arrests, criminal court appearances or convictions. An applicant for employment with a record expunged pursuant to section 100F, section 100G, section 100H or section 100K of chapter 276 of the General Laws may answer ?no record? to an inquiry herein relative to prior arrests, criminal court appearances, juvenile court appearances, adjudications or convictions. You may exclude information regarding any misdemeanor record where the conviction occurred or any prison sentence ended three or more years ago whichever date is later.
* Virginia applicants/residents: You do not need to respond ?Yes? to this question for any Simple Possession of Marijuana offense.
* Washington applicants/residents: You may exclude convictions that occurred over ten years ago. Have you ever been convicted of, plead guilty, no contest or nolo contendre, to a misdemeanor or felony? Yes: No:
I hereby authorize the obtaining of "consumer reports" and/or "investigative consumer reports" by DAL Global Services, LLC at any time after receipt of this authorization and throughout my employment, if applicable and where allowed by law. To this end, I hereby authorize any law enforcement agency, administrator, state or federal agency, institution, school or university (public or private), information service bureau, or employer to furnish any and all background information requested by Orange Tree Employment Screening, 7275 Ohms Lane, Minneapolis, MN 55439, 800-***-****, their agents, and/or DAL Global Services, LLC itself. A photocopy of this document may be substituted for the original. I affirm that the information provided on the this form is true and accurate to the best of my knowledge. I further understand by filling out this electronic application that the act of submitting this is authorization and a written signature is not required. Applicant: Hern?ndez, Juan, Antonio Date: 10/09/2021 1
Para información en español, visite www.consumerfinance.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 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 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:
o a person has taken adverse action against you because of information in your credit report;
o you are the victim of identity theft and place a fraud alert in your file; o your file contains inaccurate information as a result of fraud; o you are on public assistance;
o 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. See www.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 2
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 form the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-888-5-OPTOUT (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 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 3
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:
4
TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates
b. Such affiliates 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, N.W.
Washington, DC 20552
b. Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, N.W.
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, 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
a. Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
b. Federal Reserve Consumer Help Center
P.O. Box 1200
Minneapolis, MN 55480
c. FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, MO 64106
d. National Credit Union Administration
Office of Consumer Financial Protection (OCFP)
Division of Consumer Compliance Policy and Outreach 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 the Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation
395 E Street, S.W.
Washington, DC 20423
5. Creditors Subject to the Packers and Stockyards Act, 1921 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, S.W., Suite 8200
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission 100 F Street, N.E.
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
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, N.W.
Washington, DC 20580
1
Para obtener información en español, visite www.consumerfinance.gov/learnmore o escriba a: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. Un resumen de sus derechos en virtud de la Ley de Informe Justo de Crédito La Ley de Informe Justo de Crédito (Fair Credit Reporting Act, FCRA), una ley federal, fomenta la exactitud, imparcialidad y privacidad de la información en los archivos de las agencias de informe del consumidor. Existen muchos tipos de agencias de informe del consumidor, incluidas las agencias de crédito (credit bureaus) y las agencias especializadas (como las agencias que venden información sobre el historial de extensión de cheques, registros médicos y registros de historial de alquiler). A continuación se presenta un resumen de sus principales derechos en virtud de la FCRA. Para obtener más información, incluyendo información sobre derechos adicionales, visite www.consumerfinance.gov/learnmore o escriba a: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
Deben notificarle si la información contenida en su archivo se ha utilizado en su contra. Todo aquel que utilice un informe de crédito u otro tipo de informe de consumidor para denegar su solicitud de crédito, seguro o empleo, o para emprender otra acción adversa en su contra, debe informarle y debe darle el nombre, la dirección y el número de teléfono de la agencia que proporcionó esa información.
Usted tiene derecho a saber lo que contiene su archivo. Usted puede solicitar y obtener toda la información registrada bajo su nombre en los archivos de una agencia de informe del consumidor
(divulgación de su información). Usted deberá proporcionar una prueba de su identidad, que puede incluir su número de Seguro Social. En muchos casos, la divulgación de la información de su archivo será gratuita. Usted tiene derecho a recibir una copia gratuita de su archivo si: o Una persona ha emprendido una acción adversa en su contra debido a la información contenida en su informe de crédito.
o Usted es víctima de un robo de identidad y coloca una alerta de fraude en su archivo. o Su archivo contiene información inexacta como resultado de fraude. o Usted recibe asistencia pública.
o Usted no está empleado pero prevé solicitar empleo en un plazo de 60 días. Asimismo, todos los consumidores tendrán derecho a recibir una copia gratuita de la información registrada en su archivo cada 12 meses si así se lo solicitan a cada agencia de crédito a nivel nacional y a las agencias especializadas de informe del consumidor a nivel nacional. Para obtener más información, visite www.consumerfinance.gov/learnmore.
Usted tiene derecho a pedir su puntaje de crédito. Los puntajes de crédito son resúmenes numéricos de su solvencia de crédito basados en la información de las agencias de crédito. Usted puede solicitar su puntaje de crédito a las agencias de informe del consumidor que generan o distribuyen los puntajes utilizados en préstamos de bienes raíces residenciales, pero tendrá que pagar un cargo. En algunas transacciones hipotecarias, el prestamista le dará información sobre su puntaje de crédito gratuitamente.
2
Usted tiene derecho a impugnar la información incompleta o inexacta. Si usted identifica información en su archivo que es incompleta o inexacta, y la reporta a la agencia de informe del consumidor, la agencia debe investigar, a menos que su impugnación sea frívola. Para consultar una explicación sobre los procedimientos de impugnación, visite www.consumerfinance.gov/learnmore.
Las agencias de informe del consumidor deben corregir o eliminar la información inexacta, incompleta o no verificable. La información inexacta, incompleta o no verificable debe ser eliminada o corregida, por lo general en un plazo de 30 días. No obstante, si una agencia de informe del consumidor verifica la exactitud de la información, puede seguir reportándola.
Las agencias de informe del consumidor no pueden reportar información negativa desactualizada. En la mayoría de los casos, una agencia de informe del consumidor no puede reportar información negativa ocurrida hace más de siete años, ni quiebras ocurridas hace más de 10 años.
El acceso a su archivo es limitado. Una agencia de informe del consumidor puede proporcionar información sobre usted solamente a aquellas personas que realmente la necesiten — generalmente para considerar una solicitud presentada por usted ante un acreedor, asegurador, empleador, propietario de una vivienda en alquiler u otro negocio. La FCRA especifica quiénes son las personas que tienen una necesidad válida de acceso.
Usted debe otorgar su consentimiento para que se envíen sus informes a los empleadores. Una agencia de informe del consumidor no puede darle información sobre usted a su empleador, ni a un posible empleador sin su consentimiento escrito a nombre del empleador. Por lo general, el consentimiento escrito no es requerido en la industria del transporte de carga por camión. Para obtener más información, visite www.consumerfinance.gov/learnmore.
Usted puede limitar las ofertas "pre-evaluadas" de crédito y seguro que recibe y que están basadas en la información de su informe de crédito. Las ofertas "pre-evaluadas" de crédito y seguro no solicitadas deben incluir un número de teléfono gratuito al que usted puede llamar si desea eliminar su nombre y dirección de las listas en las que se basan estas ofertas. Puede solicitar su exclusión voluntaria de estas listas llamando a las agencias de crédito a nivel nacional al 1-888-5-OPTOUT (1-888-***-****).
El siguiente derecho, en virtud de la FCRA, se aplica a las agencias de informe del consumidor a nivel nacional:
LOS CONSUMIDORES TIENEN EL DERECHO A OBTENER UNA SUSPENSIÓN POR SEGURIDAD
Usted tiene derecho a colocar un "congelamiento de seguridad" en su informe de crédito, la misma que prohíbe a las agencias de informe del consumidor, a entregar información sobre su informe de crédito sin su autorización expresa. El congelamiento de seguridad está diseñado para evitar que créditos, préstamos y servicios se aprueben en su nombre sin su consentimiento. Sin embargo, usted debe saber que colocar un congelamiento de seguridad para controlar el acceso a la información personal y financiera en su informe de crédito podría retrasar, interferir o 3
bloquear la aprobación a tiempo de peticiones o solicitudes posteriores que usted haga con respecto a un nuevo préstamo, crédito, hipoteca o cualquier otra transacción para obtener un crédito.
Como alternativa a un congelamiento de seguridad, usted tiene derecho a colocar una alerta de fraude inicial o extendida en su archivo de crédito sin costo alguno. Una alerta
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