Dispute Resolution Non-Exempt
Resume:
Order # 185******* Khim, Pysey
Order Status: Complete
Order Result: CONSIDER
USA 1-888-***-****
*******.**********@*************.***
Europe +44 (0-208******* - Option 2
Confidential Background Screening Report
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 specific "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 offender 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 defined 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 confidential 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
Order Information
Account Name
NOVA BIOMEDICAL
Account Location
WALTHAM, MA
Created Date
2024-07-09
Completed Date
2024-07-16
Screening Package
Non-Exempt Package
Add Ons
Managed State Compliance
Candidate Information
First Name
Pysey
Last Name
Khim
Address
41 Hill street
Leominster, MA 01453
Phone
*********@*****.***
Page 1 of 17
Search Identifier Status Result
County Court Search Khim, Pysey, MA-MIDDLESEX Complete CLEAR County Court Search Khim, Pysey, MA-WORCESTER Complete CLEAR County Court Search Khim, Pysey, NH-HILLSBOROUGH Complete CLEAR Drivers Record Khim, Pysey, MA-SXXXXXXX2 Complete CONSIDER Drug & Health Test - Urine: 5P POCT Instant Khim, Pysey, EChain Complete CLEAR DOJ Sex Offender Search Khim, Pysey Complete CLEAR Managed State Compliance Khim, Pysey, 41 Hill street Complete COMPLETE Federal State Court Search Khim, Pysey, NH-ALL DISTRICTS Complete CLEAR Federal State Court Search Khim, Pysey, MA-ALL DISTRICTS Complete CLEAR OIG-GSA Excluded Parties Khim, Pysey, OIG-GSA Complete CLEAR Report Summary
Data As Provided Verified Data
County Court Search—Khim, Pysey, MA-MIDDLESEX CLEAR Last Name Khim
First Name Pysey
Middle
Name
Not Provided
SSN XXX-XX-3629
DOB XXXX-12-15
Race Unknown
Gender Unknown
Jurisdiction MA-MIDDLESEX (1188)
Report requested on: 2024-07-09
Report completed on: 2024-07-10
Data As Provided Verified Data
County Court Search—Khim, Pysey, MA-WORCESTER CLEAR Last Name Khim Report requested on: 2024-07-09
Report completed on: 2024-07-11
Page 2 of 17
First Name Pysey
Middle
Name
Not Provided
SSN XXX-XX-3629
DOB XXXX-12-15
Race Unknown
Gender Unknown
Jurisdiction MA-WORCESTER (1193)
Data As Provided Verified Data
County Court Search—Khim, Pysey, NH-HILLSBOROUGH CLEAR Last Name Khim
First Name Pysey
Middle
Name
Not Provided
SSN XXX-XX-3629
DOB XXXX-12-15
Race Unknown
Gender Unknown
Jurisdiction NH-HILLSBOROUGH (1910)
Report requested on: 2024-07-09
Report completed on: 2024-07-15
Data As Provided Verified Data
Drivers Record—Khim, Pysey, MA-SXXXXXXX2 CONSIDER
Last Name Khim
First Name Pysey
Middle
Name
Not Provided
DOB XXXX-12-15
Gender Unknown
License
Number
SXXXXXXX2
State MA-DEPT MOTOR VEHICLES (3390)
Last Name
on License
Khim
Report requested on: 2024-07-09
Report completed on: 2024-07-09
License
Number
—
Last Name KHIM
First Name PYSEY
DOB XXXX-12-15
Age 41
Country US
Page 3 of 17
Licenses
First Name
on License
Pysey Miscellaneo
us and
State-
Specific
Information
Miscellaneous: EXPIRATION DATES IN THIS
DOCUMENT MAY HAVE BEEN EXTENDED
PURSUANT TO EXECUTIVEOR LEGISLATIVE
ACTION OF THE ISSUING JURISDICTION
RELATED TO COVID-19.PLEASE CONSULT
WITH THE JURISDICTION FOR FURTHER
DETAILS.
License
Class
D
License
Status
Valid
Issue Date 2024-05-15
Expiration
Date
2028-12-15
Country US
License
Number
SXXXXXXX2
State MA
License
Type
PERSONAL
Additional
License
Informatio
n
LicenseClassDescription: NORMAL
OPERATOR'S LICENSE
License
Class
D
Issue Date 2024-05-15
Expiration
Date
2028-12-15
Country US
License
Number
SXXXXXXX2
State MA
License
Type
PERSONAL
Additional
License
Informatio
n
LicenseClassDescription: NORMAL
OPERATOR'S LICENSE
License
Class
D
Issue Date 2019-11-22
Page 4 of 17
Expiration
Date
2024-12-15
Country US
License
Number
SXXXXXXX2
State MA
License
Type
PERSONAL
Additional
License
Informatio
n
LicenseClassDescription: NORMAL
OPERATOR'S LICENSE
License
Class
D
Issue Date 2017-01-06
Expiration
Date
2019-12-15
Country US
License
Number
SXXXXXXX2
State MA
License
Type
PERSONAL
Additional
License
Informatio
n
LicenseClassDescription: NORMAL
OPERATOR'S LICENSE
License
Class
D
Issue Date 2014-11-28
Country US
License
Number
SXXXXXXX2
State MA
License
Type
PERSONAL
Additional
License
Informatio
n
LicenseClassDescription: NORMAL
OPERATOR'S LICENSE
License
Class
D
Issue Date 2010-07-06
Page 5 of 17
Incidents
Country US
License
Number
SXXXXXXX2
State MA
License
Type
PERSONAL
Additional
License
Informatio
n
LicenseClassDescription: NORMAL
OPERATOR'S LICENSE
License
Class
D
Issue Date 2010-01-13
Expiration
Date
2012-01-13
Country US
License
Number
SXXXXXXX2
State MA
License
Type
PERMIT
Additional
License
Informatio
n
LicenseClassDescription: NORMAL
OPERATOR'S LICENSE
Conviction
Date
2022-01-12
Hazard
Materials
false
Points 0
Violation
Date
2020-08-13
Description FAILURE TO YIELD RIGHT OF WAY TO
PEDESTRIAN, HANDICAPPED, OR BLIND
Disposition VIOL
Violation
Codes
ACDCODE:N03
Company
Code
1
Page 6 of 17
Additional
Violation
Details
AVDCode: MC03
AVD2: MC03
StateCode: N08
StateDesc: FAILURE TO YIELD RIGHT OF
WAY TO PEDESTRIAN, HANDICAPPED,
OR BLIND
Docket: T2491081
VehicleCode: NonCommercial
StateAbbrev: MA
StateFull: MASSACHUSETTS
Incident DescSmall: FTY RWY TO
PEDEST/HANDIC/BLIND
Key: MAA01N08
Disposition: RESPONSIBLE
Commercial: N
PostedDate: 2020-08-19
Data As Provided
Verified Data
Drug & Health Test - Urine: 5P POCT Instant—Khim, Pysey, EChain CLEAR Last Name Khim
First Name Pysey
Middle Name Not Provided
Chain of Custody EChain
Test Type DHS50012-Urine: 5P POCT Instant (7842)
Report requested on: 2024-07-09 Report completed on: 2024-07-10 Lab Name Quest
Request Form ID QD26418559
SUBJECTID XXXXX3629
Collected 2024-07-10
Received 2024-07-10
Reported 2024-07-10
Specimen QD26418559
Test Reason Pre-Employment
Page 7 of 17
MRO Results
Negative
A Negative result refers to a specimen with no confirmed presence of any substance tested. OPIATES: NEGATIVE
COCAINE: NEGATIVE
METHAMPHETAMINES: NEGATIVE
MARIJUANA: NEGATIVE
PHENCYCLIDINE: NEGATIVE
AMPHETAMINES: 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: 11504864
Collector:
Collection Site: Quest Diagnostics Main Street Nashua 300 Main St
Nashua, NH 03060
603-***-**** Ext:
Data As Provided Verified Data
DOJ Sex Offender Search—Khim, Pysey CLEAR
Last Name Khim
First Name Pysey
Middle
Name
Not Provided
SSN XXX-XX-3629
DOB XXXX-12-15
Race Unknown
Gender Unknown
Report requested on: 2024-07-09
Report completed on: 2024-07-09
Page 8 of 17
Case
Comments
Limitations on the DOJ Sex Offender
Search.
1. NEVADA: This search does not provide
results from the State of Nevada, as by
both statute and regulation, information
from the Nevada Sex Offender Registry
web site cannot be used for employment
purposes and cannot be distributed
commercially.
2. OREGON: This search has special
conditions from the state of Oregon.
Information is only provided for sex
offenders who have been designated as
Predatory, as provided in ORS 181.585,
who have been determined to present the
highest risk of reoffending and to require
the widest range of notification or are
found to be a sexually violent dangerous
offender under ORS 144.635.
Data As Provided Verified Data
Managed Compliance—Khim, Pysey, 41 Hill street COMPLETE Last Name Khim
First Name Pysey
Middle
Name
Not Provided
Street
Address
41 Hill street
City Leominster
State MA
Country USA
Zip Code 01453
Managed
Compliance
Type
Electronic
Report requested on: 2024-07-15
Report completed on: 2024-07-16
Date 2024-07-15
Action Report Emailed at
(*********@*****.***)
Data As Provided Verified Data
Federal State Court Search—Khim, Pysey, NH-ALL DISTRICTS CLEAR Last Name Khim
First Name Pysey
Middle
Name
Not Provided
Report requested on: 2024-07-09
Report completed on: 2024-07-09
Page 9 of 17
SSN XXX-XX-3629
DOB XXXX-12-15
Race Unknown
Gender Unknown
Jurisdiction NH-ALL DISTRICTS (9656)
Data As Provided Verified Data
Federal State Court Search—Khim, Pysey, MA-ALL DISTRICTS CLEAR Last Name Khim
First Name Pysey
Middle
Name
Not Provided
SSN XXX-XX-3629
DOB XXXX-12-15
Race Unknown
Gender Unknown
Jurisdiction MA-ALL DISTRICTS (9644)
Report requested on: 2024-07-09
Report completed on: 2024-07-09
Data As Provided Verified Data
OIG-GSA Excluded Parties—Khim, Pysey, OIG-GSA CLEAR Last Name Khim
First Name Pysey
Middle
Name
Not Provided
SSN XXX-XX-3629
DOB XXXX-12-15
Excluded
List
OIG-GSA-Combined GSA and OIG (3605)
Report requested on: 2024-07-09
Report completed on: 2024-07-09
Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552. Required Notices
Page 10 of 17
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 NW, 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. 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 Page 11 of 17
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-***-****. 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
Page 12 of 17
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
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, 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,
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
P.O. Box 53570
Houston, TX 77052
b. Federal Reserve Consumer Help Center
P.O. Box 1200
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
Office of Consumer Financial Protection
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Assistant General Counsel for Office of Aviation Consumer Protection
Page 13 of 17
Department of Transportation
1200 New Jersey Avenue SE
Washington, DC 20590
4. Creditors Subject to the Surface
Transportation Board
Office of Public Assistance, Governmental Affairs, 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 Office
6. Small Business Investment Companies Associate Administrator, Office 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
NEW YORK CORRECTION LAW
ARTICLE 23-A
LICENSURE AND EMPLOYMENT OF PERSONS PREVIOUSLY
CONVICTED OF ONE OR MORE CRIMINAL OFFENSES
Section 750. Definitions.
751. Applicability.
752. Unfair discrimination against persons previously convicted of one or more criminal offenses prohibited.
753. Factors to be considered concerning a previous criminal conviction; presumption. 754. Written statement upon denial of license or employment. 755. Enforcement.
§750. Definitions. For the purposes of this article, the following terms shall have the following meanings:
“Public agency” means the state or any local subdivision thereof, or any state or local department, agency, board or commission.
“Private employer” means any person, company, corporation, labor organization or association which employs ten or more persons.
“Direct relationship” means that the nature of criminal conduct for which the person was convicted has a direct bearing on his fitness or ability to perform one or more of the duties or responsibilities necessarily related to the license, opportunity, or job in question.
“License” means any certificate, license, permit or grant of permission required by the laws of this state, its political subdivisions or instrumentalities as a condition for the lawful practice of any occupation, Page 14 of 17
employment, trade, vocation, business, or profession. Provided, however, that "license" shall not, for the purposes of this article, include any license or permit to own, possess, carry, or fire any explosive, pistol, handgun, rifle, shotgun, or other firearm.
“Employment” means any occupation, vocation or employment, or any form of vocational or educational training. Provided, however, that “employment” shall not, for the purposes of this article, include membership in any law enforcement agency.
§751. Applicability. The provisions of this article shall apply to any application by any person for a license or employment at any public or private employer, who has previously been convicted of one or more criminal offenses in this state or in any other jurisdiction, and to any license or employment held by any person whose conviction of one or more criminal offenses in this state or in any other jurisdiction preceded such employment or granting of a license, except where a mandatory forfeiture, disability or bar to employment is imposed by law, and has not been removed by an executive pardon, certificate of relief from disabilities or certificate of good conduct. Nothing in this article shall be construed to affect any right an employer may have with respect to an intentional misrepresentation in connection with an application for employment made by a prospective employee or previously made by a current employee.
§752. Unfair discrimination against persons previously convicted of one or more criminal offenses prohibited. No application for any license or employment, and no employment or license held by an individual, to which the provisions of this article are applicable, shall be denied or acted upon adversely by reason of the individual's having been previously convicted of one or more criminal offenses, or by reason of a finding of lack of “good moral character” when such finding is based upon the fact that the individual has previously been convicted of one or more criminal offenses, unless: There is a direct relationship between one or more of the previous criminal offenses and the specific license or employment sought or held by the individual; or The issuance or continuation of the license or the granting or continuation of the employment would involve an unreasonable risk to property or to the safety or welfare of specific individuals or the general public.
§753. Factors to be considered concerning a previous criminal conviction; presumption. In making a determination pursuant to section seven hundred fifty-two of this chapter, the public agency or private employer shall consider the following factors: The public policy of this state, as expressed in this act, to encourage the licensure and employment of persons previously convicted of one or more criminal offenses. The specific duties and responsibilities necessarily related to the license or employment sought or held by the person.
The bearing, if any, the criminal offense or offenses for which the person was previously convicted will have on his fitness or ability to perform one or more such duties or responsibilities. The time which has elapsed since the occurrence of the criminal offense or offenses. The age of the person at the time of occurrence of the criminal offense or offenses. The seriousness of the offense or offenses.
Any information produced by the person, or produced on his behalf, in regard to his rehabilitation and good conduct.
The legitimate interest of the public agency or private employer in protecting property, and the safety and welfare of specific individuals or the general public. In making a determination pursuant to section seven hundred fifty-two of this chapter, the public agency or private employer shall also give consideration to a certificate of relief from disabilities or a certificate of good conduct issued to the applicant, which certificate shall create a presumption of rehabilitation in regard to the offense or offenses specified therein.
§754. Written statement upon denial of license or employment. At the request of any person previously convicted of one or more criminal offenses who has been denied a license or employment, a public agency or private employer shall provide, within thirty days of a request, a written statement setting forth the reasons for such denial.
§755. Enforcement.
In relation to actions by public agencies, the provisions of this article shall be enforceable by a proceeding brought pursuant to article seventy-eight of the civil practice law and rules. Page 15 of 17
In relation to actions by private employers, the provisions of this article shall be enforceable by the division of human rights pursuant to the powers and procedures set forth in article fifteen of the executive law, and, concurrently, by the New York city commission on human rights. Massachusetts Consumers Have the Right to Obtain a Security Freeze 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. There is no fee, however, if you have been turned down for credit, employment, insurance, or rental dwelling because of information in your credit report within the preceding sixty days. The consumer credit reporting agency must provide someone to help you interpret the information in your credit file. Each calendar year you are entitled to receive, upon request, one free consumer credit report.
You have a right to dispute inaccurate information by contacting the consumer reporting agency directly, either in writing or by telephone. The consumer reporting agency shall provide, upon request and without unreasonable delay, a live representative of the consumer reporting agency to assist in dispute resolution whenever possible and practicable, or to the extent consistent with federal law. 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. In most cases, under state and federal law, the consumer credit reporting agency must remove accurate, negative information from your report only if it is over seven years old, and must remove bankruptcy information only if it is over ten years old.
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 thirty 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 a dispute should be given to the consumer credit reporting agency. If reinvestigation does not resolve the dispute to your satisfaction, you may send a 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 the 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 the six months preceding your request, or two years in the case of a credit report used for employment purposes. This record shall include the recipients of any consumer credit report. You have the right to opt out of any prescreening lists compiled by or with the assistance of a consumer credit reporting agency by calling the agency's toll-free telephone number, or by contacting the agency through electronic communication or in writing. You may be entitled to collect compensation, in certain circumstances, if you are damaged by a person's negligent or intentional failure to comply with the credit reporting act.
You have a right to request a "security freeze" on your consumer report. The security freeze will prohibit a consumer reporting agency from releasing any information in your consumer report without your express authorization. A security freeze shall be
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