Dispute Resolution Direct Care
Resume:
Order # 185******* Ramey, Stacey Michelle
Order Status: Complete (Archived)
Order Result: LEVEL1
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
CL NC CONOVER
Account Location
RALEIGH, NC
Billing Code
1761-89519
Created Date
2024-08-12
Completed Date
2024-08-13
Screening Package
CL NC Direct Care No
License- W/O reference, CL
NC Direct Care No License-
W/O reference Alias
Candidate Information
Page 1 of 23
JOB TITLE
—
First Name
Stacey
Middle Name
Michelle
Last Name
Ramey
Address
111 springwood rd
Grover, NC 28073
Phone
stacey.ramey71373@gmail.
com
Search Identifier Status Result
SSN Trace XXX-XX-6261 Complete COMPLETE
County Court Search Hathon, Stacey M, TN-JEFFERSON Complete LEVEL1 County Court Search Ramey, Stacey Michelle, TN-JEFFERSON Complete LEVEL1 County Court Search Ramey, Stacey Michelle, NC-CLEVELAND Complete LEVEL1 County Court Search Ladd, Stacey M, NC-CLEVELAND Complete LEVEL1 County Court Search Ladd, Stacey M, TN-JEFFERSON Complete LEVEL1 County Court Search Ramey, Elizabeth, TN-JEFFERSON Complete LEVEL1 County Court Search Hathon, Stacey M, NC-CLEVELAND Complete LEVEL1 County Court Search Ramey, Elizabeth, NC-CLEVELAND Complete LEVEL1 Enhanced Nationwide Criminal
Search (7 year)
Ramey, Stacey Michelle Complete CLEAR
Enhanced Nationwide Criminal
Search (7 year)
Ladd, Stacey M Complete CLEAR
Enhanced Nationwide Criminal
Search (7 year)
Ramey, Elizabeth Complete CLEAR
Enhanced Nationwide Criminal
Search (7 year)
Hathon, Stacey M Complete CLEAR
State Search
Ramey, Stacey Michelle, NC-North Carolina
Court System
Complete LEVEL1
Locator Select Hathon, Stacey M Complete CLEAR
Locator Select Ramey, Elizabeth Complete CLEAR
Locator Select Ladd, Stacey M Complete CLEAR
Locator Select Ramey, Stacey Michelle Complete CLEAR Drivers Record Ramey, Stacey Michelle, NC-000********* Complete LEVEL1 HealthCare - Nurse Aide Abuse
Registry
Ramey, Stacey Michelle, NC-Dept. Health-
Nurse Aide
Complete LEVEL1
FACIS L1M Ramey, Stacey Michelle Complete LEVEL1
FACIS L1M Hathon, Stacey M Complete LEVEL1
Report Summary
Page 2 of 23
Search Identifier Status Result
FACIS L1M Ladd, Stacey M Complete LEVEL1
FACIS L1M Ramey, Elizabeth Complete LEVEL1
DOJ Sex Offender Search Ramey, Elizabeth Complete LEVEL1 DOJ Sex Offender Search Ramey, Stacey Michelle Complete LEVEL1 DOJ Sex Offender Search Ladd, Stacey M Complete LEVEL1 DOJ Sex Offender Search Hathon, Stacey M Complete LEVEL1 Client Matrix Application
Ramey, Stacey Michelle, Client Matrix
Application
Complete COMPLETE
Death Master File Search Ramey, Stacey Michelle, XXX-XX-6261 Complete COMPLETE Data As Provided
Reported Data
SSN Trace—XXX-XX-6261 COMPLETE
SSN XXX-XX-6261
Last Name Ramey
First Name Stacey
Middle Name Michelle
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: 2024-08-12 Report completed on: 2024-08-12 Name Ramey, Stacey Michelle
SSN XXX-XX-6261
Data As Provided Verified Data
County Court Search—Hathon, Stacey M, TN-JEFFERSON LEVEL1 Last Name HATHON
First Name STACEY
Middle
Name
M
Report requested on: 2024-08-12
Report completed on: 2024-08-12
Page 3 of 23
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Gender Unknown
Jurisdiction TN-JEFFERSON (2556)
Data As Provided Verified Data
County Court Search—Ramey, Stacey Michelle, TN-JEFFERSON LEVEL1 Last Name Ramey
First Name Stacey
Middle
Name
Michelle
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Gender Unknown
Jurisdiction TN-JEFFERSON (2556)
Report requested on: 2024-08-12
Report completed on: 2024-08-13
Data As Provided Verified Data
County Court Search—Ramey, Stacey Michelle, NC-CLEVELAND LEVEL1 Last Name Ramey
First Name Stacey
Middle
Name
Michelle
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Gender Unknown
Jurisdiction NC-CLEVELAND (1681)
Report requested on: 2024-08-12
Report completed on: 2024-08-12
County Court Search—Ladd, Stacey M, NC-CLEVELAND LEVEL1 Page 4 of 23
Data As Provided Verified Data
Last Name LADD
First Name STACEY
Middle
Name
M
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Gender Unknown
Jurisdiction NC-CLEVELAND (1681)
Report requested on: 2024-08-12
Report completed on: 2024-08-12
Data As Provided Verified Data
County Court Search—Ladd, Stacey M, TN-JEFFERSON LEVEL1 Last Name LADD
First Name STACEY
Middle
Name
M
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Gender Unknown
Jurisdiction TN-JEFFERSON (2556)
Report requested on: 2024-08-12
Report completed on: 2024-08-13
Data As Provided Verified Data
County Court Search—Ramey, Elizabeth, TN-JEFFERSON LEVEL1 Last Name RAMEY
First Name ELIZABETH
Middle
Name
Not Provided
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Report requested on: 2024-08-12
Report completed on: 2024-08-13
Page 5 of 23
Gender Unknown
Jurisdiction TN-JEFFERSON (2556)
Data As Provided Verified Data
County Court Search—Hathon, Stacey M, NC-CLEVELAND LEVEL1 Last Name HATHON
First Name STACEY
Middle
Name
M
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Gender Unknown
Jurisdiction NC-CLEVELAND (1681)
Report requested on: 2024-08-12
Report completed on: 2024-08-12
Data As Provided Verified Data
County Court Search—Ramey, Elizabeth, NC-CLEVELAND LEVEL1 Last Name RAMEY
First Name ELIZABETH
Middle
Name
Not Provided
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Gender Unknown
Jurisdiction NC-CLEVELAND (1681)
Report requested on: 2024-08-12
Report completed on: 2024-08-12
Data As Provided Verified Data
Enhanced Nationwide Criminal Search (7 year)—Ramey, Stacey Michelle CLEAR Last Name Ramey Report requested on: 2024-08-12
Report completed on: 2024-08-12
Page 6 of 23
First Name Stacey
Middle
Name
Michelle
SSN XXX-XX-6261
DOB 1973-07-13
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 verified results can be found under the header of the appropriate jurisdiction on this report.
Data As Provided Verified Data
Enhanced Nationwide Criminal Search (7 year)—Ladd, Stacey M CLEAR Last Name LADD
First Name STACEY
Middle
Name
M
SSN XXX-XX-6261
DOB 1973-07-13
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 verified results can be found under the header of the appropriate jurisdiction on this report.
Report requested on: 2024-08-12
Report completed on: 2024-08-12
Data As Provided Verified Data
Enhanced Nationwide Criminal Search (7 year)—Ramey, Elizabeth CLEAR Last Name RAMEY
First Name ELIZABETH
Middle
Name
Not Provided
SSN XXX-XX-6261
Report requested on: 2024-08-12
Report completed on: 2024-08-12
Page 7 of 23
DOB 1973-07-13
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 verified results can be found under the header of the appropriate jurisdiction on this report.
Data As Provided Verified Data
Enhanced Nationwide Criminal Search (7 year)—Hathon, Stacey M CLEAR Last Name HATHON
First Name STACEY
Middle
Name
M
SSN XXX-XX-6261
DOB 1973-07-13
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 verified results can be found under the header of the appropriate jurisdiction on this report.
Report requested on: 2024-08-12
Report completed on: 2024-08-12
State Search—Ramey, Stacey Michelle, NC-North Carolina Court System LEVEL1 Page 8 of 23
Data As Provided Verified Data
Last Name Ramey
First Name Stacey
Middle
Name
Michelle
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Gender Unknown
Jurisdiction NC-North Carolina Court System (3274) Report requested on: 2024-08-12
Report completed on: 2024-08-12
Data As Provided Verified Data
Locator Select—Hathon, Stacey M CLEAR
Last Name HATHON
First Name STACEY
Middle
Name
M
SSN XXX-XX-6261
DOB 1973-07-13
State NC
Zip Code 28073
License
Number
License
State
NC
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: 2024-08-12
Report completed on: 2024-08-12
Data As Provided Verified Data
Locator Select—Ramey, Elizabeth CLEAR
Last Name RAMEY
Page 9 of 23
First Name ELIZABETH
Middle
Name
Not Provided
SSN XXX-XX-6261
DOB 1973-07-13
State NC
Zip Code 28073
License
Number
License
State
NC
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: 2024-08-12
Report completed on: 2024-08-12
Data As Provided Verified Data
Locator Select—Ladd, Stacey M CLEAR
Last Name LADD
First Name STACEY
Middle
Name
M
SSN XXX-XX-6261
DOB 1973-07-13
State NC
Zip Code 28073
License
Number
License
State
NC
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: 2024-08-12
Report completed on: 2024-08-12
Page 10 of 23
Data As Provided Verified Data
Locator Select—Ramey, Stacey Michelle CLEAR
Last Name Ramey
First Name Stacey
Middle
Name
Michelle
SSN XXX-XX-6261
DOB 1973-07-13
State NC
Zip Code 28073
License
Number
License
State
NC
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: 2024-08-12
Report completed on: 2024-08-12
Data As Provided Verified Data
Drivers Record—Ramey, Stacey Michelle, NC-000********* LEVEL1 Last Name Ramey
First Name Stacey
Middle
Name
Michelle
DOB 1973-07-13
Gender Unknown
License
Number
State NC-DEPT MOTOR VEHICLES (3398)
Last Name
on License
Ramey
First Name
on License
Stacey
Report requested on: 2024-08-12
Report completed on: 2024-08-12
License
Number
—
Last Name RAMEY
First Name STACEY
Middle
Name
MICHELLE
DOB 1973-07-13
Age 51
Country US
Page 11 of 23
Licenses
Middle
Name on
License
Michelle 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
C
License
Status
Valid
Original
Issue Date
2024-07-29
Issue Date 2024-07-29
Expiration
Date
2032-07-13
Country US
License
Number
State NC
License
Type
PERSONAL
Restrictions CORRECTIVE LENSES
Points 0
Additional
License
Informatio
n
LicenseClassDescription: SINGLE VEH <
26K
Age —
Country US
License
Number
086407833
State TN
Data As Provided Verified Data
HealthCare - Nurse Aide Abuse Registry—Ramey, Stacey Michelle, NC-Dept. Health- Nurse Aide
LEVEL1
Last Name Ramey Report requested on: 2024-08-12
Report completed on: 2024-08-12
Page 12 of 23
First Name Stacey
Middle
Name
Michelle
DOB 1973-07-13
SSN XXX-XX-6261
Registry
Type
Future Employment State
Issuing State NC-Dept. Health-Nurse Aide (9591)
License
Number
Not Provided
Comments The individual could not be found in the
North Carolina Nurse Aide Registry.
Data As Provided Verified Data
FACIS L1M—Ramey, Stacey Michelle LEVEL1
Last Name Ramey
First Name Stacey
Middle
Name
Michelle
DOB 1973-07-13
SSN XXX-XX-6261
License
Number
—
FACIS Level FACIS-L1M (4743)
Report requested on: 2024-08-12
Report completed on: 2024-08-12
Search
Description
FACIS-L1M : The FACIS Level 1M sanctions
and exclusions search typically includes
OIG LEIE, GSA/SAM EPLS, DEA, FDA,
TRICARE, OFAC SDN, Medicare Opt-Out,
and other 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 Verified Data
FACIS L1M—Hathon, Stacey M LEVEL1
Last Name HATHON
First Name STACEY
Middle
Name
M
DOB 1973-07-13
SSN XXX-XX-6261
License
Number
—
FACIS Level FACIS-L1M (4743)
Report requested on: 2024-08-12
Report completed on: 2024-08-12
Page 13 of 23
Search
Description
FACIS-L1M : The FACIS Level 1M sanctions
and exclusions search typically includes
OIG LEIE, GSA/SAM EPLS, DEA, FDA,
TRICARE, OFAC SDN, Medicare Opt-Out,
and other 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 Verified Data
FACIS L1M—Ladd, Stacey M LEVEL1
Last Name LADD
First Name STACEY
Middle
Name
M
DOB 1973-07-13
SSN XXX-XX-6261
License
Number
—
FACIS Level FACIS-L1M (4743)
Report requested on: 2024-08-12
Report completed on: 2024-08-12
Search
Description
FACIS-L1M : The FACIS Level 1M sanctions
and exclusions search typically includes
OIG LEIE, GSA/SAM EPLS, DEA, FDA,
TRICARE, OFAC SDN, Medicare Opt-Out,
and other 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 Verified Data
FACIS L1M—Ramey, Elizabeth LEVEL1
Last Name RAMEY
First Name ELIZABETH
Middle
Name
Not Provided
DOB 1973-07-13
SSN XXX-XX-6261
License
Number
—
FACIS Level FACIS-L1M (4743)
Report requested on: 2024-08-12
Report completed on: 2024-08-12
Search
Description
FACIS-L1M : The FACIS Level 1M sanctions
and exclusions search typically includes
OIG LEIE, GSA/SAM EPLS, DEA, FDA,
TRICARE, OFAC SDN, Medicare Opt-Out,
and other 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
Page 14 of 23
Data As Provided Verified Data
DOJ Sex Offender Search—Ramey, Elizabeth LEVEL1
Last Name RAMEY
First Name ELIZABETH
Middle
Name
Not Provided
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Gender Unknown
Report requested on: 2024-08-12
Report completed on: 2024-08-12
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
DOJ Sex Offender Search—Ramey, Stacey Michelle LEVEL1 Last Name Ramey
First Name Stacey
Middle
Name
Michelle
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Gender Unknown
Report requested on: 2024-08-12
Report completed on: 2024-08-12
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.
Page 15 of 23
Data As Provided Verified Data
DOJ Sex Offender Search—Ladd, Stacey M LEVEL1
Last Name LADD
First Name STACEY
Middle
Name
M
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Gender Unknown
Report requested on: 2024-08-12
Report completed on: 2024-08-12
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
DOJ Sex Offender Search—Hathon, Stacey M LEVEL1
Last Name HATHON
First Name STACEY
Middle
Name
M
SSN XXX-XX-6261
DOB 1973-07-13
Race Unknown
Gender Unknown
Report requested on: 2024-08-12
Report completed on: 2024-08-12
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.
Page 16 of 23
Data As Provided Verified Data
Client Matrix Application—Ramey, Stacey Michelle, Client Matrix Application COMPLETE Last Name Ramey
First Name Stacey
Middle
Name
Michelle
Report requested on: 2024-08-12
Report completed on: 2024-08-12
Data As Provided Verified Data
Death Master File Search—Ramey, Stacey Michelle, XXX-XX-6261 COMPLETE SSN XXX-XX-6261
Last Name Ramey
First Name Stacey
Middle
Name
Michelle
Report requested on: 2024-08-12
Report completed on: 2024-08-12
The Death Master File search has checked the SSN against death records, including the Social Security
Administration Death Master File. This search is not conducted through the SSA and should not be used for an employment decision.
Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street NW, 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 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; Required Notices
Page 17 of 23
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 18 of 23
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
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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
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