Dispute Resolution Report
Resume:
Order # 185******* Burns, Jennifer Rochelle
Order Status: Complete (Archived)
Order Result: PASSED
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 Candidate Information
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Account Name
BURLINGTON COAT
FACTORY WAREHOUSE
CORPORATION
Account Location
BURLINGTON,, NJ
Billing Code
100531
Created Date
2024-10-11
Completed Date
2024-10-13
Screening Package
Corp Hourly & Store
Associates
First Name
Jennifer
Middle Name
Rochelle
Last Name
Burns
Address
8406 Ellery Drive
Dallas, TX 75243
Phone
jennifer.r.burns1980@gmai
l.com
Search Identifier Status Result
SSN Trace XXX-XX-6241 Complete COMPLETE
DOJ Sex Offender Search Burns, Jennifer Rochelle Complete PASSED Client Matrix Application
Burns, Jennifer Rochelle, Client Matrix
Application
Complete COMPLETE
Enhanced Nationwide Criminal
Search
Burns, Jennifer Rochelle Complete CLEAR
Report Summary
Data As Provided
Reported Data
SSN Trace—XXX-XX-6241 COMPLETE
SSN XXX-XX-6241
Last Name Burns
First Name Jennifer
Middle Name Rochelle
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: 2024-10-13 Report completed on: 2024-10-13 Name Burns, Jennifer Rochelle
SSN XXX-XX-6241
Data As Provided Verified Data
DOJ Sex Offender Search—Burns, Jennifer Rochelle PASSED Page 2 of 10
Last Name Burns
First Name Jennifer
Middle
Name
Rochelle
SSN XXX-XX-6241
DOB XXXX-10-29
Race Unknown
Gender Unknown
Report requested on: 2024-10-13
Report completed on: 2024-10-13
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
Client Matrix Application—Burns, Jennifer Rochelle, Client Matrix Application COMPLETE Last Name Burns
First Name Jennifer
Middle
Name
Rochelle
Report requested on: 2024-10-13
Report completed on: 2024-10-13
Data As Provided Verified Data
Enhanced Nationwide Criminal Search—Burns, Jennifer Rochelle CLEAR Last Name Burns
First Name Jennifer
Middle
Name
Rochelle
SSN XXX-XX-6241
DOB XXXX-10-29
Race Unknown
Gender Unknown
Report requested on: 2024-10-13
Report completed on: 2024-10-13
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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.
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; 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 Required Notices
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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 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
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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
A Summary of Your Rights
Under New Jersey s Fair Credit Reporting Act
Under the New Jersey Fair Credit Reporting Act (NJFCRA or the "Act"), an employer, before taking adverse employment action, is required to provide the applicant or employee with a summary of their rights under the Act with respect to consumer reports or investigative consumer reports obtained for employment purposes from a consumer reporting agency (CRA). This Summary is intended to serve that purpose.
You can find the complete text of the NJCRA, N.J. Stat. §§56:11-29 56:11-41, at the New Jersey State Legislature s web site (http://www.njleg.state.nj.us/). You may have additional rights under the federal Fair Credit Reporting Act, 15 U.S.C. 1681-1681u, which is available on the Internet at the Federal Trade Commission s website (http://www.ftc.gov).
• You must consent to the procurement for employment purposes of a report about you. Before an employer can obtain a report about you from a CRA, the employer must provide you with notice that it will request the report and obtain your consent to that request. A CRA may not give out information about you to the employer, or prospective employer, without your written consent.
• You must be told if information in your file has been used against you for employment purposes. An employer who uses information from a consumer or investigative consumer report to take action against you -- such as denying an application for employment or terminating employment -- must tell you that its decision is based in whole or in part on the report. The employer also must provide you with a description of your rights under the NJCRA and a reasonable opportunity to dispute with the CRA any information on which the employer relied.
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• You have a right to know what is in your file. You may request and obtain all the information about you in the file of a CRA and a list of everyone who has recently requested your file. These disclosures may be made in person, over the telephone or by any other reasonable method available to the CRA. Additionally, you are entitled to one free consumer report every 12 months, upon request. You may be charged a limited fee for a second or subsequent report requested by you during a 12 month period.
• You have a right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and you notify the consumer reporting agency directly of the dispute, the CRA will reinvestigate without charge and record the current status of the disputed information before the end of thirty business days, unless your dispute is frivolous or irrelevant. The CRA must give you a written report of the investigation.
• Consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable information. Upon completion of the reinvestigation, if the information you disputed is found to be inaccurate or cannot be verified, the CRA will delete the information within 30 days after you dispute it and notify you of the correction. If the reinvestigation does not resolve your dispute, you may file with the CRA a brief statement setting forth the nature of your dispute. The statement will be placed in your consumer file and in any subsequent report containing the information you disputed.
• Consumer reporting agencies may not report outdated negative information. In most cases, a CRA may not report negative information that is more than seven years old, or bankruptcies that are more than ten years old.
• You may place a security freeze on your credit report. A security freeze prevents your credit file from being shared with potential creditors or insurance companies. You may request a security freeze by contacting by calling the following toll-free telephone number(s): TransUnion: 888-***-****, Experian: 888-***-****, Equifax: 800-***-**** (NY residents please call 1-800-***-****). TransUnion, Experian and Equifax can also be reached at the following addresses: TransUnion LLC
P.O. Box 2000
Chester, PA 19016
https://freeze.transunion.com
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
https://www.experian.com/freeze
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
https://www.equifax.com/personal/credit-report-services/credit-freeze A fee may be charged for providing this service.
• You may seek damages from violators. If a CRA, or in some cases, a user of consumer reports or a furnisher of information to a CRA violates the NJFCRA, you may be able to sue in state court. COMPLAINTS
DIVISION OF CONSUMER AFFAIRS
Department of Law and Public Safety
124 Halsey Street
Newark, NJ 07102
Phone: 800-***-****
Texas Consumers Have the Right to Obtain a Security Freeze Any written disclosure to a consumer by a consumer reporting agency under this chapter must include a written statement that explains in clear and simple language the consumer's rights under this chapter, such as the process for receiving a consumer report or consumer file, the process for requesting or removing a security alert or freeze, the toll-free telephone number for requesting a security alert, applicable fees, dispute procedures, the process for correcting a consumer file or report, and information on a consumer's right to bring an action in court or arbitrate a dispute Page 8 of 10
Notification of Rights for Texas Consumers
The Texas Business and Commerce Code requires that consumer reporting agencies provide Texas consumers notice of their rights with any written disclosure. You have the right to obtain a copy of your background report from Sterling Infosystems, Inc.
("STERLING") by completing a form online at https://www.sterlingcheck.com/resources/candidate- faqs/, by calling 800-***-****, or by writing to us at 6150 Oak Tree Boulevard, Suite 490, Independence, OH 44131. If you write to us, always include your full name including middle initial
(and generation such as JR, SR, II, Ill); full current mailing address; date of birth (month/date/year); Social Security Number; and a phone number where you can be contacted. >Please include one copy of a government issued identification card (driver's license, state ID card, military ID card, etc.) and one copy of a recent utility bill, bank or insurance statement, etc. Ensure that each copy is legible, displays your name and current mailing address, and the date of issue. Please send copies of any documents you wish to provide to us and always retain your original documents. STERLING may request additional documentation to verify your identity. You have the right to dispute information in your background report that you do not recognize or that you believe is inaccurate. You may request an investigation of the disputed item online at *******.**********@*************.***, by calling 888-***-****, or by writing to us at 6150 Oak Tree Boulevard, Suite 490, Independence, OH 44131.Please specify what information you believe to be inaccurate and the reason why you believe the information may be inaccurate. STERLING will conduct a thorough investigation within 30 days and then notify the consumer of the results of the investigation. If additional information is received from the consumer that is relevant to the investigation during the 30 day timeframe, an additional 15 days may be taken. Only inaccurate information may be removed from your file.
You have a right to place a fraud security alert statement on your credit report that alerts anyone who reviews your credit information that your identity may have been used without your consent and requests that the reviewer verify your identity before issuing credit. You also have a right to place a "security freeze" on your credit report, which will prohibit a consumer reporting agency from releasing any information in your credit report without your express authorization, except to those with whom you have an existing account or a collection agency acting on behalf of the existing account, for purposes of reviewing (account maintenance, monitoring, credit line increases and account upgrades and enhancements) or collecting the account. Your information may be used for the purposes of prescreening as provided for by the federal Fair Credit Reporting Act, even if a security freeze is on the report. A security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent; however, using a security freeze may delay, interfere with, or prohibit the timely approval of any subsequent requests or applications regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, including an extension of credit at point of sale.
In order to request or remove a fraud security alert or freeze, you will need to contact one of the three credit reporting agencies listed below:
Experian
P.O. Box 9554
Allen, TX 75013
www.experian.com
Equifax
P.O. Box 105788
Atlanta, GA 30348
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www.equifax.com
Trans Union
P.O. Box 6790
Fullerton, CA 92834
www.transunion.com
The credit reporting agencies establish the fees associated with initiating and removing security freezes and alerts. If you have any questions about contacting any of these credit reporting agencies, you can contact Sterling Infosystems at 800-***-**** for assistance. Texas consumers have a right to file action in court to enforce an obligation of a consumer reporting agency. In the alternative, if agreed to by both parties, after the consumer has followed the normal dispute procedures and received a notice of the results of the investigation, the matter may be submitted to binding arbitration in the manner provided by the rules of the American Arbitration Association.
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