By signing below, I agree that I have carefully read the Consumer Report Disclosure under the Federal Fair Credit Reporting Act and I consent to Insight Global obtaining a consumer report and an investigative consumer report about me for employment purposes. I agree that any consumer report or investigative consumer report (including criminal history) may be provided by Insight Global to the client for whom I may be engaged or employed. I also acknowledge that, to the extent Insight Global hires me, this authorization shall remain in effect throughout my employment/engagement, with no need to request a subsequent authorization, where permitted by law.
FEDERAL FAIR CREDIT REPORTING ACT
DISCLOSURE TO FOLLOW
CONSUMER REPORT DISCLOSURE
UNDER THE FEDERAL FAIR CREDIT REPORTING ACT
PLEASE TAKE NOTICE THAT INSIGHT GLOBAL WILL OBTAIN A CONSUMER REPORT ON YOU FOR EMPLOYMENT PURPOSES.
Insight Global, LLC or one of its subsidiary or affiliate corporations (collectively referred to herein as "Insight Global") may obtain a consumer report on you for employment purposes. A consumer report under the Fair Credit Reporting Act ("FCRA") is the communication of any information by a consumer reporting agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used in establishing the consumer's eligibility for employment. The report may also contain information about you relating to your criminal history, credit history, driving and/or motor vehicle records, education or employment history, or other background checks.
In addition, Insight Global may obtain an investigative consumer report on you that includes information as to your character, general reputation, personal characteristics, and mode of living obtained through personal interviews with your neighbors, friends or associates. You have the right to request a disclosure from Insight Global regarding the nature and scope of the investigation requested, to the extent an investigative consumer report is obtained on you and as long as your request is made in writing and within a reasonable amount of time after receiving this disclosure. In addition, you have the right to request the written summary of the rights of the consumer prepared pursuant to section 609(c) of the FCRA, which is being provided.
THE FEDERAL FAIR CREDIT REPORTING ACT (FCRA)
AUTHORIZATION IS FOUND AT THE END OF THIS PACKET.
IN ADDITION TO A SUMMARY OF YOUR RIGHTS UNDER
THE FCRA, IMPORTANT ADDITIONAL SUMMARY OF
RIGHTS AND STATE LAW DISCLOSURES FOLLOW.
Para información en español, visite www.consumerfinance.gov/learnmoreo escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington DC 20552. Authorization
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/learnmoreor 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:
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 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 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: TYPE OF BUSINESS: CONTACT:
a. Banks, savings associations, and credit unions
with total assets of over $10 billion and their
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 – FCRA
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
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
c. Nonmember Insured Banks, Insured State
Branches of Foreign Banks, and insured state
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 PO Box
Minneapolis, MN 55480
c. FDIC Consumer Response Center 1100 Walnut
St., Box #11
Kansas City, MO 64106
d. National Credit Union Administration Office of
Consumer Protection (OCP) Division of Consumer
Compliance and Outreach (DCCO) 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 Surface Transportation Board Office of Proceedings, Surface Transportation
Board Department of Transportation 395 E Street,
S.W. Washington, DC 20423
5. Creditors Subject to 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, SW, 8th
Floor Washington, DC 20416
Please take notice that an investigative consumer report may be obtained on you for employment purposes. This report may include information on your character, general reputation, personal characteristics, and mode of living. The report may extend to information such as criminal history, social security verifications, education history, driving history, and employment history. The report, if any, will be procured from our consumer reporting agency ("CRA"), First Advantage, P.O. Box 105292, Atlanta, Georgia 30348, 1-800- 845-6004. Information about First Advantage's privacy practices can be reviewed at: http://www.fadv.com/Privacy-Policy.aspx.
Pursuant to § 1786.22 of the California Civil Code, you may view the file maintained on you by First Advantage during normal business hours and on reasonable notice. You may also make a visual inspection of the file on you by appearing in person at First Advantage's office and by furnishing proper identification. A copy of your file shall also be available for a fee not to exceed the actual costs of duplication. In addition, you may obtain a copy of your file by certified mail if you submit a written request, with proper identification, for copies to be sent to a specific addressee. Further, you may also receive a summary of the file by telephone after providing a written request and proper identification for telephone disclosure, if the charge for the telephone call is prepaid by you or charged directly to you.
"Proper Identification" refers to information generally deemed sufficient to identify you, including documents such as a valid driver's license, social security account number, military identification card, or credit cards. First Advantage may require additional information concerning your employment and personal or family history to verify your identity if you are unable to reasonably identify yourself with the information described above.
First Advantage has trained personnel available to explain your file to you, including coded information, and will provide a written explanation of any coded information contained in your file. If you appear in person, you may be accompanied by one other person of your choosing, who shall furnish reasonable identification. First Advantage may require you to furnish a written statement granting it permission to discuss your file in that person's presence.
*IF YOU WISH TO RECEIVE A COPY OF ANY REPORT THAT IS PREPARED ON YOU, PLEASE CHECK THE BOX ON YOUR CANDIDATE PROFILE THAT INDICATES YOU WOULD LIKE TO RECEIVE A COPY* 7. Brokers and Dealers
Securities and Exchange Commission 100 F Street,
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
9. Retailers, Finance Companies, and All Other
Creditors Not Listed Above
FTC Regional Office for region in which the creditor operates or Federal Trade Commission: Consumer
Response Center - FCRA
Washington, DC 20580 877-***-****
Solicitantes de California
Por favor tome en cuenta que un informe de investigación del consumidor se puede obtener sobre usted para propósitos de empleo. Este informe puede incluir información sobre su carácter, reputación general, características personales y modo de vida. El informe puede extenderse a información como antecedentes penales, verificaciones de la seguridad social, historial educativo, historial de conducción e historial de empleo. El informe, en su caso, se obtendrá de nuestra agencia de informes del consumidor, First Advantage, P.O. Box 105292, Atlanta, Georgia 30348, 1-800-***-****. La información sobre las prácticas de privacidad de First Advantage se puede revisar en: http://www.fadv.com/Privacy-Policy.aspx. De acuerdo con § 1786.22 del Código Civil de California, usted puede ver su archivo obtenido por First Advantage durante el horario normal y con aviso razonable. También puede realizar una inspección visual del archivo de usted en persona en las oficinas de First Advantage y proporcionando la identificación apropiada. Una copia del archivo también estará disponible por una tarifa que no debe exceder los costos reales de la duplicación. Además, puede obtener una copia de su archivo por correo certificado si usted envía una solicitud por escrito, con identificación apropiada, para que se envíen copias a una dirección específica. Además, también puede recibir un resumen del archivo por teléfono después de proporcionar una solicitud escrita y correcta identificación para divulgación del teléfono, si el cargo por la llamada telefónica es pagado por usted o se carga directamente a usted.
"Identificación Correcta" se refiere a información generalmente considerada suficiente para identificarle, incluyendo documentos como una licencia de conducir válida, número de cuenta de seguridad social, tarjeta de identificación militar o tarjetas de crédito. First Advantage puede requerir información adicional sobre su empleo y antecedentes personales o familiares para verificar su identidad si usted no puede identificarse razonablemente con la información descrita anteriormente. First Advantage tiene personal capacitado disponible para explicarle su expediente, incluyendo información codificada, y proporcionará una explicación por escrito de cualquier información codificada contenida en su archivo.
Si usted se presenta en persona, puede estar acompañado por otra persona de su elección, que deberá proporcionar una identificación razonable. First Advantage puede requerir que presente una declaración por escrito otorgándole permiso para discutir su expediente en presencia de esa persona.
*SI DESEA RECIBIR UNA COPIA DE CUALQUIER INFORME QUE TENGA PREPARADO, MARQUE LA CASILLA EN SU PERFIL DE CANDIDATO QUE INDIQUE QUE DESEA RECIBIR UNA COPIA* For Massachusetts and New Jersey Applicants: If an investigative consumer report is procured on you, which commonly includes information as to a consumer's character, general reputation, personal characteristics, and mode of living, and, in this instance may include information regarding your prior work and education history and information obtained through interviews with your personal or professional references, you have the right to have a copy of that report upon request to a third-party consumer reporting agency.
*IF YOU WISH TO RECEIVE A COPY OF ANY REPORT THAT IS PREPARED ON YOU, PLEASE CHECK THE BOX ON YOUR CANDIDATE PROFILE THAT INDICATES YOU WOULD LIKE TO RECEIVE A COPY* 1.
For Minnesota Applicants: A consumer report on you may be obtained or caused to be prepared. You have the right to request additional information on the nature and scope of the report by making a written request to a third-party consumer reporting agency. If an investigative consumer report is procured on you, it may include information obtained through personal interviews regarding your character, general reputation, personal characteristics, or mode of living.
*IF YOU WISH TO RECEIVE A COPY OF ANY REPORT THAT IS PREPARED ON YOU, PLEASE CHECK THE BOX ON YOUR CANDIDATE PROFILE THAT INDICATES YOU WOULD LIKE TO RECEIVE A COPY*
For Oklahoma Applicants: A consumer report will be procured for employment purposes.
*IF YOU WISH TO RECEIVE A COPY OF ANY REPORT THAT IS PREPARED ON YOU, PLEASE CHECK THE BOX ON YOUR CANDIDATE PROFILE THAT INDICATES YOU WOULD LIKE TO RECEIVE A COPY*
For Washington Applicants: A consumer report and/or an investigative consumer report may be obtained on you for purposes of considering you for employment. This report may include information as to your character, general reputation, personal characteristics, and mode of living, whichever are applicable. You have a right to make a written request within a reasonable period of time after your receipt of this disclosure for a complete and accurate disclosure of the nature and scope of any investigative consumer report requested by contacting First Advantage, P.O. Box 105292, Atlanta, Georgia 30348, 1-800-***-****. You also have a right to request a written summary of the rights and remedies under the Washington Fair Credit Reporting Act.
For New York Applicants: A consumer report and/or an investigative consumer report may be requested in connection with your application for employment. You have the right, upon a request, to be informed whether or not a consumer report was requested and, if such a report was requested, informed of the name and address of the consumer reporting agency that furnished the report. You also have the right, upon written request, to be informed whether or not an investigative consumer report was requested and, if such a report was requested, to be informed of the name and address of the consumer reporting agency to which the request was made. You have the right to inspect and receive a copy of such report by contacting First Advantage, P.O. Box 105292, Atlanta, Georgia 30348, 1-800-***-****. In addition, you are also being provided with a copy of Article 23A of the correction law governing the licensure and employment of persons previously convicted of one or more criminal offenses.
LICENSURE AND EMPLOYMENT OF PERSONS PREVIOUSLY
CONVICTED OF ONE OR MORE CRIMINAL OFFENSES
Section 750. Definitions.
Unfair discrimination against persons previously convicted of one or more criminal offenses prohibited. Factors to be considered concerning a previous criminal conviction; presumption. Written statement upon denial of license or employment. Enforcement.
§ 750. Definitions. For the purposes of this article, the following terms shall have the following meanings:
(1) "Public agency" means the state or any local subdivision thereof, or any state or local department, agency, board or commission.
(2) "Private employer" means any person, company, corporation, labor organization or association which employs ten or more persons.
(3) "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.
(4) "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, 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.
(5) "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:
(1) 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
(2) 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. 1. 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:
(a) 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.
(b) The specific duties and responsibilities necessarily related to the license or employment sought or held by the person.
(c) 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.
(d) The time which has elapsed since the occurrence of the criminal offense or offenses.
(e) The age of the person at the time of occurrence of the criminal offense or offenses.
(f) The seriousness of the offense or offenses.
(g) Any information produced by the person, or produced on his behalf, in regard to his rehabilitation and good conduct.
(h) 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. 2. 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. 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.
Consent And Authorization
I have read and accept the terms of this online profile. First Name (Given
Last Name (Family
Country: UNITED STATES
Address 1: 39 Hayes Streey
ZIP Code/Postal Code: 22556
Date: September 18, 2019 US Eastern Time