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Services Corp Customer Assistance

Location:
Oakland, CA
Salary:
22
Posted:
October 27, 2022

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Resume:

First Advantage

P. O. Box *****

Indianapolis, IN 46209-1002

**/**/****

RONALD EPPS

*** ****** **

OAKLAND, CA 94603

Dear RONALD EPPS :

Pursuant to your request, attached is a copy of your Consumer Report that was requested by: FEDEX EXPRESS HR PA

2870 BUSINESS PARK DR BLDG D

MEMPHIS,TN,38118-1555

The results of this report are confidential and will not be distributed to any organization other than the one that originally requested it.

The report is not an indication of an acceptance or a rejection of your employment or service. If you have any questions or concerns regarding the Consumer Report or if you do not agree with the accuracy or completeness of the information, you have the right to dispute such information with First Advantage Background Services Corp by contacting: First Advantage, Consumer Disclosure Center

PO Box 105292

Atlanta, GA 30348

1-800-***-****

Sincerely,

First Advantage

Enclosures: Copy of Consumer Report

Summary of Your Rights under the Fair Credit Reporting Act Background Report

Confidential

RONALD JAMES EPPS JR

XXX-XX-XXXX

CID - 232373590

FEDEX EXPRESS HR PA

2870 BUSINESS PARK DR BLDG D

MEMPHIS, TN 38118-1555

IMPORTANT NOTICE UNDER CALIFORNIA LAW

First Advantage does not guarantee the accuracy or truthfulness of the information as to the subject of the investigation, but only that it is accurately copied from public records. Information generated as a result of identity theft, including evidence of criminal activity, may be inaccurately associated with the consumer who is the subject of this report. In California, First Advantage shall provide a consumer seeking to obtain a copy of a report or making a request to review a file, a written notice in simple, plain English and Spanish setting forth the terms and conditions of his or her right to receive all disclosures. First Advantage no garantiza la exactitud o veracidad de la información en cuanto al objeto de la investigación, sino que solamente copia la información de los archivos públicos con exactitud. La información generada a raíz del robo de identidad, incluyendo evidencia de actividad criminal, puede ser incorrectamente asociada con el consumidor objeto de este informe. El cliente está de acuerdo y certifica que al ordenar y usar este informe está en estricto cumplimiento de cualesquiera leyes o regulaciones locales, estatales y federales que sean aplicables.

Caution to Customer: Under the terms of the service agreement, this report is delivered with the understanding that the recipient client will hold the same in strict confidence and not disclose it to third parties and furthermore is to be used only for the purpose indicated in the Client's agreement for service, i.e. employment/volunteer/or resident/tenant screening purposes. This report and information provided therein is strictly confidential as it contains personal and sensitive information of the consumer/applicant/candidate/employee and must be utilized solely for the business purposes consistent with the declared purpose in the service agreement and is not to be used by the client or third parties for any other purposes. Client agrees to abide and comply with all applicable laws in connection with this report including data privacy, data protection laws and other similar applicable regulations. First Advantage is not the source of the data provided in this report in that the data is collected by First Advantage from third party data sources such as public records held in governmental databases or courthouses, schools, colleges, universities, company officials, or third party proprietary databases etc. Accordingly First Advantage does not warrant the accuracy of the information provided by those third parties and expressly disclaims any and all liability for any and all claimed losses, damages, expenses including attorney fees and costs incurred as a result of reliance upon the content of this report.

For US-based Clients or Clients obtaining reports on US residents: Client certifies that it has complied with the Fair Credit Reporting Act (FCRA) and that it has provided a clear disclosure in compliance with the FCRA to the consumer/applicant/candidate/employee and obtained consent and authorization from the consumer/applicant/candidate employee in order to receive this report. If the client intends to take adverse action based in whole or in part on the contents of this report, the client must provide the consumer with a copy of the report, a summary of consumers rights as prescribed by FCRA section 1681g(c)(3) and a copy of any applicable state law rights, if required before taking any action, wait a reasonable period of time for the consumer to dispute any inaccurate information and then can take adverse action. First Advantage has provided your company with copies of the CFPB Summary of Rights for this purpose.

For California based Clients or Clients obtaining reports on California residents: In California an investigative consumer reporting agency shall provide a consumer seeking to obtain a copy of a report or making a request to review a file, a written notice in simple, plain English and Spanish setting forth the terms and conditions of his or her right to receive all disclosures.

If you are a First Advantage

Consumer

Please contact the First Advantage Consumer Center at: 1-800-***-**** Toll Free (within the U.S.)

+1-971-***-**** Toll Number (outside the U.S.)

Or visit http://fadv.com/our-company/contact-support.aspx for local contact details First Advantage Customers Please contact the CHARLOTTE EMPLOYMENT SERVICE CENTER at:

800-***-**** (outside North America +1-971-***-****) General Consumer Information

Consumer's Name RONALD JAMES EPPS JR FedEx ID 4590870 Client Name FEDEX EXPRESS HR PA Manager Cost Center 0257703 The following consumer information was used in the production of this report: Last Name, First Name, Middle Name, SSN, Date of Birth, Address SSN XXX-XX-XXXX Address 277 WISTAR RD

OAKLAND, CA 94603

Date of Birth XX/XXX/XXXX

Other Names

Not Provided

Information Regarding this Order:

Position Applied For R0015: HANDLER (NON-

DOT) - WAREHOUSE

Date Ordered 10/Aug/2022 04:49:33 PM

Background Check

Completion Date

11/Aug/2022 11:21:03 PM Report Last Updated

on

11/Aug/2022 11:21:03 PM

Date Report Printed 11/Aug/2022 11:21:29 PM

Reporting

Label Value

Value 1 ads712@r.postjobfree.com

All timestamps represent US Eastern Time

Note that different elements were searched and completed at different times from the start of the order

- please refer to the timestamp associated with each element. First Advantage Background Report Summary

Consumer's Name RONALD JAMES EPPS JR Date Ordered: 10/Aug/2022 04:49:33 PM Background Check

Completion Date:

11/Aug/2022 11:21:03 PM

Score Result Decisional

Package Name: MEMPHIS- SIDA/USPS LOCATIONS

Package Searches Ordered Status Review Score

Social Security Verification Complete No

Social Security Verification Complete No Pass

First Advantage National Criminal File Plus Complete No First Advantage National Criminal File Plus OAKLAND, ALAMEDA, CA Complete No Eligible

Felony, Misdemeanor Or Other Complete Yes**

Felony, Misdemeanor Or Other OAKLAND, ALAMEDA, CAComplete Yes** Decisional Federal Criminal Complete No

Federal Criminal OAKLAND, ALAMEDA, CA Complete No Eligible Additional Searches Ordered

NONE

* Further review is required by the client to determine the consumer's eligibility based on background check results. Please refer to the corresponding detailed component report section for additional information.

** Further review is required by the client to determine the consumer's eligibility based on background check results. Please refer to the corresponding detailed component report section for additional information.

*** This product has been blocked from delivery due to compliance related restrictions.

Criminal Background Check to be completed after all other elements are completed as per customer's instructions for compliance with NYC Fair Chance Law. Social Security Number Validation

Note

The Social Security Number Validation is a process where the SSN is confirmed as being issued by the Social Security Administration. The Social Security Number Validation also confirms that the SSN does not belong to a deceased individual. Valid SSN? Yes State Issued CALIFORNIA

Date Issued BETWEEN 1981-1982 Reported Deceased? No Disclaimer

The results of the Social Security Number Validation do not provide a verification that the Social Security Number belongs to the Consumer of this report. Back to top

Social Security Verification Status: Complete

Score: Pass

Date Completed: 10/Aug/2022

The Social Security Number Verification (SSNV) matches the given SSN against consumer credit files contained in the databases of nationwide credit reporting agencies. The credit bureaus' consumer credit files contain information provided by companies with which the consumer has had financial dealings and/or public record information collected by the bureaus from the courts. The SSNV does not verify that the Social Security Administration issued a specific SSN to a consumer. Social Security Verification results and Remarks returned from this search are for informational purposes and should not be relied upon as a basis for determining the eligibility of a consumer for credit, insurance, employment or any other product or service, without additional review with and clarification from the consumer. SOCIAL SECURITY VERIFICATION NAME AND ADDRESS INFORMATION OBTAINED FROM: EXPERIAN Customer Provided Information

SSN XXX-XX-XXXX DOB XX/XXX/XXXX

SSN State Issued SSN Year Issued 1982

Name Type Report Subject Name EPPS, RONALD

Name Type Former Name Name EPPS, RONALD J JR

Name Type Former Name Name JAMES, RONALD JR

Addr Type Residence Address First Date 07/01/2006 Last 07/01/2006 Address 3201 ARKANSAS ST APT 2

OAKLAND, CA 94602

Addr Type Former Address First Date 07/01/1999 Last 03/01/2001 Address 561 A ST

HAYWARD, CA 94541

Addr Type Former Address First Date 01/01/2004 Last 12/01/2006 Address 4253 ATHELLO DR

FREMONT, CA 94555

Addr Type Former Address First Date 11/01/2007 Last 11/01/2007 Address 15320 TROPIC CT # 24

DALLAS, TX 75206

Addr Type Former Address First Date 09/01/2003 Last 11/01/2020 Address 289 WISTAR RD

OAKLAND, CA 94603

Addr Type Former Address First Date 09/01/1999 Last 04/01/2021 Address 277 WISTAR RD

OAKLAND, CA 94603

Addr Type Former Address First Date 07/01/2011 Last 10/01/2021 Address 32540 PULASKI DR APT 308

HAYWARD, CA 94544

Addr Type Former Address First Date 04/01/2018 Last 05/01/2022 Address 683 NEWBURY LN APT 277

HAYWARD, CA 94544

Addr Type Former Address First Date 07/01/2022 Last 07/01/2022 Address 24412 2ND ST

HAYWARD, CA 94541

Employment Type ES

Employer Name TESLA

Remarks and/or Social Security Alerts

08/10/22: SUBJECT NAME RETURNED MATCHED WITH A DEVELOPED NAME. 08/10/22: AN ADDRESS DISCREPANCY WAS FOUND. SUBJECT ADDRESS DOES NOT MATCH ADDRESS ON FILE. 08/10/22: NO ALERTS RETURNED FROM SEARCH.

Order Process History

Date Description

10/Aug/2022 04:49:33 PM Search In Progress.

10/Aug/2022 04:49:34 PM Record Judged.

Back to top

First Advantage National Criminal File Plus OAKLAND, ALAMEDA, CA Status: Complete Score: Eligible

Date Completed: 10/Aug/2022

Record Source DATABASE SEARCH

Search Results No Record Found

Search Type First Advantage National Criminal File Plus Search Date of Search 10/Aug/2022

Address Covered 277 WISTAR RD

Address City Covered OAKLAND

Address County Covered ALAMEDA

Address State Covered CA

Address Zip 94603

Given Name Searched RONALD JAMES EPPS

Developed Name Searched RONALD EPPS, RONALD J EPPS, RONALD JAMES Order Process History

Date Description

10/Aug/2022 04:49:33 PM Record Ordered.

10/Aug/2022 04:55:38 PM Search In Progress.

10/Aug/2022 04:55:39 PM Record Judged.

Back to top

Felony, Misdemeanor Or Other OAKLAND, ALAMEDA, CA Status: Complete Score: Decisional

Date Completed: 11/Aug/2022

Record Source ALAMEDA COUNTY SUPERIOR AND MUNICIPAL COURTS Search Results Record Found

Search Type FELONY & MISDEMEANOR RECORD SEARCH

Date of Search 11/Aug/2022

Search Period 07/27/2012 - 07/27/2022

Address Covered 277 WISTAR RD

Address City Covered OAKLAND

Address County Covered ALAMEDA

Address State Covered CA

Address Zip 94603

Location 24405 AMADOR STREET HAYWARD ALAMEDA COUNTY Given Name Searched RONALD JAMES EPPS JR

Developed Name Searched RONALD J EPPS JR, RONALD EPPS, RONALD JAMES JR Case Reference # 21-CR-006461

Case Date 27/May/2021

Name on File RONALD JAMES EPPS

DoB on File XX/XX/XXXX

Charge BATTERY

Charge Type MISDEMEANOR

Disposition CONVICTED

Disposition Date 15/Mar/2022

Sentence CREDIT TIME SERVED 1 DAY; JAIL 1 DAY; PROBATION 3 YEARS Source Status History

Status Date Description

10/Aug/2022 10:50:30 PM Additional handling required. Estimated completion by 08/12/2022 10/Aug/2022 04:49:51 PM Search in progress. Estimated completion by 08/11/2022 Remark

08/10/22: THIS SEARCH ALSO COVERS: 24412 SECOND ST, HAYWARD, ALAMEDA COUNTY, CA; 289 WISTAR RD, OAKLAND, ALAMEDA COUNTY, CA;

32540 PULASKI DR APT 308, HAYWARD, ALAMEDA COUNTY, CA; 683 NEWBURY LN APT 277, HAYWARD, ALAMEDA COUNTY, CA; 24412 2ND ST, HAYWARD, ALAMEDA COUNTY, CA;

Order Process History

Date Description

10/Aug/2022 04:49:33 PM Search In Progress.

10/Aug/2022 04:49:47 PM Search In Progress.

11/Aug/2022 06:40:41 PM Search In Progress.

11/Aug/2022 11:01:51 PM Record Judged.

Back to top

Federal Criminal OAKLAND, ALAMEDA, CA Status: Complete Score: Eligible

Date Completed: 10/Aug/2022

Record Source US DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA Search Results No Record Found

Search Type FEDERAL FELONY & MISDEMEANOR SEARCH

Date of Search 10/Aug/2022

Search Period 07/27/2012 - 07/27/2022

Address Covered 277 WISTAR RD

Address City Covered OAKLAND

Address County Covered ALAMEDA

Address State Covered CA

Address Zip 94603

Location 450 GOLDEN GATE AVENUE 16TH FLOOR SAN FRANCISCO SAN FRANCISCO COUNTY

Given Name Searched RONALD JAMES EPPS JR

Developed Name Searched RONALD JAMES JR, RONALD J EPPS JR, RONALD EPPS Source Status History

Status Date Description

10/Aug/2022 04:49:51 PM Search in progress. Estimated completion by 08/11/2022 Remark

08/10/22: THIS SEARCH ALSO COVERS: 24412 SECOND ST, HAYWARD, ALAMEDA COUNTY, CA; 289 WISTAR RD, OAKLAND, ALAMEDA COUNTY, CA;

32540 PULASKI DR APT 308, HAYWARD, ALAMEDA COUNTY, CA; 683 NEWBURY LN APT 277, HAYWARD, ALAMEDA COUNTY, CA; 24412 2ND ST, HAYWARD, ALAMEDA COUNTY, CA;

Order Process History

Date Description

10/Aug/2022 04:49:33 PM Search In Progress.

10/Aug/2022 04:49:43 PM Search In Progress.

10/Aug/2022 10:54:03 PM Record Judged.

Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 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 the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: 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. Seewww.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 from 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

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 - FCRA

Washington, DC 20580

877-***-****

2. To the extent not included in item 1 above:

a. National banks, federal savings associations, and federal branches and federal agencies of foreign

banks

b. State member banks, branches and agencies of

foreign banks (other than federal branches, federal agencies, and insured state branches of foreign

banks), commercial lending companies owned or

controlled by foreign banks, and organizations

operating under section 25 or 25A of the Federal

Reserve Act

c. Nonmember Insured Banks, Insured State

Branches of Foreign Banks, and insured state

savings associations

d. Federal Credit Unions

a. Office of the Comptroller of the Currency

Customer Assistance Group

1301 McKinney Street, Suite 3450

Houston, TX 77010-9050

b. Federal Reserve Consumer Help Center

P.O. Box 1200

Minneapolis, MN 55480

c. FDIC Consumer Response Center

1100 Walnut Street, Box #11

Kansas City, MO 64106

d. National Credit Union Administration

Office of Consumer 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 SW

Washington, DC 20423

5. Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards Administration area 5. Creditors Subject to Packers and Stockyards Act 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 20549

7. Brokers and Dealers Securities and Exchange Commission 100 F Street NE

Washington, DC 20549

8. Federal Land Banks, Federal Land Bank

Associations, Federal Intermediate Credit Banks, and Production Credit Associations

Farm Credit Administration

1501 Farm Credit Drive

McLean, VA 22102-5090

9. Retailers, Finance Companies, and All Other

Creditors Not Listed Above

FTC Regional Office for region in which the creditor operates or

Federal Trade Commission: Consumer Response

Center - FCRA

Washington, DC 20580

877-***-****

California Residents

Summary of Rights

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 ($8). There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The consumer credit reporting agency must provide someone to help you interpret the information in your credit file. You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. 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. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years. 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 30 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 an error should be given to the consumer credit reporting agency. If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief 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 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 12 months preceding your request. This record shall include the recipients of any consumer credit report. You may request in writing that the information contained in your file not be provided to a third party for marketing purposes.

You have a right to place a "security alert" in your credit report, which will warn anyone who receives information in your credit report that your identity may have been used without your consent. Recipients of your credit report are required to take reasonable steps, including contacting you at the telephone number you may provide with your security alert, to verify your identity prior to lending money, extending credit, or completing the purchase, lease, or rental of goods or services. The security alert may prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that taking advantage of this right may delay or interfere with the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or cellular phone or other new account, including an extension of credit at point of sale. If you place a security alert on your credit report, you have a right to obtain a free copy of your credit report at the time the 90-day security alert period expires. A security alert may be requested by calling the following toll-free telephone number: (Insert applicable toll- free telephone number). California consumers also 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 credit reporting agency from releasing any information in your credit report without your express authorization. A security freeze must be requested in writing by mail. 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 cellular phone or other new account, including an extension of credit at point of sale. When you place a security freeze on your credit report, you will be provided a personal identification number or password to use if you choose to remove the freeze on your credit report or authorize the release of your credit report for a specific party or period of time after the freeze is in place. To provide that authorization you must contact the consumer credit reporting agency and provide all of the following:

(1) The personal identification number or password.

(2) Proper identification to verify your identity.

(3) The proper information regarding the third party who is to receive the credit report or the period of time for which the report shall be available to users of the credit report. A consumer credit reporting agency must authorize the release of your credit report no later than three business days after receiving the above information. A security freeze does not apply when you have an existing account and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control, or similar activities.

If you are



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