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Resume:
Page * Enterprise Advantage
Background Report
Confidential
ANDREW JOHN PADGETT
XXX-XX-XXXX
CID - 200397776
LOWE'S
P O BOX 1000
MOORESVILLE, NC 28115
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-***-****) Page 2 of 8
General Consumer Information
Consumer's Name ANDREW JOHN PADGETT Location LWS0528 Client Name LOWE'S Requestor 2559654
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 443 CREEK WOOD DR FOUNTAIN INN
FOUNTAIN INN, SC 29644
Date of Birth XX/XXX/XXXX
Consumer Contact 864-***-**** Consumer Alternate Contact Other Names
Not Provided
Information Regarding this Order:
Position Applied For RECEIVER/STOCKER Date Ordered 04/Aug/2021 07:22:38 PM Background Check Completion
Date
05/Aug/2021 06:08:41 AM Report Last Updated on 05/Aug/2021 06:08:41 AM Date Report Printed 03/Mar/2022 11:05:02 PM Report ETA 06/Aug/2021 Prior Convictions Reported by the Applicant
None
Reporting
Label Value
Line of Business Store
District LWS_USA_Market - 083
Region LWS_USA_Lo
Division LWS_USA_So
Kenexa Req Id 2013558BR
Kenexa Candidate Ref Id 17488242
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. CID - 200397776
CID - 200397776
Page 3 of 8
First Advantage Background Report Summary
Consumer's Name ANDREW JOHN PADGETT Date Ordered: 04/Aug/2021 07:22:38 PM Background Check Completion
Date:
05/Aug/2021 06:08:41 AM
Score Result Approved
Package Name: STANDARD
Package Searches Ordered Status Review Score
First Advantage National Criminal File Complete No First Advantage National Criminal File FOUNTAIN INN, GREENVILLE, SC Complete No Eligible Felony Including Misdemeanor Or Other Complete No
Felony Including Misdemeanor Or Other FOUNTAIN INN, GREENVILLE, SC Complete No Eligible National Sex Offender Registry Complete No
National Sex Offender Registry Search - Department Of Justice Web Site 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.
CID - 200397776
CID - 200397776
Page 4 of 8
First Advantage National Criminal File FOUNTAIN INN, GREENVILLE, SC Status: Complete
Score: Eligible
Date Completed: 04/Aug/2021
Record Source DATABASE SEARCH
Search Results No Record Found
Search Type First Advantage National Criminal File Search Date of Search 04/Aug/2021
Address Covered 443 CREEK WOOD DR FOUNTAIN INN
Address City Covered FOUNTAIN INN
Address County Covered GREENVILLE
Address State Covered SC
Address Zip 29644
Given Name Searched ANDREW JOHN PADGETT
Order Process History
Date Description
04/Aug/2021 07:23:39 PM Record Ordered.
04/Aug/2021 07:24:07 PM Search In Progress.
04/Aug/2021 07:24:08 PM Record Judged.
Felony Including Misdemeanor Or Other FOUNTAIN INN, GREENVILLE, SC Status: Complete
Score: Eligible
Date Completed: 05/Aug/2021
Record Source GREENVILLE CIRCUIT COURT
Search Results No Record Found
Search Type FELONY INDEX SEARCH INCLUDE MISDEMEANORS Date of Search 05/Aug/2021
Search Period 07/21/2014 - 07/21/2021
Address Covered 443 CREEK WOOD DR FOUNTAIN INN
Address City Covered FOUNTAIN INN
Address County Covered GREENVILLE
Address State Covered SC
Address Zip 29644
Location 305 E. NORTH ST GREENVILLE GREENVILLE COUNTY Given Name Searched ANDREW JOHN PADGETT
Source Status History
Status Date Description
04/Aug/2021 07:24:43 PM Search in progress. Estimated completion by 08/06/2021 Order Process History
Date Description
04/Aug/2021 07:23:39 PM Search In Progress.
04/Aug/2021 07:23:41 PM Search In Progress.
05/Aug/2021 06:08:41 AM Record Judged.
Status: Complete
CID - 200397776
CID - 200397776
Page 5 of 8
National Sex Offender Registry Search - Department Of Justice Web Site Score: Eligible Date Completed: 04/Aug/2021
Record Source NATIONAL SEX OFFENDER REGISTRY
Search Results No Record Found
Search Type NATIONAL SEX OFFENDER REGISTRY SEARCH-DEPT OF JUSTICE Date of Search 04/Aug/2021
Search Period 07/21/2014 - 07/21/2021
Given Name Searched ANDREW JOHN PADGETT
Source Status History
Status Date Description
04/Aug/2021 07:24:43 PM Search in progress. Estimated completion by 08/05/2021 Order Process History
Date Description
04/Aug/2021 07:23:39 PM Search In Progress.
04/Aug/2021 07:23:41 PM Search In Progress.
04/Aug/2021 07:29:39 PM Search In Progress.
04/Aug/2021 07:29:39 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. 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 CID - 200397776
CID - 200397776
Page 6 of 8
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
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 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
CID - 200397776
CID - 200397776
Page 7 of 8
insured state savings associations
d. Federal Credit Unions
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 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
South Carolina Security Freeze Notice (Identity Theft Only) SECTION 37-20-160. Security freezes on consumer files; request for replacement personal identification number or password; consumer reporting agency duties and responsibilities; exceptions.
(A) On written request sent by certified mail or electronic mail that includes proper identification provided by a consumer, the consumer's attorney-in-fact, or the consumer's legal guardian, if the consumer has not been a victim of identity theft or if the consumer has reason to believe that he is the victim of financial identity fraud, as evidenced by a copy of a valid police report, investigative report, or complaint made pursuant to Section 16-13-510, a consumer reporting agency shall place a security freeze on the consumer's consumer file not later than the fifth business day after the date the agency receives the request.
(B) On written request for a security freeze from a consumer pursuant to subsection (A), a consumer reporting agency shall disclose to the consumer the process of placing, removing, and temporarily lifting a security freeze and the process for allowing access to information from the consumer's consumer file for a specific requester or period while the security freeze is in effect.
(C) A consumer reporting agency, not later than the tenth business day after the date the agency receives the request for a security freeze shall:
(1) send a written confirmation of the security freeze to the consumer; and
(2) provide the consumer with a unique personal identification number or password to be used by the consumer to authorize a removal or temporary lifting of the security freeze.
(D) A consumer may request in writing a replacement personal identification number or password. The request must comply with the requirements for requesting a security freeze pursuant to subsection (A). The consumer reporting agency, not later than the third business day after the date the agency receives the request for a replacement personal identification number or password, shall provide the consumer with a new unique personal identification number or password to be used by the consumer instead of the number or password that was provided earlier.
(E) If a security freeze is in place, a consumer reporting agency shall notify the consumer in writing of a change in the consumer file to the consumer's name, date of birth, social security number, or address not later than thirty calendar days after the date the change is made. The agency shall send notification of a change of address to the new address and former address. This section does not require notice of an immaterial change, including a street abbreviation change or correction of a transposition of letters or misspelling of a word.
(F) A consumer reporting agency shall notify a person who requests a consumer report if a security freeze is in effect for the consumer file involved in that report and the consumer report may not be released without express authorization by the consumer.
(G)(1) On a request by a consumer electronically, in writing, or by telephone and with proper identification provided by a consumer, including the CID - 200397776
CID - 200397776
Page 8 of 8
consumer's personal identification number or password provided pursuant to subsection (C)(2), a consumer reporting agency shall remove a security freeze not later than the third business day after the date the agency receives the request at a point designated by the agency to receive the request.
(2)(a) On a request by a consumer electronically or by telephone and with proper identification provided by a consumer, including the consumer's personal identification number or password provided pursuant to subsection (C)(2), a consumer reporting agency, within fifteen minutes of receiving the request, shall lift the security freeze temporarily for a:
(i) certain properly designated period; or
(ii) certain properly identified requester.
(b) It is not a violation of this item if the consumer reporting agency is prevented from timely lifting the freeze by an act of God, a fire, a storm, an earthquake, an accident, or other event beyond the agency's control.
(H) A consumer reporting agency may develop procedures involving the use of a telephone, a facsimile machine, the Internet, or another electronic medium to receive and process a request from a consumer pursuant to this section.
(I) A consumer reporting agency shall remove a security freeze placed on a consumer file if the security freeze was placed due to a material misrepresentation of fact by the consumer. The consumer reporting agency shall notify the consumer in writing before removing the security freeze pursuant to this subsection.
(J) A consumer reporting agency may not charge a fee for a freeze, removal of a freeze, temporary lifting of a freeze, or reinstatement of a freeze.
(K) A security freeze does not apply to the use of a consumer report provided to:
(1) a state or local governmental entity, including a law enforcement agency or court or private collection agency, if the entity, agency, or court is acting pursuant to a court order, warrant, subpoena, or administrative subpoena;
(2) a child support agency acting to investigate or collect child support payments or acting pursuant to Title IV-D of the Social Security Act (42 U.S.C. Section 651, et seq.);
(3) the Department of Social Services acting to investigate fraud;
(4) the Department of Revenue acting to administer state tax laws;
(5) a local official authorized to investigate or collect delinquent amounts owed to a public entity;
(6) a person for the purposes of prescreening as provided by the Fair Credit Reporting Act (15 U.S.C. Section 1681, et seq.), as amended;
(7) a person with whom the consumer has an account or contract or to whom the consumer has issued a negotiable instrument, or the person's subsidiary, affiliate, agent, assignee, prospective assignee, subcontractor, or private collection agency, for purposes related to that account, contract, or instrument;
(8) a subsidiary, affiliate, agent, assignee, or prospective assignee of a person to whom access has been granted pursuant to subsection (G)(2);
(9) a person who administers a credit file monitoring subscription service to which the consumer has subscribed;
(10) a person for the purpose of providing a consumer with a copy of the consumer's report on the consumer's request;
(11) a depository financial institution for checking, savings, and investment accounts;
(12) an insurance company for the purpose of conducting its ordinary business; or
(13) a consumer reporting agency that:
(a) acts only to resell credit information by assembling and merging information contained in a database of another consumer reporting agency or multiple consumer reporting agencies; and
(b) does not maintain a permanent database of credit information from which new consumer reports are produced.
(L) The requirement of this section to place a security freeze on a consumer file does not apply to:
(1) a check service or fraud prevention service company that issues consumer reports:
(a) to prevent or investigate fraud; or
(b) for purposes of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payment;
(2) a deposit account information service company that issues consumer reports related to account closures caused by fraud, substantial overdrafts, automated teller machine abuses, or similar negative information regarding a consumer to an inquiring financial institution for use by the financial institution only in reviewing a consumer request for a deposit account with that institution; or
(3) a consumer reporting agency's database or file that consists of information concerning, and used for, one or more of the following, but not for credit granting purposes:
(a) criminal record information;
(b) fraud prevention or detection;
(c) personal loss history information; and
(d) employment, tenant, or individual background screening.
(M) A consumer reporting agency shall honor a security freeze placed on a consumer file by another consumer reporting agency.
(N) If a third party requests access to a consumer report on which a security freeze is in effect, this request is in connection with an application for credit or another use, and the consumer does not allow his credit report to be accessed, the third party may treat the application as incomplete. The presence of a security freeze on the file of a consumer must not be considered an adverse factor in the consumer's creditworthiness, credit standing, or credit capacity.
(O) The provisions of this section are cumulative, and an action taken pursuant to this section is not an election to take that action to the exclusion of other action authorized by law.
CID - 200397776
CID - 200397776
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