First Advantage
P. O. Box *****
Indianapolis, IN 46209-1002
MARVIN VENTURA
*** ***** ** ********** ********
GLEN BURNIE, MD 21061
Dear MARVIN VENTURA :
Pursuant to your request, attached is a copy of your Consumer Report that was requested by: KELLY SERVICES US
999 WEST BIG BEAVER ROAD
TROY,MI,48084
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
Sincerely,
First Advantage
Enclosures: Copy of Consumer Report
Summary of Your Rights under the Fair Credit Reporting Act Background Report
Background Report
Confidential
MARVIN MAURICIO VENTURA
XXX-XX-XXXX
CID - 241725914
KELLY SERVICES US
999 WEST BIG BEAVER ROAD
TROY, MI 48084
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 WEST COVINA EMPLOYMENT SERVICE CENTER at:
800-***-**** (outside North America +1-971-***-****) General Consumer Information
Consumer's Name MARVIN MAURICIO
VENTURA
Branch (Kelly
Services 4 Digit
Branch #)
3100
Client Name KELLY SERVICES US BUSINESS UNIT PROF & INDUSTRIAL BU 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 115 RANGE RD
GLENBURNIE MARYLAND
GLEN BURNIE, MD 21061
Date of Birth XX/XXX/XXXX
Other Names
Not Provided
Information Regarding this Order:
Position Applied For Date Ordered 04/Nov/2022 03:44:52 PM Background Check
Completion Date
07/Nov/2022 02:16:30 AM Report Last Updated
on
07/Nov/2022 02:16:30 AM
Date Report Printed 07/Nov/2022 02:16:32 AM
Reference Fields
Label Value
KSN Customer ID 1842326
Customer Name SEPHORA
KSN Talent ID 24935802
KSN Order Number 34819996
Tax Location ID
Tax Location Name Belcamp,MD
Bullhorn Talent ID 21540156
Service Line 050
Assigned to Branch SEPHORA MD
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 MARVIN MAURICIO
VENTURA
Date Ordered: 04/Nov/2022 03:44:52 PM
Background Check
Completion Date:
07/Nov/2022 02:16:30 AM
Score Result Favorable
Package Name: PACKAGE 12
Package Searches Ordered Status Review Score
Social Security Verification Complete No
Social Security Verification Complete No Favorable First Advantage National Criminal File Plus Complete No First Advantage National Criminal File Plus GLEN
BURNIE, ANNE ARUNDEL, MD Complete No Favorable
Felony, Misdemeanor Or Other Complete No
Felony, Misdemeanor Or Other BALTIMORE, BALTIMORE
CITY, MD Complete No Favorable
Felony, Misdemeanor Or Other GLEN BURNIE, ANNE
ARUNDEL, MD Complete No Favorable
Additional Searches Ordered
NONE
Remark
Automated pre-Adverse Action letter mailing not available due to customer setup.
* 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 MARYLAND
Date Issued BETWEEN 2001-2002 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: Favorable
Date Completed: 04/Nov/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 2002
Name Type Report Subject Name VENTURA, MARVIN
Addr Type Residence Address First Date 04/01/2016 Last 10/01/2017 Address 6704 GRACELAND AVE
BALTIMORE, MD 21224
Addr Type Former Address First Date 01/01/2012 Last 02/01/2018 Address 163 OVERLEA RD
MILLERSVILLE, MD 21108
Addr Type Former Address First Date 02/01/2018 Last 08/01/2019 Address 1307 ANGLESEA ST APT T3
BALTIMORE, MD 21224
Addr Type Former Address First Date 11/01/2019 Last 12/01/2019 Address 1316 BONSAL ST APT 1D
BALTIMORE, MD 21224
Addr Type Former Address First Date 07/01/2021 Last 07/01/2021 Address 2017 NORMAN RD
GLEN BURNIE, MD 21060
Addr Type Former Address First Date 12/01/2019 Last 10/01/2022 Address 115 RANGE RD
GLEN BURNIE, MD 21061
Employment Type ES
Employer Name AVACUS CORP
Remarks and/or Social Security Alerts
11/04/22: SUBJECT NAME RETURNED MATCHED WITH A DEVELOPED NAME. 11/04/22: NO ALERTS RETURNED FROM SEARCH.
Order Process History
Date Description
04/Nov/2022 03:45:32 PM Search In Progress.
04/Nov/2022 03:45:33 PM Record Judged.
Back to top
First Advantage National Criminal File Plus GLEN BURNIE, ANNE ARUNDEL, MD
Status: Complete
Score: Favorable
Date Completed: 07/Nov/2022
Record Source DATABASE SEARCH
Search Results No Record Found
Search Type First Advantage National Criminal File Plus Search Address Covered 115 RANGE RD GLENBURNIE MARYLAND
Address City Covered GLEN BURNIE
Address County Covered ANNE ARUNDEL
Address State Covered MD
Address Zip 21061
Given Name Searched MARVIN MAURICIO VENTURA
Developed Name Searched MARVIN VENTURA
Order Process History
Date Description
04/Nov/2022 03:45:32 PM Record Ordered.
04/Nov/2022 04:09:25 PM Search In Progress.
04/Nov/2022 07:41:04 PM Research Required -- First Advantage Research In Progress -- Delay Possible.
05/Nov/2022 03:30:40 PM Research Required -- First Advantage Research In Progress -- Delay Possible.
07/Nov/2022 02:16:30 AM Record Judged.
Back to top
Felony, Misdemeanor Or Other BALTIMORE, BALTIMORE CITY, MD Status: Complete Score: Favorable
Date Completed: 04/Nov/2022
Record Source BALTIMORE CITY 8TH JUDICIAL CIRCUIT AND DISTRICT COURTS Search Results No Record Found
Search Type FELONY & MISDEMEANOR RECORD SEARCH
Date of Search 04/Nov/2022
Search Period 10/21/2015 - 10/21/2022
Address Covered 1307 ANGLESEA ST APT T3
Address City Covered BALTIMORE
Address County Covered BALTIMORE CITY
Address State Covered MD
Location 110 N CALVERT RM 200 BALTIMORE BALTIMORE CITY COUNTY Given Name Searched MARVIN MAURICIO VENTURA
Source Status History
Status Date Description
04/Nov/2022 03:46:35 PM Search in progress. Estimated completion by 11/07/2022 Remark
11/04/22: THIS SEARCH ALSO COVERS: 1316 BONSAL ST APT 1D, BALTIMORE, BALTIMORE CITY COUNTY, MD; 6704 GRACELAND AVE, BALTIMORE, BALTIMORE CITY COUNTY, MD; Order Process History
Date Description
04/Nov/2022 03:45:33 PM Search In Progress.
04/Nov/2022 03:45:55 PM Search In Progress.
04/Nov/2022 04:45:43 PM Record Judged.
Back to top
Felony, Misdemeanor Or Other GLEN BURNIE, ANNE ARUNDEL, MD Status: Complete Score: Favorable
Date Completed: 05/Nov/2022
Record Source ANNE ARUNDEL COUNTY 5TH JUDICIAL CIRCUIT AND DISTRICT COURTS Search Results No Record Found
Search Type FELONY & MISDEMEANOR RECORD SEARCH
Date of Search 05/Nov/2022
Search Period 10/21/2015 - 10/21/2022
Address Covered 115 RANGE RD GLENBURNIE MARYLAND
Address City Covered GLEN BURNIE
Address County Covered ANNE ARUNDEL
Address State Covered MD
Address Zip 21061
Location 7 CHURCH CIRCLE ANNAPOLIS ANNE ARUNDEL COUNTY Given Name Searched MARVIN MAURICIO VENTURA
Developed Name Searched MARVIN VENTURA
Source Status History
Status Date Description
04/Nov/2022 03:46:16 PM Search in progress. Estimated completion by 11/07/2022 Remark
11/04/22: THIS SEARCH ALSO COVERS: 115 RANGE RD, GLEN BURNIE, ANNE ARUNDEL COUNTY, MD; 2017 NORMAN RD, GLEN BURNIE, ANNE ARUNDEL COUNTY, MD; 163 OVERLEA RD, MILLERSVILLE, ANNE ARUNDEL COUNTY, MD; Order Process History
Date Description
04/Nov/2022 03:45:32 PM Search In Progress.
04/Nov/2022 03:46:07 PM Search In Progress.
05/Nov/2022 04:23:14 AM 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
2. To the extent not included in item 1 above:
a. National banks, federal savings associations, and federal branches and federal agencies of foreign
a. Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
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
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 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
For Maryland Residents:
STATE OF MARYLAND
Statement of Right of the Consumer
As a resident of the State of Maryland, you have the following rights as a consumer under the laws of the State of Maryland relating to consumer credit information. You have the right to request, in writing, that a consumer reporting agency restrict the sale or other transfer of information in your credit file to: 1. A mail-service organization;
2. A marketing firm; or
3. Any other similar organization that obtains information about a consumer for marketing purposes.
You have a right, upon request and proper identification, to receive from a consumer reporting agency an exact copy of any consumer file on you, except any part of the file which contains medical information; a written explanation of codes or trade language used; and the name, address, and telephone number of the Commissioner. Whenever access to a file or a copy of a file has been furnished to a consumer, the consumer reporting agency may delete the sources of information acquired solely for use in an investigative report and used for no other purpose. If any action is brought by the consumer under these rules, the consumer reporting agency shall make such sources available to the plaintiff under appropriate discovery procedures.
You have a right to receive disclosure of information in your consumer file during normal business hours and on reasonable notice:
In person, upon furnishing proper identification.
By telephone, if you make written request with proper identification, and toll charges, if any, are charged to you.
In writing, if you make written request and furnish proper identification; you may be accompanied by one other person of your choosing, who must furnish reasonable identification, and the consumer reporting agency may require a written statement from you granting permission to discuss your consumer information in this person's presence. You have a right to dispute the completeness or accuracy of any item of information contained in your consumer file, and if you convey the dispute to the consumer reporting agency in writing, the consumer reporting agency will, within 30 days, reinvestigate and record the current status of that information, unless it has reasonable grounds to believe that the dispute is frivolous or irrelevant. If, after reinvestigation, the information you disputed is found to be inaccurate or cannot be verified, the consumer reporting agency shall within 7 business days, delete the information and mail you a written notice of the correction and a statement of your rights under this subtitle and will also mail to each person to whom erroneous information was furnished written notice of the correction You will also be sent, within 7 business days, a written notice and a statement of the rights of the consumer if the information you disputed is found to be accurate or is verified. You have 60 days after receiving notice of correction or other findings to request in writing that the consumer reporting agency furnish you with the name, address, telephone number of each person contacted during its reinvestigation, and it will provide this information to you within 30 days after receiving your request.
If the reinvestigation does not resolve your dispute, you may file with the consumer reporting agency a brief statement of not more than 100 words, setting forth the nature of your dispute. This statement will be placed on your consumer file, and in any subsequent report containing the information you dispute, it will be clearly noted that the information has been disputed by you, and your statement or a clear and accurate summary of it will be provided with that report. Following deletion of any information you disputed that is found to be inaccurate or could not be verified or any notation as to disputed information, at your request, the consumer reporting agency will furnish notification that the information has been deleted or your statement, or statement summary, to any person you designate who has received your report within the past two years for employment purposes, or within the past one year for any other purpose. Under the law, you will not be charged for any consumer reports requested during a file disclosure nor for any consumer reports provided to you during the dispute process. Under the law, you may be charged a fee not to exceed $5 for a second or subsequent report requested by you during a 12-month period.
You have a right to file a complaint with the Commissioner if you have reason to believe that this law or any other law regulating consumer credit reporting has been violated, and the Commissioner will thoroughly inspect and investigate your complaint. The name, address and telephone number of the Commissioner of Finance Regulation is: Mr. Gordon M. Cooley
Commissioner of Financial Regulation
500 N. Calvert Street, Suite 402
Baltimore, MD 21202
Maryland File Freeze Information:
Maryland Consumers Have the Right to Obtain a Security Freeze You have a right, under 14-1212.1 of the Commercial Law Article of the Annotated Code of Maryland, to place a security freeze on your credit report. The security freeze will prohibit a consumer reporting agency from releasing your credit report or any information derived from your credit report without your express authorization. The purpose of a security freeze is to prevent credit, loans, and services from being approved in your name without your consent. A consumer reporting agency may not charge you a fee for any service relating to a security freeze, including for any placement, temporary lift, or removal of a security freeze.
You may elect to have a consumer reporting agency place a security freeze on your credit report by written request sent by certified mail or by electronic mail or the Internet if the consumer reporting agency provides a secure electronic connection. The consumer reporting agency must place a security freeze on your credit report within 3 business days after your request is received. Within 5 business days after a security freeze is placed on your credit report, you will be provided with a unique personal identification number or password to use if you want to remove the security freeze or temporarily lift the security freeze to release your credit report to a specific person or for a specific period of time. You also will receive information on the procedures for removing or temporarily lifting a security freeze. If you want to temporarily lift the security freeze on your credit report, you must contact the consumer reporting agency and provide all of the following:
(1) The unique personal identification number or password provided by the consumer reporting agency;
(2) The proper identifying information to verify your identity; and
(3) The proper information regarding the person who is to receive the credit report or the period of time for which the credit report is to be available to users of the credit report. A consumer reporting agency must comply with a request to temporarily lift a security freeze on a credit report within 3 business days after the request is received, or within 15 minutes for certain requests. A consumer reporting agency must comply with a