Walnut Creek Cdl Driver
Resume:
United Parcel Service
Building 3, Floor 3
Atlanta, GA 30328
VAIOLA RAPKIN
BYRON, CA 94514
Dear VAIOLA RAPKIN :
Please be advised that First Advantage Background Services Corp is reporting public record information concerning you to:
UNITED PARCEL SERVICE
55 Glenlake Parkway
Building 3, Floor 3
Atlanta, GA 30328
The results of this search, a copy of which is enclosed, are confidential and will not be distributed to any other organization other than the one that originally requested it. The results are not an indication of an acceptance or rejection of your employment or service. A separate letter may be forthcoming from the organization that requested your report to indicate acceptance or rejection. If you have any questions, please call our Consumer Disclosure Center at 1-800-***-****. First Advantage, Consumer Disclosure Center
PO Box 105292
Atlanta, GA 30348
Sincerely,
First Advantage
Background Report
Background Report
Confidential
VAIOLA T RAPKIN
XXX-XX-XXXX
CID - 236642544
UNITED PARCEL SERVICE
1601 ATLAS RD
1601 ATLAS ROAD
RICHMOND, CA 94806-1101
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 WEST COVINA EMPLOYMENT SERVICE CENTER at:
800-***-**** (outside North America +1-971-***-****) General Consumer Information
Consumer's Name VAIOLA T RAPKIN NONE
Client Name UNITED PARCEL SERVICE Facility Mnemonic CAOAK 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 3730 KELLOGG CREEK RD.
BYRON, CA 94514
Date of Birth XX/XXX/XXXX
Consumer Contact 925-***-**** Consumer Alternate
Contact
Other Names
Not Provided
Information Regarding this Order:
Position Applied For Date Ordered 26/Sep/2022 01:31:37 PM Background Check
Completion Date
26/Sep/2022 06:50:12 PM Report Last Updated
on
26/Sep/2022 06:50:12 PM
Date Report Printed 26/Sep/2022 06:50:26 PM
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 VAIOLA T RAPKIN Date Ordered: 26/Sep/2022 01:31:37 PM Background Check
Completion Date:
26/Sep/2022 06:50:12 PM
Score Result 09/26/2022 - BASED ON YOUR CRITERIA, THE OVERALL CASE SCORE IS DECISIONAL
Package Name: NON-CDL DRIVER W/O MVR
Package Searches Ordered Status Review Score
Social Security Verification Complete No
Social Security Verification Complete No Eligible
Present Employment Complete Yes**
Present Employment - INDEPENDENT CONTRACTOR
WALNUT CREEK, CA Complete Yes** Decisional
First Advantage National Criminal File Complete No First Advantage National Criminal File BYRON, CONTRA COSTA, CA Complete No Eligible
Felony Including Misdemeanor Or Other Complete No
Felony Including Misdemeanor Or Other BYRON, CONTRA COSTA, CA 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. 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 1982-1983 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. Employment And Education Date Gap Scan
Date Gap Scan
Start Date End Date Name Component
INDEPENDENT
CONTRACTOR Present Employment
Asterisk dates are automatically calculated by the system. Back to top
Social Security Verification Status: Complete
Score: Eligible
Date Completed: 26/Sep/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 1983
Name Type Report Subject Name RAPKIN, ULUKIVAIOLA
Name Type Former Name Name RAPKIN, ULU
Addr Type Residence Address First Date 02/01/2003 Last 02/01/2008 Address 2708 OAK RD APT 40
WALNUT CREEK, CA 94597
Addr Type Former Address First Date 10/01/1999 Last 10/01/1999 Address 631 N GATE RD
WALNUT CREEK, CA 94598
Addr Type Former Address First Date 10/01/2012 Last 10/01/2012 Address 1290 KENWAL RD APT APT
CONCORD, CA 94521
Addr Type Former Address First Date 10/01/2013 Last 04/01/2017 Address 156 MAYHEW WAY
WALNUT CREEK, CA 94597
Employment Type ES
Employer Name SELF EMPLOYED
Remarks and/or Social Security Alerts
09/26/22: A NAME DISCREPANCY WAS FOUND.
09/26/22: AN ADDRESS DISCREPANCY WAS FOUND. SUBJECT ADDRESS DOES NOT MATCH ADDRESS ON FILE. Order Process History
Date Description
26/Sep/2022 01:31:37 PM Search In Progress.
26/Sep/2022 01:31:38 PM Search In Progress.
26/Sep/2022 01:31:38 PM Record Judged.
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Present Employment - INDEPENDENT CONTRACTOR WALNUT CREEK, CA Status: Complete Score: Decisional
Date Completed: 26/Sep/2022
Consideration Code Self-Employment
Company INDEPENDENT
CONTRACTOR
Line of Business
Address 156 MAYHEW WAY
WALNUT CREEK, CA 94597-
Verified by First Advantage Provided by Consumer
Position OWNER/OPERATOR
Employment Dates 01/Nov/2019 to 01/Sep/2022
Location
Questionnaire
Client Interview Question Source Response
In the previous 3 years (36 months), was
the individual in any type of drug &
alcohol regulated DOT, FMCSA, FAA, FTA,
PHMSA, FRA or Coast Guard agency
position with your company? Yes or no
Was this individual a CDL driver for your
company during the previous 3 years (36
months)? Yes or no
What type of commercial motor vehicle
did the individual drive?
In the previous 3 years (36 months) did
the individual have alcohol tests with a
result of 0.04 or higher? Yes or no
In the previous 3 years (36 months) did
the individual have any verified positive
drug tests? Yes or no
In the previous 3 years (36 months) did
the individual refuse to be tested for
drugs or alcohol? Yes or no
In the previous 3 years (36 months) did
the individual have other violations of
DOT agency drug and alcohol testing
regulations? Yes or no
If replied yes in 4, 5, 6, or 7 did the
individual complete the return to duty
process (Part 40 SAP includes a
rehabilitation or education program,
return to duty test, & follow up testing)?
Yes or no
If yes to 8, has the individual then had
any alcohol tests 0.04 or higher, tested
verified positive for drugs, or had any
other violations of DOT agency drug and
alcohol testing regulations? Yes or no
Did a previous employer report a drug
and alcohol rule violation to you? Yes or
no
Did the operator have any reportable
accidents as defined by the FMCSA
Safety Regulations during the previous 3
years (36 months)? Yes or no
If yes, what was the date of the accident?
What is the city or town and state in
which the accident occurred, or the place
the accident was most near?
Please provide a description of each
accident.
How many people, if any, were injured in
the accident?
How many people, if any, were killed in
the accident?
Was there any accident where one or
more vehicles incurred disabling damage
and had to be removed from the scene
by tow truck or other motor vehicle? Yes
or no
Were any hazardous materials spilled in
the accident other than fuel from the
truck’s tank?
What is your name?
What is your telephone number?
Remark
09/26/2022: WE DID NOT CONTACT THIS ABOVE-NAMED ENTITY PER SUBJECT/CLIENT REQUEST. Order Process History
Date Description
26/Sep/2022 01:31:37 PM Verification Request Received and/or Ready For Processing. 26/Sep/2022 01:46:39 PM Verification Request Received and/or Ready For Processing. 26/Sep/2022 06:29:42 PM Per Client Processing Rules, This Search Item Was Not Fulfilled as the applicant was self-employed.
26/Sep/2022 06:35:25 PM Verification In Progress.
26/Sep/2022 06:35:25 PM Element Completed.
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First Advantage National Criminal File BYRON, CONTRA COSTA, CA Status: Complete Score: Eligible
Date Completed: 26/Sep/2022
Record Source DATABASE SEARCH
Search Results No Record Found
Search Type First Advantage National Criminal File Search Date of Search 09/26/2022
Address Covered 3730 KELLOGG CREEK RD.
Address City Covered BYRON
Address County Covered CONTRA COSTA
Address State Covered CA
Address Zip 94514
Given Name Searched VAIOLA T RAPKIN
Order Process History
Date Description
26/Sep/2022 01:31:37 PM Record Ordered.
26/Sep/2022 01:32:12 PM Search In Progress.
26/Sep/2022 01:32:13 PM Record Judged.
Back to top
Felony Including Misdemeanor Or Other BYRON, CONTRA COSTA, CA Status: Complete Score: Eligible
Date Completed: 26/Sep/2022
Record Source CONTRA COSTA SUPERIOR COURT
Search Results No Record Found
Search Type FELONY INDEX SEARCH INCLUDE MISDEMEANORS Date of Search 09/26/2022
Search Period 09/12/2015 - 09/12/2022
Address Covered 3730 KELLOGG CREEK RD.
Address City Covered BYRON
Address County Covered CONTRA COSTA
Address State Covered CA
Address Zip 94514
Location 725 COURT STREET ROOM 103 MARTINEZ CONTRA COSTA COUNTY Given Name Searched VAIOLA T RAPKIN
Developed Name Searched ULU RAPKIN, ULUKIVAIOLA RAPKIN Source Status History
Status Date Description
26/Sep/2022 01:32:41 PM Search in progress. Estimated completion by 09/28/2022 Order Process History
Date Description
26/Sep/2022 01:31:37 PM Search In Progress.
26/Sep/2022 01:31:53 PM Search In Progress.
26/Sep/2022 06:06:46 PM Record Judged.
Back to top
National Sex Offender Registry Search - Department Of Justice Web Site Status: Complete Score: Eligible
Date Completed: 26/Sep/2022
Record Source NATIONAL SEX OFFENDER REGISTRY
Search Results No Record Found
Search Type NATIONAL SEX OFFENDER REGISTRY SEARCH-DEPT OF JUSTICE Date of Search 09/26/2022
Search Period 09/12/2015 - 09/12/2022
Given Name Searched VAIOLA T RAPKIN
Developed Name Searched ULU RAPKIN, ULUKIVAIOLA RAPKIN Source Status History
Status Date Description
26/Sep/2022 01:32:43 PM Search in progress. Estimated completion by 09/27/2022 Order Process History
Date Description
26/Sep/2022 01:31:37 PM Search In Progress.
26/Sep/2022 01:31:57 PM Search In Progress.
26/Sep/2022 03:00:16 PM Search In Progress.
26/Sep/2022 03:00:16 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
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 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
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
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