Folklift driver
Resume:
Federal Express Corporation
Attention: Talent Acquisition
Coraopolis, PA 15108
MIGUEL ROBINSON
CHICAGO, IL 60638
RE: Conviction History
Dear MIGUEL ROBINSON:
As you are aware, we have obtained criminal conviction history on you. A copy of this criminal conviction history is attached.
Based in whole or in part upon the criminal conviction information—specifically: Information Considered in Consumer Report
Criminal Records
Source Charge Case # Disposition Disposition Date
COOK COUNTY, IL POSSESSION OF CONTROLLED
SUBSTANCE EXCEPT (A)
17CR1073001 GUILTY 02/Aug/2017
COOK COUNTY, IL POSSESSION OF CONTROLLED
SUBSTANCE EXCEPT (A)
17CR1338101 GUILTY 09/Jan/2018
Comment: .
We have made a preliminary decision that you are disqualified from employment, because of the unreasonable risk to property or to the safety of employees or the general public OR the substantial relationship between the prior offense and the job duties, as to the reoccurrence of the same or similar offense. Depending on the circumstances, adverse action could involve not offering you the position (including withdrawal of any conditional offer of employment), termination of your employment, or some other action. If adverse action is ultimately taken based in whole or in part on the conviction information set forth above, you will receive additional information in a separate letter. You have the right to respond to this letter and provide additional information or context related to the conviction history described above before any final decision is made. This response may include, but is not limited to, evidence challenging the accuracy of the conviction history, and evidence of rehabilitation or mitigating circumstances. Please provide any such additional information or context to First Advantage Background Services Corp ("First Advantage") at 1-800-***-**** or by email at ********.*********@****.*** within 5 business days.
Sincerely,
Federal Express Corporation
Enc.: (1) Conviction history
First Advantage Case ID WPS-302609796 Page 1 of 19 (Includes Associated Documents) Page 1
FEDEX GROUND HR
3690 HACKS CROSS RD
BLDG I, 3RD FLR
MEMPHIS, TN 38125-8800
MIGUEL RENARD
ROBINSON
XXX-XX-XXXX
CID - 302609796
Background Report
Confidential
Enterprise Advantage
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 CHICAGO EMPLOYMENT
SERVICE CENTER at:
800-***-**** (outside North America +1 971-
280-8128)
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. First Advantage Case ID WPS-302609796 Page 2 of 19 (Includes Associated Documents) Page 2 of 11
General Consumer Information
Consumer's Name MIGUEL RENARD ROBINSON Location LOC_FXG-US/P622 Client Name FEDEX GROUND HR Company
FEDERAL EXPRESS
CORPORATION
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
10517 SOUTH LAWLER
AVENUE
CHICAGO, IL 60638
Date of Birth XX/XXX/XXXX
Consumer Contact 464-***-**** Consumer Alternate Contact Other Names
Not Provided
Information Regarding this Order:
Position Applied For P25-94940-15 Date Ordered 22/Nov/2024 04:44:38 PM Background Check Completion
Date
27/Nov/2024 12:20:10 PM Report Last Updated on 27/Nov/2024 12:20:10 PM Date Report Printed 27/Nov/2024 01:43:01 PM Report ETA 27/Nov/2024 Revised Report ETA Unknown
Self-Disclosed Criminal History
None
Candidate Reference Number
Label Value
Candidate Reference Number 720***********
Cost Center
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 - 302609796
CID - 302609796
First Advantage Case ID WPS-302609796 Page 3 of 19 (Includes Associated Documents) Page 3 of 11
First Advantage Background Report Summary
Consumer's Name MIGUEL RENARD ROBINSON Date Ordered: 22/Nov/2024 04:44:38 PM Background Check Completion
Date:
27/Nov/2024 12:20:10 PM
Score Result In-Eligible For Hire
Package Name: HANDLER P.O. PACKAGE
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 CHICAGO, COOK, IL Complete No Eligible County Seat Felony, Misdemeanor Or Other Complete Yes** County Seat Felony, Misdemeanor Or Other BOLINGBROOK, WILL, IL Complete No Eligible County Seat Felony, Misdemeanor Or Other CHICAGO, COOK, IL Complete Yes** IA required (DO
NOT USE)**
Statewide Criminal Complete
Iowa Court Information System Complete No Eligible National Sex Offender Registry Complete No
National Sex Offender Registry Search - Department Of Justice Web Site
Complete No Eligible
Global Sanction Search Complete No
First Advantage Global Sanction Search Complete No Eligible Additional Searches Ordered
NONE
Remark
City Ordinance, State, or Federal law requires additional action and disclosure by employer to consumer prior to taking adverse action based on Consumer Report. FADV cannot provide Adverse Action letter mailing service on this candidate.
* 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 - 302609796
CID - 302609796
First Advantage Case ID WPS-302609796 Page 4 of 19 (Includes Associated Documents) Page 4 of 11
Social Security Verification
Status: Complete
Score: Pass
Date Completed: 22/Nov/2024
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
Name Type Report Subject Name ROBINSON, MIGUEL
Name Type Former Name Name ROBINSON, MIGUEL M
Addr Type Residence Address First Date
11/01
/2021 Last
06/01
/2023
Address 905 W 76TH ST FL 2
CHICAGO, IL 60620
Addr Type Former Address First Date
03/01
/2006
Last
03/01
/2006
Address 1646 S KOMENSKY AVE
CHICAGO, IL 60623
Addr Type Former Address First Date
12/01
/2007
Last
12/01
/2007
Address 4900 W 43RD ST
CHICAGO, IL 60638
Addr Type Former Address First Date
06/01
/2004 Last
04/01
/2009
Address 2102 W 52ND PL APT 2
CHICAGO, IL 60609
Addr Type Former Address First Date
07/01
/2016
Last
06/01
/2017
Address 1439 S MILLARD AVE
CHICAGO, IL 60623
Addr Type Former Address First Date
02/01
/2019
Last
12/01
/2019
Address 3417 W FRANKLIN BLVD
CHICAGO, IL 60624
Addr Type Former Address First Date
06/01
/2022
Last
06/01
/2022
CID - 302609796
CID - 302609796
First Advantage Case ID WPS-302609796 Page 5 of 19 (Includes Associated Documents) Page 5 of 11
Address 518 THOMAS RD
BOLINGBROOK, IL 60440
Addr Type Former Address First Date
12/01
/2023
Last
12/01
/2023
Address 2321 WASHINGTON ST
DUBUQUE, IA 52001
Addr Type Former Address First Date
05/01
/2023
Last
06/01
/2024
Address 844 N AVERS AVE # 2
CHICAGO, IL 60651
Addr Type Former Address First Date
06/01
/2024
Last
06/01
/2024
Address 14127 LEAVITT AVE
BLUE ISLAND, IL 60406
Addr Type Former Address First Date
11/01
/2024
Last
11/01
/2024
Address 2908 175TH ST
HAZEL CREST, IL 60429
Employment Type ES
Employer Name VALMONT
Remarks and/or Social Security Alerts
11/22/24: SUBJECT NAME RETURNED MATCHED WITH A DEVELOPED NAME. 11/22/24: AN ADDRESS DISCREPANCY WAS FOUND. SUBJECT ADDRESS DOES NOT MATCH ADDRESS ON FILE. 11/22/24: SSN PROVIDED WAS CHECKED AGAINST THE DEATH MASTER INDEX AND NO MATCH WAS REPORTED. 11/22/24: NO ALERTS RETURNED FROM SEARCH.
Order Process History
Date Description
22/Nov/2024 04:44:38 PM Progressive Order Hold.
22/Nov/2024 04:45:53 PM Search In Progress.
22/Nov/2024 04:45:53 PM Record Judged.
First Advantage National Criminal File Plus CHICAGO, COOK, IL Status: Complete
Score: Eligible
Date Completed: 25/Nov/2024
Record Source DATABASE SEARCH
Search Results No Record Found
Search Type First Advantage National Criminal File Plus Search Address Covered 10517 SOUTH LAWLER AVENUE
CID - 302609796
CID - 302609796
First Advantage Case ID WPS-302609796 Page 6 of 19 (Includes Associated Documents) Page 6 of 11
Address City Covered CHICAGO
Address County Covered COOK
Address State Covered IL
Address Zip 60638
Given Name Searched MIGUEL RENARD ROBINSON
Developed Name Searched MIGUEL ROBINSON, MIGUEL M ROBINSON Order Process History
Date Description
22/Nov/2024 04:44:38 PM Progressive Order Hold.
22/Nov/2024 04:45:54 PM Record Ordered.
22/Nov/2024 04:57:09 PM Search In Progress.
23/Nov/2024 11:24:57 AM Research Required -- First Advantage Research In Progress -- Delay Possible. 25/Nov/2024 05:24:11 AM Record Judged.
Statewide Criminal - Iowa Court Information System Status: Complete
Score: Eligible
Date Completed: 22/Nov/2024
Record Source IOWA COURT INFORMATION SYSTEM
Search Results No Record Found
Search Type IOWA COURT INFORMATION SYSTEM SEARCH
Date of Search 22/Nov/2024
Search Period 11/08/2017 - 11/08/2024
Location 1111 EAST COURT AVENUE DES MOINES POLK COUNTY Given Name Searched MIGUEL RENARD ROBINSON
Developed Name Searched MIGUEL M ROBINSON
Source Status History
Status Date Description
22/Nov/2024 04:46:43 PM Search in progress. Estimated completion by 11/25/2024 Remark
THIS SEARCH COVERED, BUT NOT LIMITED TO: 2321 WASHINGTON ST, DUBUQUE, DUBUQUE COUNTY, IA, 52001-3565; Order Process History
Date Description
22/Nov/2024 04:44:38 PM Progressive Order Hold.
22/Nov/2024 04:45:54 PM Search In Progress.
22/Nov/2024 04:45:55 PM Search In Progress.
22/Nov/2024 05:14:10 PM Record Judged.
CID - 302609796
CID - 302609796
First Advantage Case ID WPS-302609796 Page 7 of 19 (Includes Associated Documents) Page 7 of 11
County Seat Felony, Misdemeanor Or Other BOLINGBROOK, WILL, IL Status: Complete
Score: Eligible
Date Completed: 23/Nov/2024
Record Source WILL CIRCUIT COURT
Search Results No Record Found
Search Type FELONY AND MISDEMEANOR RECORD SEARCH - SINGLE LOCATION DUAL INDEX
Date of Search 23/Nov/2024
Search Period 11/08/2017 - 11/08/2024
Address Covered 518 THOMAS RD
Address City Covered BOLINGBROOK
Address County Covered WILL
Address State Covered IL
Address Zip 60440-1390
Location 14 WEST JEFFERSON STREET JOLIET WILL COUNTY Given Name Searched MIGUEL RENARD ROBINSON
Developed Name Searched MIGUEL M ROBINSON
Source Status History
Status Date Description
22/Nov/2024 04:46:38 PM Search in progress. Estimated completion by 11/25/2024 Order Process History
Date Description
22/Nov/2024 04:44:38 PM Progressive Order Hold.
22/Nov/2024 04:45:54 PM Search In Progress.
22/Nov/2024 04:46:06 PM Search In Progress.
23/Nov/2024 09:51:58 AM Record Judged.
County Seat Felony, Misdemeanor Or Other CHICAGO, COOK, IL Status: Complete
Score:
IA required (DO NOT
USE)**
Date Completed: 27/Nov/2024
Record Source COOK COUNTY CIRCUIT COURT AND TRAFFIC COURT Search Results Record Found
Search Type
FELONY AND MISDEMEANOR RECORD SEARCH - SINGLE
LOCATION DUAL INDEX
Date of Search 26/Nov/2024
CID - 302609796
CID - 302609796
First Advantage Case ID WPS-302609796 Page 8 of 19 (Includes Associated Documents) Page 8 of 11
Search Period 11/08/2017 - 11/08/2024
Address Covered 10517 SOUTH LAWLER AVENUE
Address City Covered CHICAGO
Address County Covered COOK
Address State Covered IL
Address Zip 60638
Location 2650 S CALIFORNIA AVE CHICAGO COOK COUNTY Given Name Searched MIGUEL RENARD ROBINSON
Developed Name Searched MIGUEL M ROBINSON
Case Reference # 241********
Case Date 29/Jan/2024
Name on File MIGUEL ROBINSON
Address on File 253 159TH ST, HARVEY, IL
DoB on File XX/XX/XXXX
Driver's License on File IL, XXXXXXXXXXXXX
Charge RETAIL THEFT T/DISPLAY MERCHANDISE/greater than $300 Charge Type MISDEMEANOR
Disposition PENDING COURT DATE NOT AVAILABLE
Disposition Date 29/Jan/2024
Case Reference # 17CR1073001
Case Date 26/Jul/2017
Name on File MIGUEL ROBINSON
Address on File 1239 S. MILLARD AVE, CHICAGO, IL
DoB on File XX/XX/XXXX
Charge POSSESSION OF CONTROLLED SUBSTANCE EXCEPT (A) Charge Type FELONY
Disposition GUILTY
Disposition Date 02/Aug/2017
Sentence PRISON 30 MONTHS
Case Reference # 241********
Case Date 05/Jan/2024
Name on File MIGUEL R ROBINSON
CID - 302609796
CID - 302609796
First Advantage Case ID WPS-302609796 Page 9 of 19 (Includes Associated Documents) Page 9 of 11
Address on File 253 159TH ST, HARVEY, IL
DoB on File XX/XX/XXXX
Driver's License on File IL, XXXXXXXXXXXX
Charge RETAIL THEFT /DISPLAY MERCHANDISE/greater than $300 Charge Type MISDEMEANOR
Disposition PENDING COURT DATE NOT AVAILABLE
Disposition Date 05/Jan/2024
Case Reference # 17CR1338101
Case Date 13/Sep/2017
Name on File MIGUEL ROBINSON
Address on File 1239 S. MILLARD AVE, CHICAGO, IL
DoB on File XX/XX/XXXX
Charge POSSESSION OF CONTROLLED SUBSTANCE EXCEPT (A) Charge Type FELONY
Disposition GUILTY
Disposition Date 09/Jan/2018
Sentence
PRISON 3 YEARS; CREDIT TIME SERVED 95 DAYS;
CONCURRENT WITH 17CR1073001
Source Status History
Status Date Description
22/Nov/2024 04:46:43 PM Search in progress. Estimated completion by 11/27/2024 Remark
11/22/24: THIS SEARCH ALSO COVERS: 2354 WEST CHICAGO AVENUE, CHICAGO, COOK COUNTY, IL; 905 W 76TH ST FL 2, CHICAGO, COOK COUNTY, IL;
844 N AVERS AVE # 2, CHICAGO, COOK COUNTY, IL;
14127 LEAVITT AVE, BLUE ISLAND, COOK COUNTY, IL;
2908 175TH ST, HAZEL CREST, COOK COUNTY, IL;
3417 W FRANKLIN BLVD, CHICAGO, COOK COUNTY, IL;
Order Process History
Date Description
22/Nov/2024 04:44:38 PM Progressive Order Hold.
22/Nov/2024 04:45:54 PM Search In Progress.
22/Nov/2024 04:45:56 PM Search In Progress.
26/Nov/2024 07:31:24 PM Search In Progress.
27/Nov/2024 02:37:20 AM Emailed Candidate Requesting Driver's License Number and State of Issue: Delay Possible. 27/Nov/2024 07:31:43 AM Driver's License Number and State of Issue - Received From Candidate 27/Nov/2024 07:32:55 AM Driver's License Number and State of Issue - Received From Candidate 27/Nov/2024 12:13:10 PM Record Judged.
CID - 302609796
CID - 302609796
First Advantage Case ID WPS-302609796 Page 10 of 19 (Includes Associated Documents) Page 10 of 11
National Sex Offender Registry Search - Department Of Justice Web Site Status: Complete
Score: Eligible
Date Completed: 22/Nov/2024
Record Source NATIONAL SEX OFFENDER REGISTRY
Search Results No Record Found
Search Type
NATIONAL SEX OFFENDER REGISTRY SEARCH-DEPT OF
JUSTICE
Date of Search 22/Nov/2024
Search Period 11/08/2017 - 11/08/2024
Given Name Searched MIGUEL RENARD ROBINSON
Developed Name Searched MIGUEL M ROBINSON
Source Status History
Status Date Description
22/Nov/2024 04:46:43 PM Search in progress. Estimated completion by 11/25/2024 Order Process History
Date Description
22/Nov/2024 04:44:38 PM Progressive Order Hold.
22/Nov/2024 04:45:54 PM Search In Progress.
22/Nov/2024 04:45:57 PM Search In Progress.
22/Nov/2024 05:02:27 PM Record Judged.
First Advantage Global Sanction Search
Status: Complete
Score: Eligible
Date Completed: 22/Nov/2024
Record Source FIRST ADVANTAGE GLOBAL SANCTIONS DATABASE Search Results No Record Found
Search Type FIRST ADVANTAGE GLOBAL SANCTION SEARCH Date of Search 22/Nov/2024
Search Period 11/08/2017 - 11/22/2024
Location CONCOURSE PKWY ATLANTA FULTON COUNTY
Given Name Searched MIGUEL RENARD ROBINSON
Developed Name Searched MIGUEL M ROBINSON
Source Status History
Status Date Description
22/Nov/2024 04:46:43 PM Search in progress. Estimated completion by 11/25/2024 Order Process History
CID - 302609796
CID - 302609796
First Advantage Case ID WPS-302609796 Page 11 of 19 (Includes Associated Documents) Page 11 of 11
Date Description
22/Nov/2024 04:44:38 PM Progressive Order Hold.
22/Nov/2024 04:45:54 PM Search In Progress.
22/Nov/2024 04:45:56 PM Search In Progress.
22/Nov/2024 05:24:45 PM Search In Progress.
22/Nov/2024 05:24:45 PM Record Judged.
CID - 302609796
CID - 302609796
First Advantage Case ID WPS-302609796 Page 12 of 19 (Includes Associated Documents) 1
Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 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 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 NW, 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:
o a person has taken adverse action against you because of information in your credit report;
o you are the victim of identity theft and place a fraud alert in your file; o your file contains inaccurate information as a result of fraud; o you are on public assistance;
o 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 First Advantage Case ID WPS-302609796 Page 13 of 19 (Includes Associated Documents) 2
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-***-****.
• 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 First Advantage Case ID WPS-302609796 Page 14 of 19 (Includes Associated Documents) 3
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:
First Advantage Case ID WPS-302609796 Page 15 of 19 (Includes Associated Documents) 4
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
600 Pennsylvania Avenue NW
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
P.O. Box 53570
Houston, TX 77052
b. Federal Reserve Consumer Help Center
P.O. Box 1200
Minneapolis, MN 55480
c. Division of Depositor and Consumer Protection
National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106
d. National Credit Union Administration
Office of Consumer Financial Protection
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Assistant General Counsel for Office of Aviation Protection Department of Transportation
1200 New Jersey Avenue SE
Washington, DC 20590
4. Creditors Subject to the Surface Transportation Board Office of Public Assistance, Governmental Affairs, and Compliance Surface Transportation Board
395 E Street SW
Washington, DC 20423
5. Creditors Subject to the Packers and Stockyards Act, 1921
Nearest Packers and Stockyards Division Regional Office 6. Small Business Investment Companies Associate Administrator, Office of Capital Access United States Small Business
Contact this candidate