End-User De La
Resume:
Order # 185******* Ortiz, Jorge E
Order Status: Pre-Adverse Action Sent
Order Result: REVIEW
USA 1-888-***-****
*******.**********@*************.***
Europe +44 (0-208******* - Option 2
Confidential Background Screening Report
Important Disclosures
California Applicants/Employees Only: The report 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, and 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 the report. 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, as provided in Section 1786.26.
Sólo para los Solicitantes/Empleados de California: En el informe no se garantiza la exactitud o veracidad de la información en cuanto al tema de la investigación, sino sólo que se ha copiado exactamente de los registros públicos, y la información generada como resultado del robo de identidad, incluyendo las pruebas de una actividad delictiva, podría estar incorrectamente asociada con el consumidor que sea el sujeto del informe. Una agencia investigadora de informes de crédito deberá suministrarle a un consumidor que trate de obtener una copia de un informe o solicite revisar un archivo una notificación por escrito en inglés y español lisos y llanos, en la que se establezcan los términos y las condiciones de su derecho a recibir toda la información, como se dispone en la Sección 1786.26. This report or portions of this report may have been rated or scored pursuant to criteria provided by the end-user. The rating is merely to ease the reviewer(s) review of the report and does not indicate that any employment decision has been made. Regardless of any rating applied by Sterling based on the end-user's criteria, the end-user must review all reports to conduct a case-by-case individualized analysis before making any decision.
References to a specific "Level" in the Result Column or as indicated in a Component Title are based solely on an end-user's criteria and do not refer to any label used by any sex offender registry, government agency, or public record repository.
Sterling provides the information contained in this report to End-User to be used solely for a permissible purpose as defined in the Fair Credit Reporting Act. If the End-User intends to take adverse action based in whole or in part on the contents of this report, the End-User must provide the consumer with notices that it is taking adverse action and those notices must comply with the FCRA and state law. All information contained in this report is provided pursuant to the terms of the End- User Agreement. End-User further understands that it uses any and all information provided by Page 1 of 23
Sterling at its own risk and End-User is solely liable for complying with all federal, state, and local laws. The information contained in this report is confidential and may only be accessed by authorized employees of End-User, provided to the consumer about who it relates, or provided as otherwise required by law.
The scope of the criminal history search is governed by state and federal reporting restrictions and client request. Generally, records will be reported for 7 years. Due to state and federal reporting guidelines for consumer reporting agencies, records may or may not exist that may not be reported. Order Information
Account Name
GREAT WOLF LODGE
Account Location
MADISON, WI
Billing Code
KANSAS CITY
Created Date
2024-12-31
Completed Date
2025-01-07
Screening Package
TRUSST/NCA/RSOOFCR,
TRUSST/NCA/RSOOFCR
Alias
Add Ons
Managed Adverse Action
Candidate Information
First Name
Jorge
Middle Name
E
Last Name
Ortiz
Address
4147 Virginia Ave
Kansas City, MO 64110
Phone
*****************@*****.**
m
Report Summary
Search Identifier Status Result
SSN Trace XXX-XX-8215 Complete COMPLETE
County Court Search Ortiz, Jorge E, TX-HARRIS Complete CLEAR County Court Search Ortiz, Jorge E, KS-WYANDOTTE Complete CLEAR County Court Search Ortiz, Jorge E, MO-JACKSON Complete CONSIDER County Court Search Ortiz, George E, TX-HARRIS Complete CLEAR County Court Search Ortiz, Jose, KS-WYANDOTTE Complete CLEAR County Court Search Ortiz, George E, MO-JACKSON Complete CLEAR County Court Search Ortiz, Jose, MO-JACKSON Complete CLEAR County Court Search Ortiz, Jose, TX-HARRIS Complete CLEAR County Court Search Ortiz, George E, KS-WYANDOTTE Complete CLEAR County Court Search (Validator) Ortiz, Jose, MO-BOONE Complete CLEAR County Court Search (Validator) Ortiz, Jose, MO-CALLAWAY Complete CLEAR Page 2 of 23
Search Identifier Status Result
County Court Search (Validator) Ortiz, Jose, NM-BERNALILLO Complete CLEAR State Search (Validator)
Ortiz, Jose, CT-State of Connecticut Judicial
Branch
Complete CLEAR
State Search (Validator) Ortiz, Jose, RI-Rhode Island Judiciary Complete CLEAR County Court Search (Validator) Ortiz, Jose, NM-LUNA Complete CLEAR County Court Search (Validator) Ortiz, Jose, CA-SANTA CRUZ Complete CLEAR County Court Search (Validator) Ortiz, George E, CA-SAN BERNARDINO Complete CLEAR County Court Search (Validator) Ortiz, Jose, CA-SAN DIEGO Complete CLEAR County Court Search (Validator) Ortiz, Jorge E, CA-SAN BERNARDINO Complete CLEAR County Court Search (Validator) Ortiz, Jose, CA-SAN BERNARDINO Complete CLEAR DOJ Sex Offender Search Ortiz, Jose Complete CLEAR DOJ Sex Offender Search Ortiz, Jorge E Complete CLEAR DOJ Sex Offender Search Ortiz, George E Complete CLEAR Managed Adverse Action Ortiz, Jorge E, 4147 Virginia Ave Pending ETA 2025-01-
14
Enhanced Nationwide Criminal
Search
Ortiz, George E Complete COMPLETE
Enhanced Nationwide Criminal
Search
Ortiz, Jose Complete COMPLETE
Enhanced Nationwide Criminal
Search
Ortiz, Jorge E Complete COMPLETE
SSN Trace—XXX-XX-8215 COMPLETE
Data As Provided
SSN XXX-XX-8215
Last Name Ortiz
First Name Jorge
Page 3 of 23
Middle Name E
The provided social security number has returned potential matching information related to the subject of this report. This information is an investigative tool only and should not be used as the basis of any employment decision. Report requested on: 2024-12-31 Report completed on: 2024-12-31 Name Ortiz, Jorge E
SSN XXX-XX-8215
County Court Search—Ortiz, Jorge E, TX-HARRIS CLEAR Data As Provided Verified Data
Last Name Ortiz
First Name Jorge
Middle E
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction TX-HARRIS (2707)
Report requested on: 2024-12-31
Report completed on: 2024-12-31
County Court Search—Ortiz, Jorge E, KS-WYANDOTTE CLEAR Data As Provided Verified Data
Last Name Ortiz
First Name Jorge
Middle E
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction KS-WYANDOTTE (995)
Report requested on: 2024-12-31
Report completed on: 2025-01-02
County Court Search—Ortiz, Jorge E, MO-JACKSON CONSIDER Page 4 of 23
Data As Provided
Verified Data
Charges
Last Name Ortiz
First Name Jorge
Middle Name E
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction MO-JACKSON (1452)
Report requested on: 2024-12-31 Report completed on: 2024-12-31 Case Number 2116-CR03442-01
File Date 2021-12-29
Last Name ORTIZ
First Name JORGE
Middle Name E
DOB XXXX-11-12
Case Comments
Sentences:
Type: Jail
Length: 4 Years
Other: Suspended duration=4 Years
Type: Probation
Suspended: No
Length: 5 Years
Case Type Conviction
Case Level Felony
Filed Date 2021-06-12
Disposition Date 2022-06-21
Additional Info Address : 4147 Virginia Ave, Kansas City, 64110, MO, US, Next Court Date : 03/13/2025 Violation Date 2021-06-12
Type Felony
Original Charge Driving While Intoxicated - Persistent Page 5 of 23
Charges
Disposition Suspended Execution of Sentence - GUILTY Comments Charge Statute: 577.010
Case Number 1616-CR02647-01
File Date 2018-02-07
Last Name ORTIZ
First Name JORGE
Middle Name E
DOB XXXX-11-12
Case Type Conviction
Case Level Misdemeanor
Filed Date 2016-06-02
Disposition Date 2018-02-23
Additional Info Address : 4147 Virginia Ave, Kansas City, 64110, MO, US Violation Date 2016-06-02
Type Misdemeanor
Original Charge Driving While Intoxicated - Alcohol Disposition Guilty
Type: Jail
Suspended: No
Length: 92 Days
Sentence
Comments Charge Statute: 577.010
Case Number 2216-CR00321-01
File Date 2022-05-20
Last Name ORTIZ
First Name JORGE
Middle Name E.
DOB XXXX-11-12
Page 6 of 23
Charges
Charges
Case Comments
Sentences:
Type: Jail
Length: 5 Years
Other: Suspended duration=5 Years
Type: Probation
Suspended: No
Length: 5 Years
Case Type Conviction
Case Level Felony
Filed Date 2021-06-12
Disposition Date 2022-06-21
Additional Info Address : 4147 Virginia Ave, Kansas City, 64110, MO, US, Next Court Date : 03/13/2025 Violation Date 2021-06-12
Type Felony
Original Charge Unlawful Possession Of A Firearm
Disposition Suspended Execution of Sentence - GUILTY Comments Charge Statute: 571.070
Case Number 1516-CR03931-01
File Date 2016-07-08
Last Name ORTIZ
First Name JORGE
Middle Name E
DOB XXXX-11-12
Case Type Conviction
Case Level Misdemeanor
Filed Date 2015-09-12
Disposition Date 2018-02-23
Additional Info Address : 4147 Virginia Ave, Kansas City, 64110, MO, US Violation Date 2015-09-12
Type Misdemeanor
Original Charge Driving While Intoxicated - Alcohol - Prior Offender Disposition Suspended Execution of Sentence - GUILTY Page 7 of 23
Type: Probation
Suspended: No
Length: 2 Years
Type: Jail
Length: 180 Days
Other: Suspended duration=180 Days
Sentence
Comments Charge Statute: 577.010
County Court Search—Ortiz, George E, TX-HARRIS CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name GEORGE
Middle E
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction TX-HARRIS (2707)
Report requested on: 2024-12-31
Report completed on: 2024-12-31
County Court Search—Ortiz, Jose, KS-WYANDOTTE CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction KS-WYANDOTTE (995)
Report requested on: 2024-12-31
Report completed on: 2024-12-31
Page 8 of 23
County Court Search—Ortiz, George E, MO-JACKSON CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name GEORGE
Middle E
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction MO-JACKSON (1452)
Report requested on: 2024-12-31
Report completed on: 2024-12-31
County Court Search—Ortiz, Jose, MO-JACKSON CLEAR
Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction MO-JACKSON (1452)
Report requested on: 2024-12-31
Report completed on: 2025-01-03
County Court Search—Ortiz, Jose, TX-HARRIS CLEAR
Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Report requested on: 2024-12-31
Report completed on: 2024-12-31
Page 9 of 23
Race Unknown
Gender Unknown
Jurisdiction TX-HARRIS (2707)
County Court Search—Ortiz, George E, KS-WYANDOTTE CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name GEORGE
Middle E
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction KS-WYANDOTTE (995)
Report requested on: 2024-12-31
Report completed on: 2024-12-31
County Court Search (Validator)—Ortiz, Jose, MO-BOONE CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction MO-BOONE (1414)
Report requested on: 2024-12-31
Report completed on: 2025-01-04
County Court Search (Validator)—Ortiz, Jose, MO-CALLAWAY CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Report requested on: 2024-12-31
Report completed on: 2024-12-31
Page 10 of 23
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction MO-CALLAWAY (1418)
County Court Search (Validator)—Ortiz, Jose, NM-BERNALILLO CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction NM-BERNALILLO (1936)
Report requested on: 2024-12-31
Report completed on: 2024-12-31
State Search (Validator)—Ortiz, Jose, CT-State of Connecticut Judicial Branch CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
CT-State of Connecticut Judicial Branch
(3268)
Jurisdiction
Report requested on: 2024-12-31
Report completed on: 2025-01-01
State Search (Validator)—Ortiz, Jose, RI-Rhode Island Judiciary CLEAR Page 11 of 23
Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction RI-Rhode Island Judiciary (3841)
Report requested on: 2024-12-31
Report completed on: 2025-01-01
County Court Search (Validator)—Ortiz, Jose, NM-LUNA CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction NM-LUNA (1952)
Report requested on: 2024-12-31
Report completed on: 2024-12-31
County Court Search (Validator)—Ortiz, Jose, CA-SANTA CRUZ CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Report requested on: 2024-12-31
Report completed on: 2025-01-02
Page 12 of 23
Gender Unknown
Jurisdiction CA-SANTA CRUZ (232)
County Court Search (Validator)—Ortiz, George E, CA-SAN BERNARDINO CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name GEORGE
Middle E
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction CA-SAN BERNARDINO (224)
Report requested on: 2024-12-31
Report completed on: 2024-12-31
County Court Search (Validator)—Ortiz, Jose, CA-SAN DIEGO CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction CA-SAN DIEGO (225)
Report requested on: 2024-12-31
Report completed on: 2024-12-31
County Court Search (Validator)—Ortiz, Jorge E, CA-SAN BERNARDINO CLEAR Data As Provided Verified Data
Last Name Ortiz
First Name Jorge
Report requested on: 2024-12-31
Report completed on: 2025-01-02
Page 13 of 23
Middle E
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction CA-SAN BERNARDINO (224)
County Court Search (Validator)—Ortiz, Jose, CA-SAN BERNARDINO CLEAR Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Jurisdiction CA-SAN BERNARDINO (224)
Report requested on: 2024-12-31
Report completed on: 2025-01-03
DOJ Sex Offender Search—Ortiz, Jose CLEAR
Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Report requested on: 2024-12-31
Report completed on: 2025-01-02
Page 14 of 23
Limitations on the DOJ Sex Offender
Search.
1. NEVADA: This search does not provide
results from the State of Nevada, as by
both statute and regulation, information
from the Nevada Sex Offender Registry
web site cannot be used for employment
purposes and cannot be distributed
commercially.
2. OREGON: This search has special
conditions from the state of Oregon.
Information is only provided for sex
offenders who have been designated as
Predatory, as provided in ORS 181.585,
who have been determined to present the
highest risk of reoffending and to require
the widest range of notification or are
found to be a sexually violent dangerous
offender under ORS 144.635.
Case
Comments
DOJ Sex Offender Search—Ortiz, Jorge E CLEAR
Data As Provided Verified Data
Last Name Ortiz
First Name Jorge
Middle E
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Report requested on: 2024-12-31
Report completed on: 2025-01-02
Limitations on the DOJ Sex Offender
Search.
1. NEVADA: This search does not provide
results from the State of Nevada, as by
both statute and regulation, information
from the Nevada Sex Offender Registry
web site cannot be used for employment
purposes and cannot be distributed
commercially.
2. OREGON: This search has special
conditions from the state of Oregon.
Information is only provided for sex
offenders who have been designated as
Predatory, as provided in ORS 181.585,
who have been determined to present the
highest risk of reoffending and to require
the widest range of notification or are
found to be a sexually violent dangerous
offender under ORS 144.635.
Case
Comments
DOJ Sex Offender Search—Ortiz, George E CLEAR
Data As Provided Verified Data
Last Name ORTIZ
First Name GEORGE
Report requested on: 2024-12-31
Report completed on: 2024-12-31
Page 15 of 23
Middle E
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Limitations on the DOJ Sex Offender
Search.
1. NEVADA: This search does not provide
results from the State of Nevada, as by
both statute and regulation, information
from the Nevada Sex Offender Registry
web site cannot be used for employment
purposes and cannot be distributed
commercially.
2. OREGON: This search has special
conditions from the state of Oregon.
Information is only provided for sex
offenders who have been designated as
Predatory, as provided in ORS 181.585,
who have been determined to present the
highest risk of reoffending and to require
the widest range of notification or are
found to be a sexually violent dangerous
offender under ORS 144.635.
Case
Comments
Managed Adverse Action—Ortiz, Jorge E, 4147 Virginia Ave ETA 2025-01-14 Data As Provided Verified Data
Last Name Ortiz
First Name Jorge
Middle E
Name
Street 4147 Virginia Ave
Address
City Kansas City
State MO
Zip Code 64110
The results of this request are still pending completion. Expected completion date: 2025-01-14
Enhanced Nationwide Criminal Search—Ortiz, George E COMPLETE Data As Provided Verified Data
Last Name ORTIZ
First Name GEORGE
Middle E
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
Report requested on: 2024-12-31
Report completed on: 2024-12-31
Page 16 of 23
The Enhanced Nationwide search is a national database, made up of various state and local sources. It does not cover every US jurisdiction. The verified results can be found under the header of the appropriate jurisdiction on this report.
Enhanced Nationwide Criminal Search—Ortiz, Jose COMPLETE Data As Provided Verified Data
Last Name ORTIZ
First Name JOSE
Middle Not Provided
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
The Enhanced Nationwide search is a national database, made up of various state and local sources. It does not cover every US jurisdiction. The verified results can be found under the header of the appropriate jurisdiction on this report.
Report requested on: 2024-12-31
Report completed on: 2025-01-04
Enhanced Nationwide Criminal Search—Ortiz, Jorge E COMPLETE Data As Provided Verified Data
Last Name Ortiz
First Name Jorge
Middle E
Name
SSN XXX-XX-8215
DOB XXXX-11-12
Race Unknown
Gender Unknown
The Enhanced Nationwide search is a national database, made up of various state and local sources. It does not cover every US jurisdiction. The verified results can be found under the header of the appropriate jurisdiction on this report.
Report requested on: 2024-12-31
Report completed on: 2025-01-02
Page 17 of 23
Required Notices
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: 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 Page 18 of 23
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 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
Page 19 of 23
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
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 Consumer Protection
Page 20 of 23
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 Administration
409 Third Street SW, Suite 8200
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission 100 F Street NE
Washington, DC 20549
8. Institutions that are members of the Farm
Credit System
Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other
Creditors Not Listed Above
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580
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