Background Consent
Background Consent
New York and Maine applicants or employees only: You have the right to inspect and receive a copy of any investigative consumer report requested by the
Company by contacting the consumer reporting agency identified above directly. You may also contact the Company to request the name, address and telephone
number of the nearest unit of the consumer reporting agency designated to handle inquiries, which the Company shall provide within 5 days.
New York applicants or employees only: Upon request, you will be informed whether or not a consumer report was requested by the Company, and if such report
was requested, informed of the name and address of the consumer reporting agency that furnished the report.
Oregon applicants or employees only: Information describing your rights under federal and Oregon law regarding consumer identity theft protection, the storage and
disposal of your credit information, and remedies available should you suspect or find that the Company has not maintained secured records is available to you upon
request.
Washington State applicants or employees only: You also have the right to request from the consumer reporting agency a written summary of your rights and
remedies under the Washington Fair Credit Reporting Act.
California applicants or employees only: By signing below, you also acknowledge receipt of the NOTICE REGARDING BACKGROUND
INVESTIGATION PURSUANT TO CALIFORNIA LAW. Please check this box if you would like to receive a copy of an investigative consumer
report or consumer credit report if one is obtained by the Company at no charge whenever you have a right to receive such a copy under
California law.
_____________ ___________________________________________________________
DATE PRINT NAME (First, Middle, Last)
_________________________________________________
SIGNATURE OF EMPLOYEE OR PROSPECTIVE EMPLOYEE
___________________________________________
SOCIAL SECURITY NUMBER
___________________________________________
Date of Birth (For Background Purposes Only)
___________________________________________
Driver License Number State
Current Address:
_____________________________________________________________________________________________________________
Previous Addresses (Last 7 years):
_____________________________________________________________________________________________________________
_____________________________________________________________________________________________________________
_____________________________________________________________________________________________________________
Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection
Bureau, 1700 G Street N.W., Washington, DC 20552.
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of
consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and
specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history
records). Here is a summary of your major rights under the FCRA. For more information, including information about
additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G
Street N.W., Washington, DC 20552.
• You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of
consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against
you – must tell you, and must give you the name, address, and phone number of the agency that provided the information.
• You have the right to know what is in your file. You may request and obtain all the information about you in the files of a
consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include
your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
• a person has taken adverse action against you because of information in your credit report;
• you are the victim of identity theft and place a fraud alert in your file;
• your file contains inaccurate information as a result of fraud;
• you are on public assistance;
• you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit
bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for
additional information.
• You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on
information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or
distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you
will receive credit score information for free from the mortgage lender.
• You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is
incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute
is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
• Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate,
incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer
reporting agency may continue to report information it has verified as accurate.
• Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting
agency may not report 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 (1-888-567-8688).
• 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:
a. National banks, federal savings associations, and federal a. Office of the Comptroller of the Currency
branches and federal agencies of foreign banks Customer Assistance Group
1301 McKinney Street, Suite 3450
b. State member banks, branches and agencies of foreign banks Houston, TX 77010-9050
(other than federal branches, federal agencies, and Insured State
Branches of Foreign Banks), commercial lending b. Federal Reserve Consumer Help Center
companies owned or controlled by foreign banks, and P.O. Box 1200
organizations operating under section 25 or 25A of the Federal Minneapolis, MN 55480
Reserve Act
c. FDIC Consumer Response Center
c. Nonmember Insured Banks, Insured State Branches of Foreign 1100 Walnut Street, Box #11
Banks, and insured state savings associations Kansas City, MO 64106