State Required Notices

Attention Applicants: If you are a resident of any of the following states, please review the additional rights afforded to
residents of that state.

California, Minnesota, or Oklahoma: If a consumer background report is ordered, would you like a free copy of the report
mailed to your home?  Yes  No (Note: Employer is required to mail applicant a copy if the box is checked yes.)

California: You have the right to access your file as maintained by the Consumer Reporting Agency (CRA) during normal
business hours. By submitting proper identification and paying any duplication costs, you have the options of requesting your file
via (1) mail [CRA not responsible for report after it leaves premises via mail] (2) in person at the CRA’s office during normal
business hours and on reasonable notice [you may be accompanied by one other person, provided that person furnishes proper
identification] or (3) a summary of the file by telephone. For information regarding the privacy policy of A-Check America, please
visit www.acheckamerica.com/about-us/privacy.aspx.

Maine: If requested, you have the right to be informed if (1) the Company ordered a background report on you and if ordered (2)
the name and address of the Consumer Reporting Agency (CRA) furnishing the report. You may request and receive from the
Company, within five business days of our receipt of your request, the name, address and telephone number of the CRA’s
nearest office. In addition, you have the right to request and promptly receive from all such CRAs copies of any such
investigative consumer reports.

Maryland or Oregon: If the Company obtains credit history information on you, it will be used to evaluate whether you would
present an unacceptable risk of theft or other dishonest behavior in the job for which you are being considered.

Massachusetts or New Jersey: If requested, you have the right to a copy of any background check report concerning you that
the Company has ordered. You may contact the Consumer Reporting Agency for a copy.

Minnesota: If you submit a request to us in writing, you have the right to get from the Company a complete and accurate
disclosure of the nature and scope of the consumer report or investigative consumer report ordered, if any.

New York: You have the right, upon written request, to be informed of whether or not a consumer report was requested. If a
consumer report is requested, you will be provided with the name and address of the consumer reporting agency furnishing the
report.

State of Washington: If the Company requests an investigative consumer report, you have the right, upon written request made
within a reasonable period of time after your receipt of this disclosure, to receive from the Company a complete and accurate
disclosure of the nature and scope of the investigation requested by the Company. You also have the right to request from the
CRA a written summary of your rights and remedies under the Washington Fair Credit Reporting Act.

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FCRA Summary of Rights
Para información en español, visite www.consumerfinance.gov/learnmore o escriba 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
1-888-567-8688.
• 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:

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FCRA Summary of Rights (cont.)

TYPE OF BUSINESS: CONTACT:

1.a. Banks, savings associations, and credit unions with total assets a. Consumer Financial Protection Bureau
of over $10 billion and their affiliates 1700 G Street NW
Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit
unions also should list, in addition to the CFPB: b. Federal Trade Commission: Consumer Response Center--
FCRA
Washington, DC 20580
(877) 382- 4357

2. To the extent not included in item 1 above: a. Office of the Comptroller of the Currency
Customer Assistance Group
a. National banks, federal savings associations, and federal 1301 McKinney Street, Suite 3450
branches and federal agencies of foreign banks Houston, TX 77010-9050

b. State member banks, branches and agencies of foreign banks b. Federal Reserve Consumer Help Center
(other than federal branches, federal agencies, and Insured State P.O. Box 1200
Branches of Foreign Banks), commercial lending companies owned Minneapolis, MN 55480
or controlled by foreign banks, and organizations operating under
section 25 or 25A of the Federal Reserve Act c. FDIC Consumer Response Center
1100 Walnut Street, Box #11
c. Nonmember Insured Banks, Insured State Branches of Foreign Kansas City, MO 64106
Banks, and insured state savings associations
d. National Credit Union Administration
d. Federal Credit Unions 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 the Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E. Street, S.W.
Washington, DC 20423

5. Creditors Subject to Packers and Stockyards Act, 1921 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 20416

7. Brokers and Dealers Securities and Exchange Commission

100 F St., N.E.
Washington, DC 20549

8. Federal Land Banks, Federal Land Bank Associations, Federal Farm Credit Administration
Intermediate Credit Banks, and Production Credit Associations 1501 Farm Credit Drive
McLean, VA 22102-5090

9. Retailers, Finance Companies, and All Other Creditors Not Listed FTC Regional Office for region in which the creditor operates or
Above Federal Trade Commission: Consumer Response Center – FCRA
Washington, DC 20580
(877) 382-4357

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