Order # 1856632204 Colindres, Jesus David, Sr

Order Status: Complete (Archived)

USA 1 (888) 889-5248
Order Result: LEVEL1 dispute.resolution@fadv.com

Europe +44 (0)2087410000 - 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

Page 1 of 16
understands that it uses any and all information provided by 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.

For more information regarding the obligations of users of Consumer Reports under the FCRA, visit
http://fadv.com/Portals/0/Downloads/cfpb-notice-to-user-fcra.pdf

Order Information Candidate Information

Account Name Completed Date First Name Address

PBNA - WEST - BUENA 2025-05-06 Jesus 1513 West San Bernardino
PARK, CA Rd, Apt H
Screening Package Middle Name West Covina, CA 91790
Account Location (Z0173USA) - PBNA FL - David USA
BUENA PARK, CA MVR
Last Name Phone
Billing Code Add Ons Colindres (626) 676-1039
WL-USA0103 Managed State Compliance
Suffix Email
Created Date Sr colindresjesus61@gmail.co
2025-04-29 m

Report Summary

Search Identifier Status Result

SSN Trace XXX-XX-5058 Complete COMPLETE
County Court Search Colindres, Jesus David, CA-LOS ANGELES Complete LEVEL1
Drivers Record Colindres, Jesus David, CA-WXXXXXX3 Complete LEVEL3
Drug & Health Test - Urine: 5P XM Colindres, Jesus David, EChain Complete LEVEL1
2018 HHS
DOJ Sex Offender Search Colindres, Jesus David Complete LEVEL1

Managed State Compliance Colindres, Jesus David, 1513 West San Bernardino Complete COMPLETE
Rd, Apt H
Enhanced Nationwide Criminal Search Colindres, Jesus David Complete CLEAR

SSN Trace — XXX-XX-5058 COMPLETE

Data As Provided

SSN XXX-XX-5058
Last Name Colindres

Page 2 of 16
First Name Jesus
Middle Name David
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: 2025-04-29 Report completed on: 2025-04-29

Name Colindres, Jesus David
SSN XXX-XX-5058

County Court Search — Colindres, Jesus David, CA-LOS ANGELES LEVEL1

Data As Provided Verified Data

Last Name Colindres Report requested on: 2025-04-29

Report completed on: 2025-04-29
First Name Jesus
Middle David
Name
SSN XXX-XX-5058
DOB XXXX-10-14
Race Unknown
Gender Unknown
Jurisdiction CA-LOS ANGELES (207)

Drivers Record — Colindres, Jesus David, CA-WXXXXXX3 LEVEL3

Data As Provided Verified Data

Last Name Colindres Report requested on: 2025-04-29

Report completed on: 2025-04-30
First Name Jesus
License —
Middle David Number
Name
Last Name COLINDRESVILLALOBOS
DOB XXXX-10-14
First Name JESUS
Gender Unknown
Middle D
License WXXXXXX3 Name
Number
DOB XXXX-10-14
State CA-DEPT MOTOR VEHICLES (3262)
Age 19
Last Name Colindres
on License Country US
First Name Jesus
on License

Page 3 of 16
Middle David Miscellaneo Miscellaneous: THIS REPORT DOES NOT
Name on us and GUARANTEE THE ACCURACY OR
License State- TRUTHFULNESS OF THE INFORMATIONAS
Specific TO THE SUBJECT OF THE INVESTIGATION,
Information BUT ONLY THAT IT IS ACCURATELY
COPIEDFROM PUBLIC RECORDS, AND
INFORMATION GENERATED AS A RESULT
OF IDENTITY THEFT,INCLUDING EVIDENCE
OF CRIMINAL ACTIVITY, MAY BE
INACCURATELY ASSOCIATED WITHTHE
CONSUMER WHO IS THE SUBJECT OF THE
REPORT. AN INVESTIGATIVE
CONSUMERREPORTING AGENCY SHALL
PROVIDE A CONSUMER SEEKING TO
OBTAIN A COPY OF A REPORTOR MAKING
A REQUEST TO REVIEW A FILE, A WRITTEN
NOTICE IN SIMPLE, PLAINENGLISH AND
SPANISH SETTING FOR THE TERMS AND
CONDITIONS OF HIS OR HER RIGHTTO
RECEIVE ALL DISCLOSURES, AS PROVIDED
IN CA CIVIL CODE SECTION 1786.26.
Miscellaneous: EXPIRATION DATES IN THIS
DOCUMENT MAY HAVE BEEN EXTENDED
PURSUANT TO EXECUTIVEOR LEGISLATIVE
ACTION OF THE ISSUING JURISDICTION
RELATED TO COVID-19.PLEASE CONSULT
WITH THE JURISDICTION FOR FURTHER
DETAILS.

Licenses

License C
Class
License Valid
Status
Issue Date 2025-03-10
Expiration 2029-10-14
Date
Country US
License WXXXXXX3
Number
State CA
License PERSONAL
Type
Additional LicenseClassDescription: NON-
License COMMERCIAL
Informatio
n

License Valid
Status
Issue Date 2024-12-31
Expiration 2030-10-14
Date

Page 4 of 16
 Country US
License WXXXXXX3
Number
State CA
License IDENTIFICATION
Type

Drug & Health Test - Urine: 5P XM 2018 HHS — Colindres, Jesus David, EChain LEVEL1

Data As Provided

Last Name Colindres

First Name Jesus
Middle Name David
Chain of Custody EChain
Test Type DHS40000-Urine: 5P XM 2018 HHS (7824)

Verified Data

Report requested on: 2025-04-29 Report completed on: 2025-05-04

Lab Name Labcorp
Request Form ID 0596120641
SUBJECTID XXXXX5058
Collected 2025-05-01
Received 2025-05-03
Reported 2025-05-03
Specimen 0596120641
Test Reason Pre-Employment

Page 5 of 16
MRO Results
Negative

A Negative result refers to a specimen with no confirmed presence of any

substance tested.

MDMA/MDA: NEGATIVE
PHENCYCLIDINE: NEGATIVE
AMPHETAMINES: NEGATIVE
OPIATES: NEGATIVE
6-ACETYL MORPHINE: NEGATIVE
COCAINE: NEGATIVE
HYDROCODONE/HYDROMORPHONE: NEGATIVE
OXYCODONES: NEGATIVE

The laboratory analysis for Amphetamines includes screening for

Amphetamines as well as Methamphetamines; consequently, a negative result for
Amphetamines represents a negative result for both Amphetamines and
Methamphetamines.

COMMENTS:

MEDICAL REVIEW OFFICER: Dr Philip A Lopez

18241 Daybreak Dr.
Boca Raton, FL 33496
Phone: (888) 382-2281

Lab Details
Regulation: Non-DOT
Lab Account: 107571
Collector:

Collection Site: Labcorp

1127 S FREMONT AVE Suite C
ALHAMBRA, CA 91803
6264578903 Ext:

DOJ Sex Offender Search — Colindres, Jesus David LEVEL1

Data As Provided Verified Data

Last Name Colindres Report requested on: 2025-04-29

Report completed on: 2025-04-29
First Name Jesus
Middle David
Name
SSN XXX-XX-5058
DOB XXXX-10-14
Race Unknown
Gender Unknown

Page 6 of 16
 Case Limitations on the DOJ Sex Offender
Comments 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.

Managed Compliance — Colindres, Jesus David, 1513 West San Bernardino Rd, Apt H COMPLETE

Data As Provided Verified Data

Last Name Colindres Report requested on: 2025-05-05

Report completed on: 2025-05-06
First Name Jesus
Date 2025-05-05
Middle David
Name Action Report Emailed at
(colindresjesus61@gmail.com)
Street 1513 West San Bernardino Rd, Apt H
Address
City West Covina
State CA
Country USA
Zip Code 91790
Managed Electronic
Compliance
Type

Enhanced Nationwide Criminal Search — Colindres, Jesus David CLEAR

Data As Provided Verified Data

Last Name Colindres Report requested on: 2025-04-29

Report completed on: 2025-04-29
First Name Jesus
Middle David
Name
SSN XXX-XX-5058

Page 7 of 16
DOB XXXX-10-14
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.

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 8 of 16
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.

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 9 of 16
 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 a. Consumer Financial Protection Bureau
unions with total assets of over $10 billion and 1700 G Street, NW
their affiliates Washington, DC 20552

b. Such affiliates that are not banks, savings b. Federal Trade Commission
associations, or credit unions also should list, in Consumer Response Center
addition to the CFPB: 600 Pennsylvania Avenue, NW
Washington, DC 20580
(877) 382-4357

2. To the extent not included in item 1 above: a. Office of the Comptroller of the Currency
a. National banks, federal savings associations, Customer Assistance Group
and federal branches and federal agencies of P.O. Box 53570
foreign banks Houston, TX 77052

b. State member banks, branches and agencies b. Federal Reserve Consumer Help Center
of foreign banks (other than federal branches, P.O. Box 1200
federal agencies, and Insured State Branches of Minneapolis, MN 55480
Foreign Banks), commercial lending companies
owned or controlled by foreign banks, and c. Division of Depositor and Consumer Protection
organizations operating under section 25 or 25A National Center for Consumer and Depositor
of the Federal Reserve Act. Assistance
Federal Deposit Insurance Corporation
c. Nonmember Insured Banks, Insured State 1100 Walnut Street, Box #11
Branches of Foreign Banks, and insured state Kansas City, MO 64106
savings associations
d. National Credit Union Administration
d. Federal Credit Unions Office of Consumer Financial Protection
1775 Duke Street
Alexandria, VA 22314

3. Air carriers Assistant General Counsel for Office of Aviation

Consumer Protection

Page 10 of 16
 Department of Transportation
1200 New Jersey Avenue SE
Washington, DC 20590

4. Creditors Subject to the Surface Office of Public Assistance, Governmental Affairs,

Transportation Board and Compliance Surface Transportation Board
395 E Street SW
Washington, DC 20423

5. Creditors Subject to the Packers and Nearest Packers and Stockyards Division
Stockyards Act, 1921 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 Farm Credit Administration

Credit System 1501 Farm Credit Drive
McLean, VA 22102-5090

9. Retailers, Finance Companies, and All Other Federal Trade Commission

Creditors Not Listed Above Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580
(877) 382-4357

NEW YORK CORRECTION LAW

ARTICLE 23-A
LICENSURE AND EMPLOYMENT OF PERSONS PREVIOUSLY
CONVICTED OF ONE OR MORE CRIMINAL OFFENSES
Section 750. Definitions.
751. Applicability.
752. Unfair discrimination against persons previously convicted of one or more criminal offenses
prohibited.
753. Factors to be considered concerning a previous criminal conviction; presumption.
754. Written statement upon denial of license or employment.
755. Enforcement.
§750. Definitions. For the purposes of this article, the following terms shall have the following meanings:
“Public agency” means the state or any local subdivision thereof, or any state or local department, agency,
board or commission.
“Private employer” means any person, company, corporation, labor organization or association which
employs ten or more persons.
“Direct relationship” means that the nature of criminal conduct for which the person was convicted has a
direct bearing on his fitness or ability to perform one or more of the duties or responsibilities necessarily
related to the license, opportunity, or job in question.

Page 11 of 16
 “License” means any certificate, license, permit or grant of permission required by the laws of this state,
its political subdivisions or instrumentalities as a condition for the lawful practice of any occupation,
employment, trade, vocation, business, or profession. Provided, however, that "license" shall not, for the
purposes of this article, include any license or permit to own, possess, carry, or fire any explosive, pistol,
handgun, rifle, shotgun, or other firearm.
“Employment” means any occupation, vocation or employment, or any form of vocational or educational
training. Provided, however, that “employment” shall not, for the purposes of this article, include
membership in any law enforcement agency.
§751. Applicability. The provisions of this article shall apply to any application by any person for a license
or employment at any public or private employer, who has previously been convicted of one or more
criminal offenses in this state or in any other jurisdiction, and to any license or employment held by any
person whose conviction of one or more criminal offenses in this state or in any other jurisdiction
preceded such employment or granting of a license, except where a mandatory forfeiture, disability or
bar to employment is imposed by law, and has not been removed by an executive pardon, certificate of
relief from disabilities or certificate of good conduct. Nothing in this article shall be construed to affect
any right an employer may have with respect to an intentional misrepresentation in connection with an
application for employment made by a prospective employee or previously made by a current employee.
§752. Unfair discrimination against persons previously convicted of one or more criminal offenses
prohibited. No application for any license or employment, and no employment or license held by an
individual, to which the provisions of this article are applicable, shall be denied or acted upon adversely
by reason of the individual's having been previously convicted of one or more criminal offenses, or by
reason of a finding of lack of “good moral character” when such finding is based upon the fact that the
individual has previously been convicted of one or more criminal offenses, unless:
There is a direct relationship between one or more of the previous criminal offenses and the specific
license or employment sought or held by the individual; or
The issuance or continuation of the license or the granting or continuation of the employment would
involve an unreasonable risk to property or to the safety or welfare of specific individuals or the general
public.
§753. Factors to be considered concerning a previous criminal conviction; presumption.
In making a determination pursuant to section seven hundred fifty-two of this chapter, the public agency
or private employer shall consider the following factors:
a. The public policy of this state, as expressed in this act, to encourage the licensure and employment of
persons previously convicted of one or more criminal offenses.
b. The specific duties and responsibilities necessarily related to the license or employment sought or held
by the person.
c. The bearing, if any, the criminal offense or offenses for which the person was previously convicted will
have on his fitness or ability to perform one or more such duties or responsibilities.
d. The time which has elapsed since the occurrence of the criminal offense or offenses.
e. The age of the person at the time of occurrence of the criminal offense or offenses.
f. The seriousness of the offense or offenses.
g. Any information produced by the person, or produced on his behalf, in regard to his rehabilitation and
good conduct.
h. The legitimate interest of the public agency or private employer in protecting property, and the safety
and welfare of specific individuals or the general public.
In making a determination pursuant to section seven hundred fifty-two of this chapter, the public agency
or private employer shall also give consideration to a certificate of relief from disabilities or a certificate of
good conduct issued to the applicant, which certificate shall create a presumption of rehabilitation in
regard to the offense or offenses specified therein.
§754. Written statement upon denial of license or employment. At the request of any person previously
convicted of one or more criminal offenses who has been denied a license or employment, a public
agency or private employer shall provide, within thirty days of a request, a written statement setting forth
the reasons for such denial.
§755. Enforcement.

Page 12 of 16
In relation to actions by public agencies, the provisions of this article shall be enforceable by a proceeding
brought pursuant to article seventy-eight of the civil practice law and rules.
In relation to actions by private employers, the provisions of this article shall be enforceable by the
division of human rights pursuant to the powers and procedures set forth in article fifteen of the
executive law, and, concurrently, by the New York city commission on human rights.

Summary of Your Rights under California Civil Code 1786.22

An investigative consumer reporting agency ("Agency") will supply files and information that
you have a right to inspect during normal business hours and on reasonable notice. All files
that Sterling maintains on you will be made available for your visible inspection, as follows:
In person, if you appear in person and furnish proper identification. A copy of the file
will also be available to you for a fee not to exceed the actual costs of copying.
By certified mail, if you make a written request to, with proper identification, for copies
to be sent to a specified address. However, agencies complying with a request for such
a mailing will not be liable for disclosures to third parties caused by mishandling of
mail after it leaves the Agency.
A summary of all information contained in your file and required to be provided to you
under the California Civil code will be provided by telephone, if you have made a
written request, with proper identification.
"Proper identification" includes documents such as a valid driver's license, social
security account number, military identification card, and credit cards. Only if you
cannot identify yourself with such information may the Agency require additional
information concerning your employment and personal or family history in order to
verify his identity.
The Agency will provide trained personnel to explain any information furnished to you
pursuant to Civil Code 1786.10. The Agency will provide a written explanation of any
coded information contained in your file. This written explanation shall be distributed
whenever a file is provided to you for visual inspection.
You may be accompanied by one other person of your choice when you come to
inspect your file. This person must furnish reasonable identification. The Agency may
require you to furnish a written statement granting permission to the Agency to
discuss your file in your companion's presence.

Resumen de sus derechos bajo el Código Civil de California 1786.22

Una agencia de informes de investigación de consumidores ("Agencia") proporcionará
archivos e información que usted tiene derecho a inspeccionar durante el horario comercial
normal y con un aviso razonable. Todos los archivos que Sterling mantenga acerca de usted
serán puestos a su disposición para inspección visual, como sigue:
En persona, si usted comparece en persona y proporciona la identificación apropiada.
Se pondrá asimismo a disposición suya una copia del informe por un costo no superior

Page 13 of 16
 al costo efectivo de hacer las copias.
Por correo certificado, si usted efectúa una solicitud escrita, con identificación
apropiada, para que se envíen copias a una dirección especificada. No obstante, las
agencias que cumplan con una solicitud de tal tipo de envío por correo no serán
responsables de las divulgaciones a terceros causadas por un manejo inapropiado del
correo una vez que salga de la Agencia.
Se proporcionará por teléfono un resumen de toda la información contenida en su
archivo y que se requiera que sea proporcionada en virtud del Código Civil de
California, si usted efectúa una solicitud escrita, con identificación apropiada.
El término "Identificación apropiada" incluye documentos tales como una licencia
válida para número de cuenta del Seguro Social, tarjeta de identificación militar, y
tarjetas de crédito. Únicamente si usted no puede identificarse con tal información la
Agencia podrá requerir informacián adicional en relacián con su empleo e historial
personal o familiar para verificar su identidad.
La Agencia proporcionará personal capacitado para explicar cualquier información
proporcionada a usted de conformidad con el Código Civil 1786.10. La Agencia
proporcionará una explicación escrita de cualquier información codificada contenida
en su archivo. Esta explicación escrita será distribuida siempre que un archivo le sea
proporcionado a usted para inspección visual.
Usted puede estar acompañado por otra persona de su elección cuando venga a
inspeccionar su archivo. Esta persona debe proporcionar una identificación razonable.
La Agencia puede requerir que usted proporcione una declaración escrita concediendo
permiso a la Agencia para hablar de su archivo en presencia de la persona que le
acompañe.

California Consumers Have the Right to Obtain a Security Freeze

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.

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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(s): TransUnion: 888-909-8872, Experian: 888-397-3742, Equifax: 800-685-1111 (NY residents
please call 1-800-349-9960). TransUnion, Experian and Equifax can also be reached at the following
addresses:
TransUnion LLC
P.O. Box 2000
Chester, PA 19016
https://freeze.transunion.com
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
https://www.experian.com/freeze
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
https://www.equifax.com/personal/credit-report-services/credit-freeze/
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 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 cellular phone or
other new account, including an extension of credit at point of sale. When you place a security freeze on
your credit report, you will be provided a personal identification number or password to use if you
choose to remove the freeze on your credit report or authorize the release of your credit report for a
specific party or period of time after the freeze is in place. To provide that authorization you must contact
the consumer credit reporting agency and provide all of the following:
(1) The personal identification number or password.
(2) Proper identification to verify your identity.
(3) The proper information regarding the third party who is to receive the credit report or the period of
time for which the report shall be available to users of the credit report.
A consumer credit reporting agency must authorize the release of your credit report no later than three
business days after receiving the above information.
A security freeze does not apply when you have an existing account and a copy of your report is
requested by your existing creditor or its agents or affiliates for certain types of account review,
collection, fraud control, or similar activities.

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If you are actively seeking credit, you should understand that the procedures involved in lifting a security
freeze may slow your application for credit. You should plan ahead and lift a freeze, either completely if
you are shopping around, or specifically for a certain creditor, before applying for new credit.
A consumer credit reporting agency may not charge a fee to a consumer for placing or removing a
security freeze if the consumer is a victim of identity theft and submits a copy of a valid police report or
valid Department of Motor Vehicles investigative report. A person 65 years of age or older with proper
identification shall not be charged a fee for placing an initial security freeze, but may be charged a fee of
no more than five dollars ($5) for lifting, removing or replacing a security freeze. All other consumers may
be charged a fee of no more than ten dollars ($10) for each of these steps.
You have a right to bring civil action against anyone, including a consumer credit reporting agency, who
improperly obtains access to a file, knowingly or willfully misuses file data, or fails to correct inaccurate
file data.
If you are a victim of identity theft and provide to a consumer credit reporting agency a copy of a valid
police report or a valid investigative report made by a Department of Motor Vehicles investigator with
peace officer status describing your circumstances, the following shall apply:
(1) You have a right to have any information you list on the report as allegedly fraudulent promptly
blocked so that the information cannot be reported. The information will be unblocked only if (A) the
information you provide is a material misrepresentation of the facts, (B) you agree that the information is
blocked in error, or (C) you knowingly obtained possession of goods, services, or moneys as result of the
blocked transactions. If blocked information is unblocked, you will be promptly notified.
(2) You have a right to receive, free of charge and upon request, one copy of your credit report each
month for up to 12 consecutive months.

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