Background Report

Confidential
HAYTHAM F MARZOUK ROBERT HALF If you are a Please contact the First Advantage Consumer
XXX-XX-XXXX 2613 CAMINO RAMON First Center at:
CID - 249777018 SAN RAMON, CA 94583-4289 Advantage 1-800-845-6004 Toll Free (within the U.S.)
Consumer +1 971-280-8128 Toll Number (outside the U.S.)
Or visit
http://fadv.com/our-company/contact-support.aspx
for local contact details
First Please contact the CHARLOTTE EMPLOYMENT
Advantage SERVICE CENTER at:
Customers (800)888-5773 (outside North America +1
971-280-8128)

IMPORTANT NOTICE UNDER CALIFORNIA LAW

First Advantage 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.
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 this report. In California,
First Advantage 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 no garantiza la exactitud o veracidad de la información en cuanto al objeto de

la investigación, sino que solamente copia la información de los archivos públicos con
exactitud. La información generada a raíz del robo de identidad, incluyendo evidencia de
actividad criminal, puede ser incorrectamente asociada con el consumidor objeto de este
informe. El cliente está de acuerdo y certifica que al ordenar y usar este informe está en
estricto cumplimiento de cualesquiera leyes o regulaciones locales, estatales y federales que
sean aplicables.

Page 1
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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.

Enterprise Advantage

CID - 249777018 Page 2 of 19

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General Consumer Information

TECHNOLOGY CONTRACT -
Consumer's Name HAYTHAM F MARZOUK Practice Group
0105
Client Name ROBERT HALF Work Location Type HYBRID

The following consumer information was used in the production of this report:
Last Name, First Name, Middle Name, SSN, Date of Birth, Address

708 SPINDRIFT DR
SSN XXX-XX-XXXX Address
SAN JOSE, CA 95134
Date of Birth XX/XXX/XXXX
Consumer Contact (415)888-0799 Consumer Alternate Contact
Other Names
Not Provided

Information Regarding this Order:

Position Applied For Date Ordered 17/Feb/2023 04:29:53 AM

Background Check Completion
13/Mar/2023 12:42:46 AM Report Last Updated on 13/Mar/2023 12:42:46 AM
Date
Date Report Printed 13/Mar/2023 08:20:19 PM Report ETA 22/Feb/2023
Revised Report ETA 17/Mar/2023
Self-Disclosed Criminal History

None

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 - 249777018 Page 3 of 19

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First Advantage Background Report Summary

Consumer's Name HAYTHAM F MARZOUK Date Ordered: 17/Feb/2023 04:29:53 AM

Background Check Completion
13/Mar/2023 12:42:46 AM
Date:
Score Result Eligible
Package Name: 0 - ADMITTED HITS
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 SAN JOSE, SANTA
Complete No Eligible
CLARA, CA
Felony, Misdemeanor Or Other Complete Yes**
Felony, Misdemeanor Or Other PLEASANT HILL, CONTRA COSTA,
Complete No Eligible
CA
Felony, Misdemeanor Or Other IRWIN, WESTMORELAND, PA Complete No Eligible
Felony, Misdemeanor Or Other SAN JOSE, SANTA CLARA, CA Complete No Eligible
Felony, Misdemeanor Or Other SAN MATEO, SAN MATEO, CA Complete Yes** Decisional**
Global Sanction Search Complete No
First Advantage Global Sanction Search Complete No Eligible
Additional Searches Ordered
NONE
Score Status
03/13/2023
Comments
RH final determination

* 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.

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Status: Complete
Social Security Verification
Score: Pass
Date Completed: 17/Feb/2023

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

Remarks and/or Social Security Alerts

02/17/23: SUBJECT NAME RETURNED MATCHED WITH A DEVELOPED NAME.

02/17/23: AN ADDRESS DISCREPANCY WAS FOUND. SUBJECT ADDRESS DOES NOT MATCH ADDRESS ON FILE.

02/17/23: NO ALERTS RETURNED FROM SEARCH.

Order Process History
Date Description
17/Feb/2023 04:29:53 AM Search In Progress.
17/Feb/2023 04:29:54 AM Record Judged.

Status: Complete
First Advantage National Criminal File Plus SAN JOSE, SANTA CLARA, CA
Score: Eligible
Date Completed: 17/Feb/2023

Record Source DATABASE SEARCH

Search Results No Record Found

Search Type First Advantage National Criminal File Plus Search

Date of Search 17/Feb/2023

Address Covered 708 SPINDRIFT DR

Address City Covered SAN JOSE

Address County Covered SANTA CLARA

Address State Covered CA

Address Zip 95134

Given Name Searched HAYTHAM F MARZOUK

HAYTHAM S MARZOUK, HAYTHAM MARZOUK, HAYTHAM S

Developed Name Searched
FATHY

Order Process History

CID - 249777018 Page 5 of 19

 CID - 249777018

Date Description
17/Feb/2023 04:29:53 AM Record Ordered.
17/Feb/2023 04:34:07 AM Search In Progress.
17/Feb/2023 04:34:08 AM Record Judged.

Status: Complete
Felony, Misdemeanor Or Other PLEASANT HILL, CONTRA COSTA, CA
Score: Eligible
Date Completed: 18/Feb/2023

CONTRA COSTA COUNTY SUPERIOR AND MUNICIPAL

Record Source
COURTS

Search Results No Record Found

Search Type FELONY & MISDEMEANOR RECORD SEARCH

Date of Search 17/Feb/2023

Search Period 02/03/2016 - 02/17/2023

Address Covered 313 COUNTRY VIEW LN APT B

Address City Covered PLEASANT HILL

Address County Covered CONTRA COSTA

Address State Covered CA

Address Zip 94523-1158

Location 725 COURT STREET MARTINEZ CONTRA COSTA COUNTY

Given Name Searched HAYTHAM F MARZOUK

Developed Name Searched HAYTHAM S FATHY, HAYTHAM S MARZOUK

Source Status History

Status Date Description
17/Feb/2023 04:30:51 AM Search in progress. Estimated completion by 02/22/2023
Order Process History
Date Description
17/Feb/2023 04:29:53 AM Search In Progress.
17/Feb/2023 04:30:12 AM Search In Progress.
17/Feb/2023 05:26:50 PM Search In Progress.
18/Feb/2023 02:21:33 AM Record Judged.

Status: Complete
Felony, Misdemeanor Or Other IRWIN, WESTMORELAND, PA
Score: Eligible
Date Completed: 17/Feb/2023

Record Source WESTMORELAND COURT OF COMMON PLEAS-CRIMINAL

Search Results No Record Found

Search Type FELONY & MISDEMEANOR RECORD SEARCH

CID - 249777018 Page 6 of 19

 CID - 249777018

Date of Search 17/Feb/2023

Search Period 02/03/2016 - 02/03/2023

Address Covered 2000 COMMERCE LOOP STE 2111

Address City Covered IRWIN

Address County Covered WESTMORELAND

Address State Covered PA

Address Zip 15642-8111

CRIMINAL DIVISION, 203 COURTHOUSE SQUARE

Location
GREENSBURG WESTMORELAND COUNTY

Given Name Searched HAYTHAM F MARZOUK

Developed Name Searched HAYTHAM S MARZOUK, HAYTHAM S FATHY

Source Status History

Status Date Description
17/Feb/2023 04:30:51 AM Search in progress. Estimated completion by 02/21/2023
Order Process History
Date Description
17/Feb/2023 04:29:53 AM Search In Progress.
17/Feb/2023 04:30:10 AM Search In Progress.
17/Feb/2023 07:37:36 AM Search In Progress.
17/Feb/2023 11:13:54 AM Record Judged.

Status: Complete
Felony, Misdemeanor Or Other SAN JOSE, SANTA CLARA, CA
Score: Eligible
Date Completed: 12/Mar/2023

SANTA CLARA COUNTY SUPERIOR AND MUNICIPAL

Record Source
COURTS

Search Results No Record Found

Search Type FELONY & MISDEMEANOR RECORD SEARCH

Date of Search 12/Mar/2023

Search Period 02/03/2016 - 03/12/2023

Address Covered PO BOX 640381

Address City Covered SAN JOSE

Address County Covered SANTA CLARA

Address State Covered CA

Address Zip 95164-0381

190 WEST HEDDING STREET SAN JOSE SANTA CLARA

Location
COUNTY

Given Name Searched HAYTHAM F MARZOUK

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Developed Name Searched HAYTHAM S FATHY, HAYTHAM S MARZOUK

Source Status History

Status Date Description
10/Mar/2023 07:06:19 PM Additional handling required. Estimated completion by 03/17/2023
03/Mar/2023 11:02:13 AM Additional handling required. Estimated completion by 03/10/2023
03/Mar/2023 08:30:54 AM Additional handling required. Estimated completion by 03/07/2023
28/Feb/2023 06:40:37 PM Additional handling required. Estimated completion by 03/07/2023
17/Feb/2023 04:45:25 AM Additional handling required. Estimated completion by 02/28/2023
17/Feb/2023 04:30:50 AM Search in progress. Estimated completion by 02/22/2023
Remark
02/17/23: THIS SEARCH ALSO COVERS: 2919 MOSS POINT DR, SAN JOSE, SANTA CLARA COUNTY, CA;
772 LEWIS ST, SANTA CLARA, SANTA CLARA COUNTY, CA;
409 BUNDY AVE APT 4, SAN JOSE, SANTA CLARA COUNTY, CA;
708 SPINDRIFT DR, SAN JOSE, SANTA CLARA COUNTY, CA;
3500 GRANADA AVE, SANTA CLARA, SANTA CLARA COUNTY, CA;
555 UMBERGER, SAN JOSE, SANTA CLARA COUNTY, CA;
408 BUNDY AVE, SAN JOSE, SANTA CLARA COUNTY, CA;
SANTA CLARA, SANTA CLARA COUNTY, CA;
772 LEWIS ST, SANTA CLARA, SANTA CLARA COUNTY, CA;
555 UMBARGER RD SPC 148, SAN JOSE, SANTA CLARA COUNTY, CA;
708 SPINDRIFT DR, SAN JOSE, SANTA CLARA COUNTY, CA;
801 ALMA ST, PALO ALTO, SANTA CLARA COUNTY, CA;
Order Process History
Date Description
17/Feb/2023 04:29:53 AM Search In Progress.
17/Feb/2023 04:29:56 AM Search In Progress.
12/Mar/2023 05:43:47 PM Search In Progress.
12/Mar/2023 10:05:58 PM Record Judged.

Status: Complete
Felony, Misdemeanor Or Other SAN MATEO, SAN MATEO, CA
Score: Decisional**
Date Completed: 22/Feb/2023

Record Source SAN MATEO COUNTY SUPERIOR AND MUNICIPAL COURTS

Search Results Record Found

Search Type FELONY & MISDEMEANOR RECORD SEARCH

Date of Search 22/Feb/2023

Search Period 02/03/2016 - 02/03/2023

Address City Covered SAN MATEO

Address County Covered SAN MATEO

Address State Covered CA

401 MARSHALL STREET REDWOOD CITY SAN MATEO

Location
COUNTY

Given Name Searched HAYTHAM F MARZOUK

CID - 249777018 Page 8 of 19

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Developed Name Searched HAYTHAM S MARZOUK, HAYTHAM S FATHY

Case Reference # 18-NM-011430-A

Case Date 26/Sep/2018

Name on File HAYTHAM FATHI MARZOUK

DoB on File XX/XX/XXXX

Charge RECKLESS DRIVING WITH BODILY INJURY

Charge Type MISDEMEANOR

Disposition CONVICTED

Disposition Date 22/Feb/2019

OTHER PROBATION EXTENDED TO EXPIRE ON 05/15/2023;

NO FURTHER INFORMATION IN COURT FILE; PROBATION
Sentence
18 MONTHS SUMMARY; MODIFICATION OF PROBATION
05/13/2022; FINE 499

Source Status History

Status Date Description
17/Feb/2023 08:39:11 AM Additional handling required. Estimated completion by 02/22/2023
17/Feb/2023 04:30:50 AM Search in progress. Estimated completion by 02/21/2023
Remark
02/17/23: THIS SEARCH ALSO COVERS: 128 BRENTWOOD DR, SSF, SAN MATEO COUNTY, CA;
SOUTH SAN FRANCISCO, SAN MATEO COUNTY, CA;
75A SERRAMONTE CTR, DALY CITY, SAN MATEO COUNTY, CA;
280 88TH ST, DALY CITY, SAN MATEO COUNTY, CA;
Order Process History
Date Description
17/Feb/2023 04:29:53 AM Search In Progress.
17/Feb/2023 04:30:01 AM Search In Progress.
22/Feb/2023 11:40:25 AM Search In Progress.
22/Feb/2023 04:23:07 PM Record Judged.

Status: Complete
First Advantage Global Sanction Search
Score: Eligible
Date Completed: 17/Feb/2023

Record Source FIRST ADVANTAGE GLOBAL SANCTIONS DATABASE

Search Results No Record Found

Search Type FIRST ADVANTAGE GLOBAL SANCTION SEARCH

Date of Search 17/Feb/2023

Search Period 02/03/2016 - 02/17/2023

Location CONCOURSE PKWY ATLANTA FULTON COUNTY

Given Name Searched HAYTHAM F MARZOUK

CID - 249777018 Page 9 of 19

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Developed Name Searched HAYTHAM S MARZOUK, HAYTHAM S FATHY

Source Status History

Status Date Description
17/Feb/2023 04:30:50 AM Search in progress. Estimated completion by 02/21/2023
Order Process History
Date Description
17/Feb/2023 04:29:53 AM Search In Progress.
17/Feb/2023 04:29:56 AM Search In Progress.
17/Feb/2023 04:35:00 AM Search In Progress.
17/Feb/2023 04:35:00 AM Record Judged.

Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer

Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 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 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

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agencies. Seewww.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).

The following FCRA right applies with respect to nationwide consumer reporting agencies:

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE

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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 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

a. Consumer Financial Protection Bureau

1.a. Banks, savings associations, and credit
1700 G Street NW
unions with total assets of over $10 billion and
Washington, DC 20552
their affiliates.

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b. Such affiliates that are not banks, savings b. Federal Trade Commission: Consumer
associations, or credit unions also should list, in Response Center - FCRA
addition to the CFPB: 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,
1301 McKinney Street, Suite 3450
and federal branches and federal agencies of
Houston, TX 77010-9050
foreign banks

b. Federal Reserve Consumer Help Center

b. State member banks, branches and agencies
P.O. Box 1200
of foreign banks (other than federal branches,
Minneapolis, MN 55480
federal agencies, and insured state branches of
foreign banks), commercial lending companies
c. FDIC Consumer Response Center
owned or controlled by foreign banks, and
1100 Walnut Street, Box #11
organizations operating under section 25 or 25A
Kansas City, MO 64106
of the Federal Reserve Act

d. National Credit Union Administration

c. Nonmember Insured Banks, Insured State
Office of Consumer Protection (OCP)
Branches of Foreign Banks, and insured state
Division of Consumer Compliance and Outreach
savings associations
(DCCO)
1775 Duke Street
d. Federal Credit Unions
Alexandria, VA 22314

Asst. General Counsel for Aviation Enforcement

& Proceedings
Aviation Consumer Protection Division
3. Air carriers
Department of Transportation
1200 New Jersey Avenue, S.E.
Washington, DC 20590

Office of Proceedings, Surface Transportation

Board
4. Creditors Subject to Surface Transportation
Department of Transportation
Board
395 E Street SW
Washington, DC 20423

5. Creditors Subject to Packers and Stockyards Nearest Packers and Stockyards Administration
Act area supervisor

Associate Deputy Administrator for Capital

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Access
6. Small Business Investment Companies
United States Small Business Administration
409 Third Street, SW, 8th Floor
Washington, DC 20549

Securities and Exchange Commission

7. Brokers and Dealers 100 F Street NE
Washington, DC 20549

8. Federal Land Banks, Federal Land Bank Farm Credit Administration

Associations, Federal Intermediate Credit Banks, 1501 Farm Credit Drive
and Production Credit Associations McLean, VA 22102-5090

FTC Regional Office for region in which the

creditor operates or
9. Retailers, Finance Companies, and All Other Federal Trade Commission: Consumer
Creditors Not Listed Above Response Center - FCRA
Washington, DC 20580
(877) 382-4357

California Residents

California Obligations of Consumer Credit Reporting Agencies

A consumer may elect to place a security freeze on his or her credit report by making a request in
writing by mail to a consumer credit reporting agency. “Security freeze” means a notice placed in a
consumer’s credit report, at the request of the consumer, and subject to certain exceptions, that
prohibits the consumer credit reporting agency from releasing the consumer’s credit report or any
information from it without the express authorization of the consumer. If a security freeze is in place,
information from a consumer’s credit report may not be released to a third party without prior express
authorization from the consumer. This subdivision does not prevent a consumer credit reporting
agency from advising a third party that a security freeze is in effect with respect to the consumer’s
credit report.

(b) A consumer credit reporting agency shall place a security freeze on a consumer’s credit report no
later than three business days after receiving a written request from the consumer.

(c) The consumer credit reporting agency shall send a written confirmation of the security freeze to
the consumer within 10 business days and shall provide the consumer with a unique personal
identification number or password to be used by the consumer when providing authorization for the
release of his or her credit for a specific party or period of time.

(d) If the consumer wishes to allow his or her credit report to be accessed for a specific party or
period of time while a freeze is in place, he or she shall contact the consumer credit reporting agency,

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request that the freeze be temporarily lifted, and provide the following:

(1) Proper identification, as defined in subdivision (c) of Section 1785.15.

(2) The unique personal identification number or password provided by the credit reporting agency
pursuant to subdivision (c).

(3) The proper information regarding the third party who is to receive the credit report or the time
period for which the report shall be available to users of the credit report.

(e) A consumer credit reporting agency that receives a request from a consumer to temporarily lift a
freeze on a credit report pursuant to subdivision (d) shall comply with the request no later than three
business days after receiving the request.

(f) A consumer credit reporting agency may develop procedures involving the use of telephone, fax,
the Internet, or other electronic media to receive and process a request from a consumer to
temporarily lift a freeze on a credit report pursuant to subdivision (d) in an expedited manner.

(g) A consumer credit reporting agency shall remove or temporarily lift a freeze placed on a
consumer’s credit report only in the following cases:

(1) Upon consumer request, pursuant to subdivision (d) or (j).

(2) If the consumer’s credit report was frozen due to a material misrepresentation of fact by the
consumer. If a consumer credit reporting agency intends to remove a freeze upon a consumer’s
credit report pursuant to this paragraph, the consumer credit reporting agency shall notify the
consumer in writing prior to removing the freeze on the consumer’s credit report.

(h) A third party who requests access to a consumer credit report in connection with an application for
credit or any other use may treat the application as incomplete if a security freeze is in effect and the
consumer does not allow his or her credit report to be accessed for that specific party or period of
time.

(i) If a consumer requests a security freeze, the consumer credit reporting agency shall disclose the
process of placing and temporarily lifting a freeze and the process for allowing access to information
from the consumer’s credit report for a specific party or period of time while the freeze is in place.

(j) A security freeze shall remain in place until the consumer requests that the security freeze be
removed. A consumer credit reporting agency shall remove a security freeze within three business
days of receiving a request for removal from the consumer if the consumer provides both of the
following:

(1) Proper identification, as defined in subdivision (c) of Section 1785.15.

(2) The unique personal identification number or password provided by the credit reporting agency

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pursuant to subdivision (c).

(k) A consumer credit reporting agency shall require proper identification, as defined in subdivision (c)
of Section 1785.15, of the person making a request to place or remove a security freeze.

(l) The provisions of this section do not apply to the use of a consumer credit report by any of the
following:

(1) (A) (i) A person or entity with which the consumer has or had, prior to any assignment, an
account or contract, including a demand deposit account, or to which the consumer issued a
negotiable instrument, for the purpose of reviewing the account or collecting the financial obligation
owing for the account, contract, or negotiable instrument.

(ii) A subsidiary, affiliate, or agent of a person or entity described in clause (i), an assignee of a
financial obligation owing by the consumer to such a person or entity, or a prospective assignee of a
financial obligation owing by the consumer to such a person or entity in conjunction with the proposed
purchase of the financial obligation, for the purpose of reviewing the account or collecting the financial
obligation owing for the account, contract, or negotiable instrument.

(B) For purposes of this paragraph, “reviewing the account” includes activities related to account
maintenance, monitoring, credit line increases, and account upgrades and enhancements.

(2) A subsidiary, affiliate, agent, assignee, or prospective assignee of a person to whom access
has been granted under subdivision (d) for purposes of facilitating the extension of credit or other
permissible use.

(3) Any state or local agency, law enforcement agency, trial court, or private collection agency
acting pursuant to a court order, warrant, or subpoena.

(4) A child support agency acting pursuant to Chapter 2 (commencing with Section 17400) of
Division 17 of the Family Code or Title IV-D of the Social Security Act (42 U.S.C. et seq.).

(5) The State Department of Health Care Services or its agents or assigns acting to investigate
Medi-Cal fraud.

(6) The Franchise Tax Board or its agents or assigns acting to investigate or collect delinquent
taxes or unpaid court orders or to fulfill any of its other statutory responsibilities.

(7) The use of credit information for the purposes of prescreening as provided for by the federal
Fair Credit Reporting Act.

(8) Any person or entity administering a credit file monitoring subscription service to which the
consumer has subscribed.

(9) Any person or entity for the purpose of providing a consumer with a copy of his or her credit

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report upon the consumer’s request.

(m) (1) Except as provided in paragraph (2), this title does not prevent a consumer credit reporting
agency from charging a fee of no more than ten dollars ($10) to a consumer for the placement of
each freeze, the removal of the freeze, the temporary lift of the freeze for a period of time, or the
temporary lift of the freeze for a specific party, regarding access to a consumer credit report, except
that a consumer credit reporting agency may not charge a fee to a victim of identity theft who has
submitted a valid police report or valid Department of Motor Vehicles investigative report that alleges
a violation of Section 530.5 of the Penal Code.

(2) With respect to a consumer who is 65 years of age or older and who has provided identification
confirming his or her age, a consumer credit reporting agency shall not charge a fee for the
placement of an initial security freeze, but may charge a fee not to exceed five dollars ($5) for the
removal of the freeze, the temporary lift of the freeze for a period of time, the temporary lift of the
freeze for a specific party, or replacing the freeze.

(n) Regardless of the existence of a security freeze, a consumer reporting agency may disclose
public record information lawfully obtained by, or for, the consumer reporting agency from an open
public record to the extent otherwise permitted by law. This subdivision does not prohibit a consumer
reporting agency from electing to apply a valid security freeze to the entire contents of a credit report.

NOTICE - BACKGROUND INVESTIGATION PURSUANT TO CALIFORNIA LAW

California Residents or Employees – this summary of the provisions of California Civil Code §
1786.22 is being provided to you pursuant to state law.

Under California law you are entitled to visually inspect all files maintained about you by an ICRA,
such as First Advantage, P.O. Box 105292 Atlanta, GA 30348, 1-800-845-6004, upon request and
presentation of proper identification during normal business hours and on reasonable notice as
follows:

• In person. You may request a copy of your file. The ICRA may charge you for the actual copying
costs associated with providing you with a copy of your file.
• By telephone. A summary of all information contained in the ICRA’s file about you will be provided
to you via telephone, if you have made a written request for telephone disclosure, and the toll charge,
if any, for the telephone call is prepaid by or charged directly to you.
• By certified mail. You may make a written request for copies to be sent to a specified addressee.
ICRA’s complying with requests for certified mailings shall not be liable for disclosures to third parties
caused by mishandling of mail after such mailings leave the ICRA.

“Proper Identification” includes documents such as a valid driver’s license, social security account
number, military identification card, and credit cards. If an ICRA is unable to reasonably identify you
on the basis of these documents, they may require additional information concerning your
employment and personal or family history in order to verify your identity.

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The ICRA will provide trained personnel to explain any information furnished to you and will provide a
written explanation of any coded information contained in files maintained on you. This written
explanation will be provided whenever a file is provided to you for visual inspection.

You may be accompanied by one other person of your choosing, who must furnish reasonable
identification. An ICRA may require you to furnish a written statement granting permission to the
ICRA to discuss your file in such person’s presence.

AVISO - INVESTIGACION DE ANTECEDENTES DE CONFORMIDAD CON LA LEY DE

CALIFORNIA

Residentes o empleados de California: este resumen de las disposiciones del Codigo Civil de
California § 1786.22 se le proporciona de conformidad con la ley estatal.

Segun la ley de California, usted tiene derecho a inspeccionar visualmente todos los archivos
mantenidos sobre usted por una ICRA, como First Advantage, P.O. Box 105292 Atlanta, GA 30348,
1-800-845-6004, previa solicitud y presentacion de identificacion adecuada durante el horario
comercial normal y con un aviso razonable de la siguiente manera:

•En persona. Puede solicitar una copia de su expediente. La ICRA puede cobrarle por loscostos
reales de copia asociados con proporcionarle una copia de su archivo.
•Por telefono. Se le proporcionara un resumen de toda la informacion contenida en elarchivo de
ICRA sobre usted por telefono, si ha realizado una solicitud por escrito dedivulgacion telefonica, y el
cargo por telefono, si corresponde, por la llamada telefonicaes prepagado o cobrado directamente a
usted.
•Por correo certificado. Puede solicitar por escrito que se envien copias a un destinatarioespecifico.
El cumplimiento de ICRA con las solicitudes de correos certificados no seraresponsable de las
divulgaciones a terceros causadas por el mal manejo del correodespues de que dichos correos
salgan de la ICRA.

La “identificacion adecuada” incluye documentos como una licencia de conducir valida, numero de
cuenta de seguro social, tarjeta de identificacion militar y tarjetas de credito. Si una ICRA no puede
identificarlo razonablemente sobre la base de estos documentos, es posible que requiera informacion
adicional sobre su empleo e historial personal o familiar para verificar su identidad.

La ICRA proporcionara personal capacitado para explicar cualquier informacion que se le

proporcione y proporcionara una explicacion por escrito de cualquier informacion codificada
contenida en los archivos mantenidos sobre usted. Esta explicacion escrita se proporcionara siempre
que se le proporcione un archivo para su inspeccion visual.

Puede estar acompanado por otra persona de su eleccion, que debe proporcionar una identificacion
razonable. Una ICRA puede requerir que usted proporcione una declaracion por escrito otorgando
permiso a la ICRA para discutir su archivo en presencia de dicha persona.

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