A Summary of Rights under Arkansas Law

Transcription

1 A Summary of Rights under Arkansas Law Arkansas Consumers Have the Right to Obtain a Security Freeze. You have the 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, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, 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 security freeze on your credit report or authorize the release of your credit report for a period of time after the security freeze is in place. To provide that authorization you must contact the consumer reporting agency by one (1) of the methods that it requires and provide all of the following: (1) Your personal identification number or password; (2) Proper identification to verify your identity; and (3) The proper information regarding the period of time for which the credit report shall be available. A consumer reporting agency must authorize the release of your credit report for a period of time within fifteen (15) minutes or as soon as practical if good cause exists for the delay, and must remove a security freeze no later than three (3) business days after receiving all of the above items by any method that the consumer reporting agency allows. A security freeze does not apply to a person or an 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 up-grades and enhancements. You have a right to bring a civil action against anyone, including a consumer reporting agency, that willfully or negligently fails to comply with any requirement of the Arkansas Consumer Report Security Freeze Act. A consumer reporting agency has the right to charge you up to five dollars ($5.00) to place a security freeze on your credit report, to temporarily lift a security freeze on your credit report, or to remove a security freeze from your credit report. However, you shall not be charged any fee if you are at least sixty-five (65) years of age or if you are a victim of identity theft and have submitted, in conjunction with the security freeze request, a copy of a valid investigative report or incident report or complaint with a law enforcement agency alleging the unlawful use of your identifying information by another person. A Summary of Rights under Colorado Law State Consumers Have the Right to Obtain a Security Freeze. You may obtain a security freeze on your consumer report to protect your privacy and ensure that credit is not granted in your name without your knowledge, except as provided by law. You have a right to place a security freeze on your consumer report to prohibit a consumer reporting agency from releasing any information in your consumer report without your express authorization or approval, except as the law allows. You will not be initially charged to place a security freeze on your consumer report. However, you will be charged a fee of no more than ten dollars to temporarily lift the freeze for a period of time, to permanently remove the freeze from your consumer report, or when you make a subsequent request for a freeze to be placed on your consumer report. As well, you may be charged a fee of no more than twelve dollars to temporarily lift the freeze for a specific party. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. When you place a security freeze on your consumer report, within five business days you will be

2 provided procedures for the temporary release of your consumer report to a specific party or parties or for a period of time after the security freeze is in place. To provide that authorization, you must contact the consumer reporting agency and provide the proper information regarding the third party or parties who are to receive the consumer report or the period of time for which the report shall be available to users of the consumer report. A consumer reporting agency that receives a request from a consumer to temporarily lift a security freeze on a consumer report shall comply with the request no later than three business days after receiving the request. A security freeze does not apply to circumstances where you have an existing account relationship, 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. You should be aware that using a security freeze to take control over who gains access to the personal and financial information in your consumer report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding new loans, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, internet credit card transaction, or other services, including an extension of credit at the point of sale. You should plan ahead and lift a security freeze either completely if you are shopping around, or specifically for a certain creditor a few days before actually applying for new credit. You have the right to bring a civil action or submit to binding arbitration against a consumer reporting agency to enforce an obligation under the security freeze law after following specified dispute procedures and having received the necessary notice. A Summary of Rights under Delaware Law Delaware Consumers Have the Right to Obtain a Security Freeze. You may obtain a security freeze on your credit report for no more than ten dollars to protect your privacy and ensure that credit is not granted in your name without your knowledge. You have a right to place a security freeze on your credit report pursuant to Delaware law. The security freeze will prohibit a consumer reporting agency from releasing any information in your credit report without your express authorization or approval. You must separately request, by certified mail, that it be frozen by the three consumer reporting agencies and pay each a ten dollar fee to do so. After January 31, 2009, you will be able to request this freeze from the agencies by . The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. When you place a security freeze on your credit report, you will be sent a personal identification number or password to use if you choose to remove the freeze on your credit report or to temporarily authorize the release of your credit report for a specific period of time after the freeze is in place. To provide that authorization, you must contact the consumer reporting agency and provide all of the following: 1. The unique personal identification number or password provided by the consumer reporting agency. 2. Proper identification to verify your identity. 3. The proper information regarding the period of time for which the report shall be available to users of the credit report. 4. A consumer reporting agency that receives a request from a consumer to lift temporarily a freeze on a credit report shall comply with the request no later than three business days after receiving the request. By January 31, 2009, the consumer reporting agency must temporarily lift the freeze within 15 minutes of receiving the request. A security freeze does not apply to circumstances where you have an existing account relationship 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. If you are actively seeking a new credit, loan, utility, telephone, or insurance account, you should understand that the procedures involved in lifting a security freeze may slow your own applications for credit. You should plan ahead and lift a freeze with enough advance notice before you apply for new credit for the lifting to take effect. Until January 31, 2009, you should lift the freeze at least 3 business days before applying, and after that date you should lift the freeze at least 15 minutes before applying for a new account.

3 You have a right to bring a civil action against someone who violates your rights under the credit reporting laws. The action can be brought against a consumer reporting agency. Notice: Summary of Rights under Maryland Law You have a right, under of the Commercial Law Article of the Annotated Code of Maryland, to place a security freeze on your credit report. The security freeze will prohibit a consumer reporting agency from releasing your credit report or any information derived from your credit report without your express authorization. The purpose of a security freeze is to prevent credit, loans, and services from being approved in your name without your consent. You may elect to have a consumer reporting agency place a security freeze on your credit report by written request sent by certified mail or by electronic mail or the Internet if the consumer reporting agency provides a secure electronic connection. The consumer reporting agency must place a security freeze on your credit report within 3 business days after your request is received. Within 5 business days after a security freeze is placed on your credit report, you will be provided with a unique personal identification number or password to use if you want to remove the security freeze or temporarily lift the security freeze to release your credit report to a specific person or for a specific period of time. You also will receive information on the procedures for removing or temporarily lifting a security freeze. If you want to temporarily lift the security freeze on your credit report, you must contact the consumer reporting agency and provide all of the following: (1) The unique personal identification number or password provided by the consumer reporting agency; (2) The proper identifying information to verify your identity; and (3) The proper information regarding the person who is to receive the credit report or the period of time for which the credit report is to be available to users of the credit report. A consumer reporting agency must comply with a request to temporarily lift a security freeze on a credit report within 3 business days after the request is received, or within 15 minutes for certain requests. A consumer reporting agency must comply with a request to remove a security freeze on a credit report within 3 business days after the request is received. If you are actively seeking credit, you should be aware that the procedures involved in lifting a security freeze may slow your own applications for credit. You should plan ahead and lift a security freeze, either completely if you are seeking credit from a number of sources, or just for a specific creditor if you are applying only to that creditor, a few days before actually applying for new credit. A consumer reporting agency may charge a reasonable fee not exceeding $ 5 for each placement, temporary lift, or removal of a security freeze. However, a consumer reporting agency may not charge any fee to a consumer who, at the time of a request to place, temporarily lift, or remove a security freeze, presents to the consumer reporting agency a police report of alleged identity fraud against the consumer or an identity theft passport. A security freeze does not apply if you have an existing account relationship and a copy of your credit report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control, or similar activities. Massachusetts-Lyft s Criminal Offender Record Information Policy Pursuant to Massachusetts law, the Company has issued the following policy governing how the Company obtains, uses, maintains and disposes of criminal history information, including Criminal Offender Record Information ( CORI ) obtained from the Commonwealth of Massachusetts Department of Criminal Justice Information Services: 1. The Company will treat criminal history information, including CORI, as confidential personal information. Accordingly, such information will be maintained on a confidential basis, stored in a secure manner (i.e. locked files, password protected computer files/systems, encryption when appropriate, etc.). 2. The Company will not seek any criminal history information on any initial written application or otherwise prior to an interview.

4 3. In the event that the Company inadvertently obtains a Massachusetts candidate s criminal history information on an application form prior to the candidate s interview, the Company will destroy that application form and all copies and ask the candidate to complete a new form without providing criminal history information. Under such circumstances, the Company will not consider any criminal history information inadvertently disclosed in making decisions about the affected candidate. 4. In the event that the Company does question an candidate about his or her criminal history, as permitted by law, it will not ask for information about: (i) an arrest, detention, or disposition regarding any violation of the law in which no conviction resulted, or (ii) a first conviction for any of the following misdemeanors: drunkenness, simple assault, speeding, minor traffic violations, affray, or disturbance of the peace, or (iii) any conviction of a misdemeanor where the date of such conviction or the completion of any period of resulting incarceration, whichever date is later, occurred five or more years prior to the date of such application or such request for information, unless the candidate has been convicted of any offense within five years immediately preceding the date of such application or such request for information. The Company will not discriminate in any way against individuals who do not provide such information. 5. Prior to obtaining CORI from the Department of Criminal Justice Information Services, the Company will comply with all relevant federal and/or state requirements regarding disclosure and consent to obtain such information. Such compliance shall include but is not limited to requiring the execution of an acknowledgment form by the subject authorizing the Company to obtain the individual s CORI, verification of the individual s identity, and such other steps as may be required by law. 6. The Company will notify candidates and drivers that the Company may make an adverse decision based on criminal history information. 7. Prior to making an adverse decision based on an candidate s/driver s criminal history, or in the event that the Company wishes to question any candidate/driver about his or her criminal history, the Company will provide to the candidate/driver a copy of his or criminal history information. In the event of a potential adverse decision based on CORI obtained from the Department of Criminal Justice Information Services, the Company will also identify the criminal history information that will form the basis for the potential adverse decision. If the information is from a source other than the Department of Criminal Justice Information Services and the background check was not conducted by a consumer reporting agency, the Company will identify the source of the information. 8. Prior to making an adverse decision based on an candidate s/driver s criminal history, or in the event that the Company wishes to question any candidate/driver about his or her criminal history, the Company will provide to the candidate/driver a copy of the Department of Criminal Justice Information Services Information Concerning the Process in Correcting a Criminal Record. 9. The Company will provide any candidate or driver subject to a potential adverse decision based on criminal history a reasonable time to correct or otherwise provide explanatory information. Such period shall not be less than five (5) business days. 10.Where appropriate, the Company will consider relevant factors in assessing the effect of an candidate s or driver s criminal history on that individual s suitability for the job in question. Unless otherwise provided by law, factors considered in determining suitability may include, but not be limited to, the following: (a) Relevance of the record to the position sought; (b) The nature of the work to be performed; (c) Time since the conviction; (d) Age of the candidate at the time of the offense; (e) Seriousness and specific circumstances of the offense; (f) The number of offenses; (g) Whether the candidate/driver has pending charges; (h) Any relevant evidence of rehabilitation or lack thereof; and (i) Any other relevant information, including information submitted by the candidate/driver or requested by the Company.

5 11.The Company will provide a copy of this policy to candidates/drivers who are subject to a potential adverse decision based on their criminal history. 12.The Company shall not disseminate criminal history information internally to employees, unless such employee has a business need to know such information. 13.The Company shall maintain a secondary dissemination log for at least a one (1) year period following the external dissemination of an candidate s or driver s criminal history information which shall include: (1) the name of the candidate or driver; (2) the date of birth of the candidate or driver; (3) the date of dissemination; (4) the name of the external person(s) to whom the criminal history information was disseminated; and (4) the purpose of the dissemination. 14.Unless otherwise required by law or court order, the Company shall not maintain any copy (electronic or otherwise) of CORI requested from the Department of Criminal Justice Information Services or its successor for more than seven years from the last date as a driver or the date of the Company s final decision regarding the candidate or driver, whichever is earlier. 15.When the Company disposes of criminal history information, it shall do so in a manner consistent with Massachusetts law (i.e. destruction of such information in a manner that renders it unreadable/irretrievable). Massachusetts- Information Concerning the Process in Correcting a Criminal Record 1. If you have undergone a background check by an agency that has received a criminal record from the DCJIS, you may ask the agency to provide you with a copy of the criminal record. You may also request a copy of your adult criminal record from the Department of Criminal Justice Information Services, 200 Arlington Street, Suite 2200, Chelsea, MA or by calling (617) or go to global/landing.action?page=1&bod= &m=presentlanding 2. The DCJIS charges $25.00 fee to provide an individual with a copy of his/her criminal record. You may complete an affidavit of indigency and request that the DCJIS waive the fee. 3. Upon receipt, review the record. If you need assistance in interpreting the entries or dispositions, please contact the Constituent Assistance and Research Unit at between 8:00AM and 6:00PM Eastern Time, Monday Friday or via at icori.info@state.ma.us 4. The DCJIS does not offer walk-in service but you may call our Legal Division at (617) for assistance or the CARI Unit of the Office of the Commissioner of Probation at (617) If you believe that a case is opened on your record that should be marked closed, you may contact the Office of the Commissioner of Probation Department at the court where the charges were brought and request that the case(s) be updated. 6. If you believe that a disposition is incorrect, contact the Chief Probation Officer at the court where the charges were brought or the CARI Unit at the Office of the Commissioner of Probation and report that the court incorrectly entered a disposition on your criminal record. 7. If you believe that someone has stolen or improperly used your identity and were arraigned on criminal charges under your name, you may contact the Office of the Commissioner of Probation CARI Unit or the Chief Probation Officer in the court where the charges were brought. For a listing of courthouses and telephone numbers please see 8. In some situations of identity theft, you may need to contact the DCJIS to arrange to have fingerprints analysis conducted. 9. If there is a warrant currently outstanding against you, you need to appear at the court and ask that the warrant be recalled. You cannot do this over the telephone.

6 10. If you believe that an employer, volunteer agency, housing agency or municipality has been provided with a criminal record that does not pertain to you, the agency should contact the CORI Unit for assistance at (617) A Summary of Rights Under the New Jersey Fair Credit Reporting Act Your rights under the New Jersey Fair Credit Reporting Act (NJFCRA) are similar to those provided under the Federal Fair Credit Reporting Act. Included with this letter is a summary of your rights under the Federal Fair Credit Reporting Act. The New Jersey Division of Consumer Affairs in the Department of Law and Public Safety can provide you with detailed information concerning your rights under the NJFCRA. Under the New Jersey Fair Credit Reporting Act, consumers are entitled to a free credit report annually. If a credit bureau fails to supply a free copy of your report, or fails to investigate and correct inaccurate information, New Jersey employees can contact the New Jersey Division of Consumer Affairs. New Jersey Division of Consumer Affairs 124 Halsey Street Newark, New Jersey (973) New Jersey Consumers Have the Right to Obtain a Security Freeze You may obtain a security freeze on your credit report to protect your privacy and ensure that credit is not granted in your name without your knowledge. You have a right to place a security freeze on your credit report pursuant to New Jersey law. The security freeze will prohibit a consumer reporting agency from releasing any information in your credit report without your express authorization or approval. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. When you place a security freeze on your credit report, within five business days you will be provided a personal identification number or password to use if you choose to remove the freeze on your credit report or to temporarily authorize the release of your credit report for a specific party, parties or period of time after the freeze is in place. To provide that authorization, you must contact the consumer reporting agency and provide all of the following: (i) (ii) (iii) The unique personal identification number or password provided by the consumer reporting agency; Proper identification to verify your identity; and The proper information regarding the third party or parties who are 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 reporting agency that receives a request from a consumer to lift temporarily a freeze on a credit report shall comply with the request no later than three business days or less, as provided by regulation, after receiving the request. A security freeze does not apply to circumstances in which you have an existing account relationship 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. If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze may slow your own applications for credit. You should plan ahead and lift a freeze, either completely if you are shopping around, or specifically for a certain creditor, a few days before actually applying for new credit. You have a right to bring a civil action against someone who violates your rights under the credit reporting laws. The action can be brought against a consumer reporting agency or a user of your credit report. A Summary of Rights under North Carolina Law North Carolina Consumers Have the Right to Obtain a Security Freeze. You have a right to place a "security freeze" on your credit report pursuant to North Carolina law. The security freeze will prohibit a consumer reporting agency from releasing any information in your credit report without your

7 express authorization. A security freeze can be requested in writing by first-class mail, by telephone, or electronically. You also may request a freeze with Transunion, Equifax, and/or Experian, by visiting the following respective Web sites, and/or freeze, or calling the following telephone numbers: (Transunion), (Equifax), and/or (Experian). 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 gains 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 new loans, credit, mortgage, insurance, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transactions, or other services, including an extension of credit at point of sale. The freeze will be placed within three business days if you request it by mail, or within 24 hours if you request it by telephone or electronically. When you place a security freeze on your credit report, within three business days, you will be sent a personal identification number or a password to use when you want to remove the security freeze, temporarily lift it, or lift it with respect to a particular third party. A freeze does not apply when you have an existing account relationship 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. You should plan ahead and lift a freeze if you are actively seeking credit or services as a security freeze may slow your applications, as mentioned above. You can remove a freeze, temporarily lift a freeze, or lift a freeze with respect to a particular third party by contacting the consumer reporting agency and providing all of the following: (1) Your personal identification number or password, (2) Proper identification to verify your identity, and (3) Proper information regarding the period of time you want your report available to users of the credit report, or the third party with respect to which you want to lift the freeze. A consumer reporting agency that receives a request from you to temporarily lift a freeze or to lift a freeze with respect to a particular third party on a credit report shall comply with the request no later than three business days after receiving the request by mail and no later than 15 minutes after receiving a request by telephone or electronically. A consumer reporting agency may charge you up to three dollars ($3.00) to institute a freeze if your request is made by telephone or by mail. A consumer reporting agency may not charge you any amount to freeze, remove a freeze, temporarily lift a freeze, or lift a freeze with respect to a particular third party, if any of the following are true: (1) Your request is made electronically. (2) You are over the age of 62. (3) You are the victim of identity theft and have submitted a copy of a valid investigative or incident report or complaint with a law enforcement agency about the unlawful use of your identifying information by another person, or you are the spouse of such a person. You have a right to bring a civil action against someone who violates your rights under the credit reporting laws. The action can be brought against a consumer reporting agency or a user of your credit report. A Summary of Rights under North Dakota Law North Dakota Consumers Have the Right to Obtain a Security Freeze You may obtain a security freeze on your consumer credit file at no charge to protect your privacy and ensure that credit is not granted in your name without your knowledge. You have a right to place a "security freeze" on your consumer credit file pursuant to North Dakota law.

8 The security freeze will prohibit a consumer reporting agency from releasing any information in your consumer credit file without your express authorization or approval. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. When you place a security freeze on your credit file, within five business days you will be provided a personal identification number or password to use if you choose to remove the freeze on your credit file or to temporarily authorize the release of your credit report or credit score for a specific party, parties, or period of time after the freeze is in place. To provide that authorization, you must contact the consumer reporting agency and provide all of the following: 1. The unique personal identification number or password provided by the consumer reporting agency. 2. Proper identification to verify your identity. 3. The proper information regarding the third party or parties who are 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 reporting agency that receives a request from a consumer to lift temporarily a freeze shall comply with the request no later than three business days after receiving the request. A consumer reporting agency may charge you up to five dollars each time you freeze or temporarily lift the freeze, except a consumer reporting agency may not charge any amount to a victim of identity theft who has submitted a copy of a valid investigative report or complaint to a law enforcement agency about the unlawful use of the victim's information by another person. A security freeze does not apply to circumstances where you have an existing account relationship 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. If you are actively seeking a new credit, loan, utility, or telephone account, you should understand that the procedures involved in lifting a security freeze may slow your own applications for credit. You should plan ahead and lift a freeze--either completely if you are shopping around, or specifically for a certain creditor--with enough advance notice before you apply for new credit for the lifting to take effect. You have a right to bring a civil action against someone who violates your rights under the credit reporting laws. The action can be brought against a consumer reporting agency or a user of your credit report. A Summary of Rights under Oklahoma Law Oklahoma 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. A security freeze must be requested in writing by certified 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, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, 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 period of time after the freeze is in place. To provide that authorization you must contact the consumer reporting agency by one of the methods that it requires, 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 period of time for which the report shall be available; and

9 4. The payment of the appropriate fee. A consumer reporting agency must authorize the release of your credit report no later than three (3) business days after receiving all of the above items by any method that the consumer reporting agency allows. 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 have a right to bring civil action against anyone, including a consumer reporting agency who willfully or negligently fails to comply with any requirement of the Oklahoma Consumer Report Security Freeze Act. A consumer reporting agency has the right to charge you up to Ten Dollars ($10.00) to place a freeze on your credit report, up to Ten Dollars ($10.00) to temporarily lift a freeze on your credit report, and up to Ten Dollars ($10.00) to remove a freeze from your credit report. However, you shall not be charged any fee if you are a victim of identity theft who has submitted, at the time the security freeze is requested, a copy of a valid investigative or incident report or complaint with a law enforcement agency about the unlawful use of your identifying information by another person, or if you are sixty-five (65) years of age or older for the initial placement and removal of a security freeze. A Summary of Rights under Rhode Island Law Consumers have the right to obtain a security freeze. You may obtain a security freeze on your credit report to protect your privacy and ensure that credit is not granted in your name without your knowledge. You have a right to place a "security freeze" on your credit report pursuant to chapter 48 of title 6 of the Identity Theft Prevention Act of The security freeze will prohibit a consumer reporting agency from releasing any information in your credit report without your express authorization or approval. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. When you place a security freeze on your credit report, within five (5) business days you will be provided a personal identification number or password to use if you choose to remove the freeze on your credit report or to temporarily authorize the release of your credit report for a specific period of time after the freeze is in place. To provide that authorization, you must contact the consumer reporting agency and provide all of the following: (1) The unique personal identification number or password provided by the consumer reporting agency. (2) Proper identification to verify your identity. (3) The proper information regarding the period of time for which the report shall be available to users of the credit report. A consumer reporting agency that receives a request from a consumer to temporarily lift a freeze on a credit report shall comply with the request no later than three (3) business days after receiving the request. A security freeze does not apply to circumstances where you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of an account review, collection, fraud control, or similar activities. If you are actively seeking a new credit, loan, utility, telephone, or insurance account, you should understand that the procedures involved in lifting a security freeze may slow your own applications for credit. You should plan ahead and lift a freeze--either completely, if you are shopping around, or specifically for a certain creditor--with enough advance notice before you apply for new credit for the lifting to take effect. You have a right to bring a civil action against someone who violates your rights under the credit reporting laws. The action can be brought against a consumer reporting agency or a user of your credit report.

10 Unless you are sixty-five (65) years of age or older, or you are a victim of identity theft with an incident report or complaint from a law enforcement agency, a consumer reporting agency has the right to charge you up to ten dollars ($10.00) to place a freeze on your credit report; up to ten dollars ($10.00) to temporarily lift a freeze on your credit report, depending on the circumstances; and up to ten dollars ($10.00) to remove a freeze from your credit report. If you are sixty-five (65) years of age or older or are a victim of identity theft with a valid incident report or complaint, you may not be charged a fee by a consumer reporting agency for placing, temporarily lifting, or removing a freeze. A Summary of Rights Under Washington Law The Washington Fair Credit Reporting Act (WFCA) is designed to promote accurate credit reports, resolve disputed reports promptly and fairly, and adopt reasonable procedures to promote consumer confidentiality and the proper use of credit data. Procuring Consumer Reports A company may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer who is not an employee at the time the report is procured or caused to be procured unless: (i) a clear and conspicuous disclosure has been made in writing to the consumer before the report is procured or caused to be procured that a consumer report may be obtained for purposes of considering the consumer for employment; or (ii) the consumer authorizes the procurement of the report. A company may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any employee unless the employee has received, at any time after the person became an employee, written notice that consumer reports may be used for employment purposes. A company may not procure a consumer report for employment purposes where any information contained in the report bears on the consumer's creditworthiness, credit standing, or credit capacity, unless the information is either: (i) substantially job related and the company s reasons for the use of such information are disclosed to the consumer in writing; or (ii) required by law. Using Consumer Reports In using a consumer report for employment purposes, before taking any adverse action based in whole or part on the report, a company shall provide to the consumer to whom the report relates: (i) The name, address, and telephone number of the consumer reporting agency (CRA) providing the report; (ii) a description of the consumer's rights under this chapter pertaining to consumer reports obtained for employment purposes; and (iii) a reasonable opportunity to respond to any information in the report that is disputed by the consumer. The consumer reporting agency that furnished us with the consumer report is American Driving Records [American Driving Records, Inc., Attn: Consumer Request, 2860 Gold Tailings Court, Rancho Cordova, CA 95670, (800) , extension 7] (which provides report information relating to driving records/motor vehicle information) and/or consumer reporting agency Sterling [Sterling Backcheck, Inc., Dispute Resolution D e p a r t m e n t, O a k T r e e B o u l e v a r d, I n d e p e n d e n c e, O H ; ; disputeresolution@sterlingbackcheck.com] (which provides report information relating to all other types of background, including criminal records (but not driving records/motor vehicle criminal record information, which is provided by American Driving Records)). You will be provided a reasonable opportunity to respond to any information in the report that you dispute. Consumer Report Prohibited Information Except as authorized under RCW (2), no CRA may make a consumer report containing any of the following items of information: (a) Bankruptcies that, from date of adjudication of the most recent bankruptcy, antedate the report by more than ten years; (b) Suits and judgments that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period; (c) Paid tax liens that, from date of payment, antedate the report by more than seven years; (d) Accounts placed for collection or charged to profit and loss that antedate the report by more than seven years; (e) Records of arrest, indictment, or conviction of an adult for a crime that, from date of disposition, release, or parole, antedate the report by more than seven years; (f) Juvenile records, as defined in RCW (1)(c), when the subject of the records is twenty-one years of age or older at the time of the report; and (g) Any other adverse item of information that antedates the report by more than seven years.

11 These restrictions are not applicable in the case of a consumer report to be used in connection with the employment of an individual at an annual salary that equals, or that may reasonably be expected to equal, $20,000 or more. Procuring Investigative Consumer Reports A company may not procure or cause to be prepared an investigative consumer report unless: (a) It is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to the consumer's character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and the disclosure: (i) is made in a writing and delivered to the consumer not later than three days after the date on which the report was first requested; and (ii) includes a statement informing the consumer of the consumer's right to request the additional disclosures outlined below and the written summary of the rights of the consumer prepared under RCW (7); or (b) the report is to be used for employment purposes for which the consumer has not specifically applied. A company who procures or causes to be prepared an investigative consumer report on a consumer shall make, upon written request made by the consumer within a reasonable period of time after the receipt by the consumer of the disclosure, a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure must be made in a writing mailed, or otherwise delivered, to the consumer not later than the latter of five days after the date on which the request for the disclosure was either received from the consumer or the report was first requested. Permissible Purpose No CRA may furnish a consumer report to a person if the agency has reasonable grounds for believing that the consumer report will not be used for a purpose listed in RCW CRA Disclosures to Consumers A CRA shall, upon request by the consumer, clearly and accurately disclose: (1) All information in the file on the consumer at the time of request, except that medical information may be withheld. The agency shall inform the consumer of the existence of medical information, and the consumer has the right to have that information disclosed to the health care provider of the consumer's choice. Nothing in RCW ch prevents, or authorizes a CRA to prevent, the health care provider from disclosing the medical information to the consumer. The agency shall inform the consumer of the right to disclosure of medical information at the time the consumer requests disclosure of his or her file. (2) All items of information in its files on that consumer, including disclosure of the sources of the information, except that sources of information acquired solely for use in an investigative report may only be disclosed to a plaintiff under appropriate discovery procedures. (3) Identification of (a) each person who for employment purposes within the two-year period before the request, and (b) each person who for any other purpose within the six-month period before the request, procured a consumer report. (4) A record identifying all inquiries received by the agency in the six-month period before the request that identified the consumer in connection with a credit transaction that is not initiated by the consumer. (5) An identification of a person under subsection (3) or (4) of this section must include (a) the name of the person or, if applicable, the trade name under which the person conducts business; and (b) upon request of the consumer, the address of the person. CRA Disclosures to Consumers Procedures (1) A consumer reporting agency shall make the disclosures described above during normal business hours and on reasonable notice. (2) The consumer reporting agency shall make the disclosures required to the consumer: (a) In person if the consumer appears in person and furnishes proper identification; (b) By telephone if the consumer has made a written request, with proper identification, for telephone disclosure and the toll charge, if any, for the telephone call is prepaid by or charged directly to the consumer; or (c) By any other reasonable means that are available to the consumer reporting agency if that means is authorized by the consumer. (3) A consumer reporting agency shall provide trained personnel to explain to the consumer, information furnished to the consumer under RCW

12 (4) The consumer reporting agency shall permit the consumer to be accompanied by one other person of the consumer's choosing, who shall furnish reasonable identification. A consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumer's file in the other person's presence. (5) If a credit score is provided by a consumer reporting agency to a consumer, the agency shall provide an explanation of the meaning of the credit score. (6) Except as provided in RCW , no consumer may bring an action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against a consumer reporting agency or a user of information, based on information disclosed under this section or RCW , except as to false information furnished with malice or willful intent to injure the consumer. Except as provided in RCW , no consumer may bring an action or proceeding against a person who provides information to a consumer reporting agency in the nature of defamation, invasion of privacy, or negligence for unintentional error. (7)(a) A consumer reporting agency must provide to a consumer, with each written disclosure by the agency to the consumer under RCW , a written summary of all rights and remedies the consumer has under this chapter. (b) The summary of the rights and remedies of consumers under this chapter must include: (i) A brief description of this chapter and all rights and remedies of consumers under this chapter; (ii) An explanation of how the consumer may exercise the rights and remedies of the consumer under this chapter; and (iii) A list of all state agencies, including the attorney general's office, responsible for enforcing any provision of this chapter and the address and appropriate phone number of each such agency. For questions regarding the WFCRA you may contact: Attorney General of the State of Washington 1125 Washington Street S.E. P.O. Box Olympia, WA Phone: Consumer Report Dispute Procedures (1) If the completeness or accuracy of an item of information contained in a consumer's file at a CRA is disputed by the consumer and the consumer notifies the agency directly of the dispute, the agency shall reinvestigate without charge and record the current status of the disputed information before the end of thirty business days, beginning on the date the agency receives the notice from the consumer. (2) Before the end of the five business-day period beginning on the date a CRA receives notice of a dispute from a consumer in accordance with subsection (1) of this section, the agency shall notify any person who provided an item of information in dispute. (3)(a) Notwithstanding subsection (1) of this section, a CRA may terminate a reinvestigation of information disputed by a consumer under subsection (1) of this section if the agency determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure of the consumer to provide sufficient information. (b) Upon making a determination in accordance with (a) of this subsection that a dispute is frivolous or irrelevant, a CRA shall notify the consumer within five business days of the determination. The notice shall be made in writing or any other means authorized by the consumer that are available to the agency, but the notice shall include the reasons for the determination and a notice of the consumer's rights under subsection (6) of this section. (4) In conducting a reinvestigation under subsection (1) of this section with respect to disputed information in the file of any consumer, the CRA shall review and consider all relevant information submitted by the consumer in the period described in subsection (1) of this section with respect to the disputed information. (5)(a) If, after a reinvestigation under subsection (1) of this section of information disputed by a consumer, the information is found to be inaccurate or cannot be verified, the CRA shall promptly delete the information from the consumer's file.