LexisNexis/First Advantage Screening Solutions, Inc
P O Box 105108
Atlanta, GA 30348-5108
You must be told if information in your file has been used against you. Anyone
who uses information from a CRA to take action against you - such as denying an
application for credit, insurance, or employment must tell you, and give you the
name, address, and phone number of the CRA that provided the consumer report.
You can find out what is in your file. At your request, a CRA must give you the
information in your file, and a list of everyone who has requested it recently. There is
no charge for the report if a person has taken action against you because of
information supplied by the CRA, if you request within 60 days of receiving notice of
the action. You also are entitled to one free report every twelve months upon request
if you certify that (1) you are unemployed and plan to seek employment within 60
days, (2) you are on welfare, or (3) your report is inaccurate due to fraud. Otherwise,
a CRA may charge you up to eight dollars.
You can dispute inaccurate information with the CRA. If you tell a CRA that your
file contains inaccurate information, the CRA must investigate the items (usually
within 30 days) by presenting to its information source all relevant evidence you
submit, unless your dispute is frivolous. The source must review your evidence and
report its finding to the CRA. (The source also advise national CRAs – to which it has
provided the data – of any error.) The CRA must give you a written report of the
investigation, and a copy of your report if the investigation results in any change. If
the CRA's investigation does not resolve the dispute, you may add a brief statement
to your file. The CRA must normally include a summary of your statement in future
reports. If an item is deleted or a dispute statement is filed, you may ask that anyone
who has recently received your report be notified of the change.
Inaccurate information must be corrected or deleted. A CRA must remove or
correct inaccurate or unverified information from its files, usually within 30 days after
you dispute it. However, the CRA is not required to remove accurate data from your
file unless it is outdated (as described below) or cannot be verified. If your dispute
results in any change to your report, the CRA cannot reinsert into your file a disputed
item unless the information source verifies its accuracy and completeness. In
addition, the CRA must give you a written notice telling you it has reinserted the item.
The notice must include the name, address, and phone number of the information
You can dispute inaccurate items with the source of the information. If you tell
anyone – such as a creditor who reports to a CRA – that you dispute an item, they
may not then report the information to a CRA without including a report the
information if it is, in fact, an error.
Outdated information may not be reported. In most cases, a CRA may not report
negative information that is more than seven years old: ten years for bankruptcies.
Access to your file is limited. A CRA may provide information about you only to
people with a need recognized by the FCRA – usually to consider an application with
a creditor, insurer, landlord, or other business.
Signature required page 3 and 5 Revised 1/1/13 Page 5 of 5
Your consent is required for reports that are provided to employers, or reports that contain
medical information. A CRA may not give out information about you to your employer, or
prospective employer, without your written consent. A CRA may not report medical information about
you to creditors, insurers, and employers without your permission.
You may choose to exclude your name from CRA lists unsolicited credit insurance offers.
Creditors and insurers may use file information as the basis for sending you unsolicited offers of
credit insurance. Such offers must include a toll-free phone number for you to call if you want your
name and address removed from future lists. If you call, you must be kept off the lists for two years.
If you request, complete, and return the CRA form provided for this purpose, you must be taken off
the lists indefinitely.
You may seek damages from violators. If a CRA, a user or (in some cases) a provider if CRA
data, violates the FCRA, you may sue them in state or federal court.
ACKNOWLEDGMENT AND AUTHORIZATION
I acknowledge receipt of the DISCLOSURE REGARDING BACKGROUND INVESTIGATION and A
SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT and certify that I
have read and understand both of those documents. I hereby authorize the obtaining of “consumer
reports” and/or “investigative consumer reports” by the Company at any time after receipt of this
authorization and throughout my employment, if applicable. To this end, I hereby authorize, without
reservation, any law enforcement agency, administrator, state or federal agency, institution, school
or university (public or private), information service bureau, employer, or insurance company to
furnish any and all background information requested by LexisNexis Screening Solutions Inc., P.O.
Box 105108, Atlanta, GA 30348-5108,1-800-845-6004, www.lexis.com/risk/solutions, another
outside organization acting on behalf of the Company, and/or the Company itself. LexisNexis®
(“fax”), electronic or photographic copy of this Authorization shall be as valid as the original.