USAFact, Inc.

BACKGROUND SCREENING REPORT 1508 Dessau Ridge Ln. Ste 203

Prepared for: Sierra Business Solution LLC Austin, TX 78754
1-800-547-0263

Subject Information: Requestor Information:

Subject: Sheik Mehaboob, Mohammed Ali

DOB: 05/11/XXXX
Social Security Number: XXX-XX-5455
Order Number(s): 3678883
Requestor Name: Giriraj
Order Date September 11, 2023 02:00 PM
Requestor Userid: sierbus/kmsierbus
Package Name(s): HCL 01 873
Requestor Phone: 602-902-6962
Address: 3532 140TH PLACE SE
Requestor Email: hr2@sierrasoln.com
Bothell, WA 98012
USA
(lived at since 08/12/2007)
Report Disposition: unknown

Report Summary Information:

Component Status Last update

Address History and AKA Locator (SSP) Check COMPLETE - Review 9/11/23
for SSN XXX-XX-5455, page 3
Consent based SSN verification with the SSA COMPLETE - Clear 9/14/23
for Mohammed Ali Sheik Mehaboob, page 3
County Criminal History in SNOHOMISH COMPLETE - Clear 9/12/23
county Washington (7 years) for Mohammed
Ali Sheik Mehaboob, page 3
Statewide Criminal History in Washington (7 COMPLETE - Clear 9/12/23
years) for Mohammed Ali Sheik Mehaboob,
page 3
Federal District Criminal History in WESTERN COMPLETE - Clear 9/11/23
district Washington (7 years) for Mohammed
Ali Sheik Mehaboob, page 3
National Criminal and Sex Offender Database COMPLETE - Clear 9/11/23
(NCD/NSO) for Mohammed Ali Sheik Meha-
boob
Synopsis: , page 3
International/Domestic Education at UNI- PENDING 9/15/23
VERSITY OF MADRAS in INDIA/Tennessee
(03/12/1987 - 03/12/1990), page 3
Continued on next page

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USAFact, Inc.

Component Status Last update

Employment Verification with EXCELON SO- COMPLETE - Verified 9/12/23
LUTION LLC (09/01/2023 - current), page 5
Employment Verification with ACTIVISION PENDING 9/15/23
BLIZZARD, INC (03/XX/1999 - 01/XX/2006),
page 6
Employment Verification with AQIL - IT COMPLETE - Verified 9/12/23
(02/12/2006 - 08/31/2023), page 7
Professional Reference Verification with MO- COMPLETE - Verified 9/12/23
HINI SINGH, page 8
Professional Reference Verification with JAVID COMPLETE - Verified 9/12/23
UR, page 9
Professional Reference Verification with JOE COMPLETE - Verified 9/13/23
VAYO, page 10
Office of Foreign Asset Control (OFAC) Check, COMPLETE - Clear 9/11/23
page 12
SmartPak to criminal7yr for Mohammed Ali COMPLETE - Clear 9/11/23
Sheik Mehaboob, page 12
SmartPak to Federal 7yr for Mohammed Ali COMPLETE - Clear 9/11/23
Sheik Mehaboob, page 12
SmartPak to state 7yr for Mohammed Ali Sheik COMPLETE - Clear 9/11/23
Mehaboob, page 12
Send CBSV Form, page 12 COMPLETE - Clear 9/14/23
Quality Assurance??, page ?? PENDING 9/11/23
Technical Services, page 13 COMPLETE - Clear 9/14/23
dS Breath Alcohol Test, page 14 PENDING 9/11/23
dS 5 Panel Plus 6AM and MDA for Mohammed COMPLETE - Negative 9/14/23
Ali Sheik Mehaboob, page 14

Notice : The information provided is a consumer report as defined in the federal Fair Credit Reporting Act [15 U.S.C. 1681-
1681u]. It contains confidential information on the individual named. It is submitted to the conditions contained in your
Subscriber Agreement with USAFact, Inc. and may be used solely as a factor in evaluating the named individual for property
renting/leasing, employment, promotion, reassignment or retention as an employee. USAFact, Inc. maintains strict procedures
designed to insure that the information is complete and up to date. While the information furnished is from reliable sources,
its accuracy is not guaranteed. Proper use of this report and final verification of the named individual’s identity is your sole
responsibility. If any adverse action is taken based in whole or in part on this consumer report, a copy of this report and a
summary of the consumer’s rights must be provided to the consumer prior to taking adverse action.

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USAFact, Inc.

Address History and AKA Locator (SSP) Check for SSN XXX-XX-5455 COMPLETE - Review :

Requested Information Retrieved Information

SSN: XXX-XX-5455 SSN IS VALID. ISSUED IN CA
IN THE YEAR 1997-1998

Summary Information
NAME VARIATIONS: 0 UNIQUE JURISDICTIONS: 0

Returned Information

Consent based SSN verification with the SSA for Mohammed Ali Sheik Mehaboob COMPLETE - Clear :

-------------------------- Request Has Been Completed --------------------------

Results from the SSA:
Response Code: 0000
Description: Verification Successful

Note: SSA result code 0000 means that the name, date of birth, and social security number you
supplied all match each other in the SSA’s database. In addition, this person is not deceased.

County Criminal History in SNOHOMISH county Washington (7 years) for Mohammed COMPLETE - Clear
:
Ali Sheik Mehaboob

Search Type : Felony Including Misdemeanor

No Records Found
Statewide Criminal History in Washington (7 years) for Mohammed Ali Sheik Mehaboob COMPLETE - Clear :

Search Type : Felony Including Misdemeanor

A Statewide Search may have been processed in lieu of counties as some Statewide Searches encompass all

No Records Found
Federal District Criminal History in WESTERN district Washington (7 years) for COMPLETE - Clear
:
Mohammed Ali Sheik Mehaboob

Search Type : Felony Including Misdemeanor

No Records Found
National Criminal and Sex Offender Database (NCD/NSO) for Mohammed Ali Sheik COMPLETE - Clear
:
Mehaboob

No Records Found
No Records Found will always post as the result for this service. Per FCRA Section 613, the details of validated and legally
reportable National Criminal Database records are reported under the county criminal search or another primary source section
of this report. Details of any reportable National Criminal Database records have been validated at the primary source for the data
and further filtered by applying FCRA and state law reporting limitations. If no records are reported elsewhere in this report: 1.
There were no records found in the National Criminal Database search, or 2. There were no legally reportable records found in
the National Criminal Database search.
International/Domestic Education at UNIVERSITY OF MADRAS in INDIA/Tennessee PENDING
:
(03/12/1987 - 03/12/1990)

3
USAFact, Inc.

Institution: UNIVERSITY OF MADRAS

Summary:
Provided on Application Materials Obtained From Education Interview Research Results
School Name: UNIVERSITY OF MADRAS
Major: BACHELOR OF COMMERCE
Degree(s): BACHELOR OF COMMERCE
School Type:
Date From: 03/12/1987
Date To: 03/12/1990
Graduated: Y
Graduation Date: 03/12/1990
Transcript:
GPA:
Student ID:
Address1:
Address2:
Country: INDIA
Province: TN
City: CHENNAI
Postal Code: 600005
Email:
Web Address:
Person Interviewed:
Interview Comments:
Researched By:
Comments:

Source Source Source Source

Date/Time Investigator Method Outcome
Name Title Location Phone/Fax
Fri Sep 15
2023
20:36:36
GMT+0530 USAFact
(India
Standard
Time)
Comments: Case initiated with University, ETA not confirmed.
Thu Sep 14
2023
11:29:13
GMT-0500 usafact Mohammed Candidate Email
(Central
Daylight
Time)
Continued on next page

4
USAFact, Inc.

Source Source Source Source

Date/Time Investigator Method Outcome
Name Title Location Phone/Fax
Comments: The requested documents have been received from the Candidate and submitted to our International Research
department for processing.
Wed Sep 13
2023
15:54:37
GMT-0500 usafact Giriraj Requester Email
(Central
Daylight
Time)
Comments: We requested a copy of the degree and final year marks.
Tue Sep 12
2023
12:01:55
GMT-0500 usafact Mohammed Candidate Email
(Central
Daylight
Time)
Comments: We requested a copy of the degree and final year marks.

Employment Verification with EXCELON SOLUTION LLC (09/01/2023 - current) COMPLETE - Verified :

Employer: EXCELON SOLUTION LLC

Provided by Subject Provided by Source Research Results

Employer Name: EXCELON SOLUTION LLC EXCELON SOLUTION LLC
Address 1: 2625 N JOSEY LN STE 322,
Address 2:
City: CARROLLTON
State: TX
Zip: 75007
Phone Number: 972-945-5085 972-945-5085
Position/Title: ORACLE EXADATA CONSULTANT ORACLE EXADATA CONSULTANT
Dates From: 09/01/2023 09/01/2023
Dates To: current current
Reason For Leaving: WORKING WORKING

Employer Comments:
Eligible for Rehire:
AKA’s on file:
Reason for rehire eligibility:
Order Comments:
Person Interviewed: SANDEEP PAPOLU
Person Interviewed Position:
Researched By:
Research Comments:

5
USAFact, Inc.

1. Was notice given prior to applicant leaving? yes

Employer has completed employment verification

Source Source Source Source

Date/Time Investigator Method Outcome
Name Title Location Phone/Fax
2023-09-12
VeriBot
05:42:26
Comments: Employment verification complete
2023-09-12 SANDEEP
05:42:26 PAPOLU
Comments: Employment verification finalized
2023-09-12
VeriBot
05:41:51
Comments: Employment verification link was accessed - viewed
2023-09-11
VeriBot
18:13:54
Comments: Employment verification sent to SANDEEP.PAPOLU@EXCELONSOLUTIONS.COM

Employment Verification with ACTIVISION BLIZZARD, INC (03/XX/1999 - 01/XX/2006) PENDING :

Employer: ACTIVISION BLIZZARD, INC

Provided by Subject Provided by Source Research Results

Employer Name: ACTIVISION BLIZZARD, INC
2701 OLYMPIC BOULEVARD.
Address 1:
BUILDING B.
Address 2:
City: Santa Monica
State: CA
Zip: 90404
Phone Number: 310-255-2000
Position/Title: IT MANAGER
Dates From: 03/XX/1999
Dates To: 01/XX/2006
Reason For Leaving: RELOCATED TO SEATTLE

Employer Comments:
Eligible for Rehire:
AKA’s on file:
Reason for rehire eligibility:
Order Comments:
Person Interviewed:
Person Interviewed Position:
Researched By:
Research Comments:

6
USAFact, Inc.

Source Source Source Source

Date/Time Investigator Method Outcome
Name Title Location Phone/Fax
Fri Sep 15
2023
09:30:10 ACTIVISION
310-255-
GMT-0700 USAFACT BLIZZARD, Phone
2000
(Pacific INC
Daylight
Time)
Comments: We have contacted the number provided, however, an option to leave a voice message was not available.
Additional research found the same number.
2023-09-14
system
11:06:00
Comments: employment verification Email Bounced
2023-09-14
VeriBot
11:03:58
Comments: Employment verification sent to FRANKLIN.BARRETTY@ACTIVISIONINC.COM

Employment Verification with AQIL - IT (02/12/2006 - 08/31/2023) COMPLETE - Verified :

Employer: AQIL - IT

Provided by Subject Provided by Source Research Results

Employer Name: AQIL - IT AQIL - IT
Address 1: 3532 184TH PLACE SE
Address 2:
City: BOTHELL
State: WA
Zip: 98012
Phone Number: 142-575-0159 142-575-0159
Position/Title: LEAD CLOUD SUPPORT ENGINEER LEAD CLOUD SUPPORT ENGINEER
Dates From: 02/12/2006 02/12/2006
Dates To: 08/31/2023 08/31/2023
Reason For Leaving: BETTER OPPORTUNITY BETTER OPPORTUNITY

Employer Comments: Very good employee

Eligible for Rehire:
AKA’s on file:
Reason for rehire eligibility:
Order Comments:
Person Interviewed: ALI
Person Interviewed Position:
Researched By:
Research Comments:

1. Was notice given prior to applicant leaving? Yes

Continued on next page

7
USAFact, Inc.

Employer has completed employment verification

Source Source Source Source

Date/Time Investigator Method Outcome
Name Title Location Phone/Fax
2023-09-11
VeriBot
18:18:51
Comments: Employment verification complete
2023-09-11
ALI
18:18:51
Comments: Employment verification finalized
2023-09-11
VeriBot
18:17:42
Comments: Employment verification link was accessed - viewed
2023-09-11
VeriBot
18:14:00
Comments: Employment verification sent to MALI@AQIL-IT.COM

Professional Reference Verification with MOHINI SINGH COMPLETE - Verified :

Provided by Subject Provided By Source

Contact Name MOHINI SINGH MOHINI SINGH
Reference Type
Contact Relationship MANAGER
Contact Phone 425-750-1595
Contact Email MOHINI.SINGH@AQIL-IT.COM
Contact Address
Contact City/State/Zip , ,

Order Comments
No Comments Provided

Source Comments
No Comments Provided

1. Verified Reference Name and Title: Mohini Singh Director

2. Relationship to Applicant: Employer
3. Duration of Employment: 10 years
4. Quality of Work? Comments: Excellent
5. Ability to learn new things quickly? Comments: Excellent
6. Ability to handle multiple tasks? Comments: Excellent
7. Ability to complete projects in a timely manner? Comments: Excellent
8. Ability to get along with others? Comments: Excellent
9. Customer Service Skills? Comments: Excellent
10. Ability to problem solve? Comments: Excellent
Continued on next page

8
USAFact, Inc.

11. Ability to work with minimum supervision? Comments: Excellent

12. Ability to verbally communicate effectively? Comments: Excellent
Reliability (comes to work on time, not taking excessive time
13. Excellent
off)? Comments:
14. Computer Skills? Comments: Excellent
Of all his/her work habits, what aspect would you say needs the
15. N/A
most improvement?
Of all his/her work habits, what aspects would you say are
16. Communication and Tech skills
his/her greatest strengths?
17. Rehireable? Comments: Yes
18. Reason for leaving (if applicable)? Personal
19. Anything else you’d like to say about this applicant? N/A
Reference has completed reference check

Source Source Source Source

Date/Time Investigator Method Outcome
Name Title Location Phone/Fax
2023-09-11
VeriBot
19:35:16
Comments: Reference check complete
2023-09-11 MOHINI
19:35:16 SINGH
Comments: Reference check finalized
2023-09-11
VeriBot
19:29:28
Comments: Reference check link was accessed - viewed
2023-09-11
VeriBot
14:20:28
Comments: Reference check link was accessed - viewed
2023-09-11
VeriBot
14:17:50
Comments: Reference check sent to MOHINI.SINGH@AQIL-IT.COM

Professional Reference Verification with JAVID UR COMPLETE - Verified :

Provided by Subject Provided By Source

Contact Name JAVID UR JAVID UR
Reference Type
Contact Relationship MANAGER
Contact Phone 408-480-7987
Contact Email JAVID.SHAIK@DBAMAZE.COM
Contact Address
Contact City/State/Zip , ,

Order Comments
No Comments Provided

Source Comments
No Comments Provided

9
USAFact, Inc.

1. Verified Reference Name and Title: Enterprise Architect for Database Practice
2. Relationship to Applicant: Employer
3. Duration of Employment: from 2019 jan
4. Quality of Work? Comments: Excellent
5. Ability to learn new things quickly? Comments: Excellent
6. Ability to handle multiple tasks? Comments: Excellent
7. Ability to complete projects in a timely manner? Comments: Excellent
8. Ability to get along with others? Comments: Excellent
9. Customer Service Skills? Comments: Excellent
10. Ability to problem solve? Comments: Excellent
11. Ability to work with minimum supervision? Comments: Excellent
12. Ability to verbally communicate effectively? Comments: Excellent
Reliability (comes to work on time, not taking excessive time
13. Excellent
off)? Comments:
14. Computer Skills? Comments: Excellent
Of all his/her work habits, what aspect would you say needs the
15. N/A
most improvement?
Of all his/her work habits, what aspects would you say are
16. Team collaborative work
his/her greatest strengths?
17. Rehireable? Comments: Yes
18. Reason for leaving (if applicable)? N/A
19. Anything else you’d like to say about this applicant? N/A
Reference has completed reference check

Source Source Source Source

Date/Time Investigator Method Outcome
Name Title Location Phone/Fax
2023-09-12
VeriBot
01:04:20
Comments: Reference check complete
2023-09-12
JAVID UR
01:04:20
Comments: Reference check finalized
2023-09-12
VeriBot
01:02:00
Comments: Reference check link was accessed - viewed
2023-09-11
VeriBot
14:18:03
Comments: Reference check sent to JAVID.SHAIK@DBAMAZE.COM

Professional Reference Verification with JOE VAYO COMPLETE - Verified :

Provided by Subject Provided By Source

Contact Name JOE VAYO
Reference Type
Contact Relationship TEAM LEAD
Contact Phone 704-661-4006
Contact Email Baud9600@gmail.com
Contact Address
Contact City/State/Zip , ,

Order Comments

10
USAFact, Inc.

No Comments Provided

Source Comments
No Comments Provided

1. Verified Reference Name and Title: JOE VAYO; Regional Technical Manger
2. Relationship to Applicant: He worked for me
3. Duration of Employment: 5 years
4. Quality of Work? Comments: Excellent
5. Ability to learn new things quickly? Comments: Excellent
6. Ability to handle multiple tasks? Comments: Good
7. Ability to complete projects in a timely manner? Comments: Good
8. Ability to get along with others? Comments: Good
9. Customer Service Skills? Comments: Excellent
10. Ability to problem solve? Comments: Excellent
11. Ability to work with minimum supervision? Comments: Excellent
12. Ability to verbally communicate effectively? Comments: Good
Reliability (comes to work on time, not taking excessive time
13. Excellent
off)? Comments:
14. Computer Skills? Comments: Excellent
English I know it is his second language. He does better talking
Of all his/her work habits, what aspect would you say needs the with people that have the same experience as him (second lan-
15.
most improvement? guage), where people who have more experience with it his can
have trouble.
Figure stuff out, he puts his detective hat on and he gets the
Of all his/her work habits, what aspects would you say are
16. work done. The customers love to come to him because he will
his/her greatest strengths?
find that information.
17. Rehireable? Comments: Yes
18. Reason for leaving (if applicable)? I left before he did, but I think a change in organization.
19. Anything else you’d like to say about this applicant? If I could hire him, I would. If you don’t take him I will.
Reference check Sent

Source Source Source Source

Date/Time Investigator Method Outcome
Name Title Location Phone/Fax
Wed Sep 13
2023
14:15:54
704-661-
GMT-0500 usafact JOE VAYO Phone
4006
(Central
Daylight
Time)
Continued on next page

11
USAFact, Inc.

Source Source Source Source

Date/Time Investigator Method Outcome
Name Title Location Phone/Fax
Comments: Verification has been obtained.
2023-09-13
VeriBot
07:37:56
Comments: Reference check sent to Baud9600@gmail.com
2023-09-12
VeriBot
07:37:54
Comments: Reference check sent to Baud9600@gmail.com
2023-09-11
system
14:18:06
Comments: reference check Email Bounced
2023-09-11
VeriBot
14:18:06
Comments: Reference check sent to JOE.VAYO@RMINISTREET.COM

Office of Foreign Asset Control (OFAC) Check COMPLETE - Clear :

The subject’s last name was compared against the United States Department of Treasury Specially Designated Nationals and
Blocked Person List and no match was found.

SmartPak to criminal7yr for Mohammed Ali Sheik Mehaboob COMPLETE - Clear :

Ordered searches in the following jurisdictions :

SNOHOMISH,WA

SmartPak to Federal 7yr for Mohammed Ali Sheik Mehaboob COMPLETE - Clear :

Ordered searches in the following jurisdictions :

WESTERN,WA

SmartPak to state 7yr for Mohammed Ali Sheik Mehaboob COMPLETE - Clear :

Ordered searches in the following states :

WA

Send CBSV Form COMPLETE - Clear :

No Records Found

12
USAFact, Inc.

Source Source Source Source

Date/Time Investigator Method Outcome
Name Title Location Phone/Fax
Thu Sep 14
2023
11:30:34
GMT-0500 usafact
(Central
Daylight
Time)
Comments: We have received an updated SSA89.
Wed Sep 13
2023
15:56:26
GMT-0500 usafact Giriraj Requester Email
(Central
Daylight
Time)
Comments: We requested the SSA89 from the candidate two times with no response, an email has been sent to your
offices regarding the same.

Technical Services COMPLETE - Clear :

No Records Found
Source Source Source Source
Date/Time Investigator Method Outcome
Name Title Location Phone/Fax
Thu Sep 14
2023
11:39:39
GMT-0500 usafact Mohammed Candidate Email
(Central
Daylight
Time)
Comments: The package requirements have been met.
Wed Sep 13
2023
15:57:00
GMT-0500 usafact Giriraj Requester Email
(Central
Daylight
Time)
Comments: We have requested additional employment history information.
Tue Sep 12
2023
12:05:18
GMT-0500 usafact Mohammed Candidate Email
(Central
Daylight
Time)
Continued on next page

13
USAFact, Inc.

Source Source Source Source

Date/Time Investigator Method Outcome
Name Title Location Phone/Fax
Comments: We have requested additional employment history information.

dS Breath Alcohol Test PENDING :

dS 5 Panel Plus 6AM and MDA for Mohammed Ali Sheik Mehaboob COMPLETE - Negative :

Test Type D2UFLQDF645105N

Test Package USAFND5UDOTLIKE
Donor Name Mohammed Ali Sheik Mehaboob
SSN XXX-XX-5455
Other ID 20727054
Reason For Test PRE-EMPLOYMENT
Collection Date 2023-09-12
Specimen Id CC13222694
Lab Name Quest Diagnostics
Lab Account 11466691
Location Code 564040
Reference ID 2023091119617
Combined Result NEGATIVE
--------------------------------------------------------------------------------
MRO Information
Name Janelle Jaworski M.D.
--------------------------------------------------------------------------------
Analyte Information
Analyte Name Amphetamines
Disposition NEGATIVE
--------------------------------------------------------------------------------
Analyte Information
Analyte Name Cocaine
Disposition NEGATIVE
--------------------------------------------------------------------------------
Analyte Information
Analyte Name Creatinine
Disposition NEGATIVE
--------------------------------------------------------------------------------
Analyte Information
Analyte Name Marijuana
Disposition NEGATIVE
--------------------------------------------------------------------------------
Analyte Information
Analyte Name MDA-Analogues
Disposition NEGATIVE
--------------------------------------------------------------------------------
Analyte Information
Analyte Name Nitrites
Disposition NEGATIVE
--------------------------------------------------------------------------------
Analyte Information
Analyte Name Opiates
Disposition NEGATIVE
--------------------------------------------------------------------------------
Analyte Information
Analyte Name PH

14
USAFact, Inc.

Disposition NEGATIVE
--------------------------------------------------------------------------------
Analyte Information
Analyte Name Phencyclidine (PCP)
Disposition NEGATIVE

15
 Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la
Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and
privacy of information in the files of consumer reporting agencies. There are many types of
consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies
that sell information about check writing histories, medical records, and rental history records).
Here is a summary of your major rights under FCRA. For more information, including
information about additional rights, go to www.consumerfinance.gov/learnmore or write
to: Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.

• You must be told if information in your file has been used against you. Anyone who
uses a credit report or another type of consumer report to deny your application for credit,
insurance, or employment – or to take another adverse action against you – must tell you,
and must give you the name, address, and phone number of the agency that provided the
information.

• You have the right to know what is in your file. You may request and obtain all the
information about you in the files of a consumer reporting agency (your “file
disclosure”). You will be required to provide proper identification, which may include
your Social Security number. In many cases, the disclosure will be free. You are entitled
to a free file disclosure if:

o a person has taken adverse action against you because of information in your
credit report;
o you are the victim of identity theft and place a fraud alert in your file;
o your file contains inaccurate information as a result of fraud;
o you are on public assistance;
o you are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon
request from each nationwide credit bureau and from nationwide specialty consumer
reporting agencies. See www.consumerfinance.gov/learnmore for additional
information.

• You have the right to ask for a credit score. Credit scores are numerical summaries of
your credit-worthiness based on information from credit bureaus. You may request a
credit score from consumer reporting agencies that create scores or distribute scores used
in residential real property loans, but you will have to pay for it. In some mortgage
transactions, you will receive credit score information for free from the mortgage lender.

• You have the right to dispute incomplete or inaccurate information. If you identify
information in your file that is incomplete or inaccurate, and report it to the consumer

1
 reporting agency, the agency must investigate unless your dispute is frivolous. See
www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

• Consumer reporting agencies must correct or delete inaccurate, incomplete, or

unverifiable information. Inaccurate, incomplete, or unverifiable information must be
removed or corrected, usually within 30 days. However, a consumer reporting agency
may continue to report information it has verified as accurate.

• Consumer reporting agencies may not report outdated negative information. In

most cases, a consumer reporting agency may not report negative information that is
more than seven years old, or bankruptcies that are more than 10 years old.

• Access to your file is limited. A consumer reporting agency may provide information
about you only to people with a valid need – usually to consider an application with a
creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a
valid need for access.

• You must give your consent for reports to be provided to employers. A consumer
reporting agency may not give out information about you to your employer, or a potential
employer, without your written consent given to the employer. Written consent generally
is not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore.

• You may limit “prescreened” offers of credit and insurance you get based on
information in your credit report. Unsolicited “prescreened” offers for credit and
insurance must include a toll-free phone number you can call if you choose to remove
your name and address from the lists these offers are based on. You may opt out with the
nationwide credit bureaus at 1-888-567-8688.

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

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE

You have a right to place a “security freeze” on your credit report, which will
prohibit a consumer reporting agency from releasing information in your credit
report without your express authorization. The security freeze is designed to prevent
credit, loans, and services from being approved in your name without your consent.
However, you should be aware that using a security freeze to take control over who gets
access to the personal and financial information in your credit report may delay, interfere
with, or prohibit the timely approval of any subsequent request or application you make
regarding a new loan, credit, mortgage, or any other account involving the extension of
credit.

As an alternative to a security freeze, you have the right to place an initial or extended
fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is

2
 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:

3
 TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with a. Consumer Financial Protection Bureau
total assets of over $10 billion and their affiliates 1700 G Street NW
Washington, DC 20552

b. Such affiliates that are not banks, savings b. Federal Trade Commission
associations, or credit unions also should list, in addition Consumer Response Center
to the CFPB: 600 Pennsylvania Avenue NW
Washington, DC 20580
(877) 382-4357
2. To the extent not included in item 1 above: a. Office of the Comptroller of the Currency
a. National banks, federal savings associations, and Customer Assistance Group
federal branches and federal agencies of foreign banks P.O. Box 53570
Houston, TX 77052

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

d. Federal Credit Unions d. National Credit Union Administration

Office of Consumer Financial Protection
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Assistant General Counsel for Office of Aviation Protection
Department of Transportation
1200 New Jersey Avenue SE
Washington, DC 20590
4. Creditors Subject to the Surface Transportation Board Office of Public Assistance, Governmental Affairs, and Compliance
Surface Transportation Board
395 E Street SW
Washington, DC 20423
5. Creditors Subject to the Packers and Stockyards Act, Nearest Packers and Stockyards Division Regional Office
1921
6. Small Business Investment Companies Associate Administrator, Office of Capital Access
United States Small Business Administration
409 Third Street SW, Suite 8200
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission
100 F Street NE
Washington, DC 20549
8. Institutions that are members of the Farm Credit Farm Credit Administration
System 1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Federal Trade Commission
Creditors Not Listed Above Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580
(877) 382-4357