Employees Notice

Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe
a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC

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 20006.

•  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 identify theft and place a fraud alert in your file;

•  your file contains inaccurate information as a result of fraud;

•  you are on public assistance;

•  you are unemployed but expect to apply for employment within 60 days.

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

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

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

•  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

•  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.


•  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:



1.a. Banks, savings associations, and credit unions with total assets of
  over $10 billion and their affiliates.

b. Such affiliates that are not banks, savings associations, or credit
unions also should list, in addition to the Bureau:

a.   Bureau of Consumer Financial Protection 1700 G Street NW Washington,
DC 20006

b.   Federal Trade Commission: Consumer Response Center – FCRA Washington,
DC 20580 (877) 382-4357

2.   To the extent not included in item 1 above:

a.   National banks, federal savings associations, and federal branches
and federal agencies of foreign banks

b.   State member banks, branches and agencies of foreign banks (other
than federal branches, federal agencies, and insured state branches of
foreign banks), commercial lending companies owned or controlled by
foreign banks, and organizations operating under section 25 or 25A of the
Federal Reserve Act

c.   Nonmember Insured Banks, Insured State Branches of Foreign Banks, and
insured state savings associations

d.   Federal Credit Unions

a.   Office of the Comptroller of the Currency Customer Assistance Group
1301 McKinney Street, Suite 3450 Houston, TX 77010-9050

b.   Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN

c.   FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas
City, MO 64106

d.   National Credit Union Administration Office of Consumer Protection
(OCP) Division of Consumer Compliance and Outreach (DCCO) 1775 Duke
Street, Alexandria, VA 22314

3.   Air carriers Asst. General Counsel for Aviation Enforcement
     & Proceedings Department of Transportation 400 Seventh Street SW
     Washington, DC 20590

4.   Creditors Subject to Surface Transportation Board Office of
     Proceedings, Surface Transportation Board Department of
     Transportation 1925 K Street NW Washington, DC 20423

5.   Creditors Subject to Packers and Stockyards Act

Nearest Packers and Stockyards Administration area supervisor

6.   Small Business Investment Companies Associate Deputy Administrator
     for Capital Access United States Small Business Administration 406
     Third Street, SW, 8th Floor Washington, DC 20416

7.   Brokers and Dealers Securities and Exchange Commission 100 F St NE,
     Washington, DC 20549

8.   Federal Land Banks, Federal Land Bank Associations, Federal
     Intermediate Credit Banks, and Production Credit Associations

9.   Retailers, Finance Companies, and All Other Creditors Not Listed

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

FTC Regional Office for region in which the creditor operates or Federal
Trade Commission: Consumer Response Center – FCRA Washington, DC 20580
(877) 382-4357

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