| | | 20,000+ Fresh Resumes Monthly | |
|
|
| |
Click here or scroll down to respond to this candidateCandidate's Name
Street Address Hollins Ferry Rd.Baltimore, MD Street Address
Talib A Davis, IIStreet Address Chalgrove AveBaltimore, MD Street Address
July 7, 2022, 3:50 pmDear Talib A Davis, II,Please be aware that your employment or contracted service with our company has been denied wholly or partly on the information we obtained from your background investigation report. In accordance with the Fair Credit Reporting Act, please be aware that: The Name, address and telephone number of the Consumer Reporting Agencies that provided the report are: HireRight, LLC3349 Michelson DriveSuite 150Irvine, CA 92612Phone: PHONE NUMBER AVAILABLEFax: PHONE NUMBER AVAILABLEE-mail: EMAIL AVAILABLEPre-Employment Screening Program (PSP)Federal Motor Carrier Safety Administration1200 New Jersey Avenue SE, Washington, DC 20590PHONE NUMBER AVAILABLEThe Work NumberEquifax Workforce Solutions1432 Lackland Rd.Saint Louis, MO 63146PHONE NUMBER AVAILABLEDriverFacts5051 E. Orangethorpe Ave.Suite E265Anaheim, CA 92807PHONE NUMBER AVAILABLEDriverIQ4500 S 129th E Ave, Suite 127Tulsa, OK 74134Phone: PHONE NUMBER AVAILABLEEmail: EMAIL AVAILABLEWeb: https://www.cisive.com/dispute-a-background-report The Agency listed above did not make the employment or contracted service decision and is not able to explain why the decision was made. However, the Agency can explain the content of your background investigation report. You have the right to obtain free disclosure of your file from the Agency if you request the report within 60 days. You have the right to dispute directly with the Consumer Reporting Agency the accuracy or completeness of any information. Sincerely,Application Processing DepartmentCowan Systems, LLC1Para informacin en espaol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., 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 N.W., Washington, DC 20552.You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your file disclosure). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: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 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 form the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-888-5-OPTOUT (PHONE NUMBER AVAILABLE.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 placed on a consumers credit file. Upon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact:TYPE OF BUSINESS: CONTACT:1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliatesb. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the CFPB: a. Consumer Financial Protection Bureau1700 G Street, N.W.Washington, DC 20552b. Federal Trade CommissionConsumer Response Center600 Pennsylvania Avenue, N.W.Washington, DC 20580PHONE NUMBER AVAILABLE2. To the extent not included in item 1 above:a. National banks, federal savings associations, and federal branches and federal agencies of foreign banksb. 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 Unionsa. Office of the Comptroller of the CurrencyCustomer Assistance Group1301 McKinney Street, Suite 3450Houston, TX 77010-9050b. Federal Reserve Consumer Help CenterP.O. Box 1200Minneapolis, MN 55480c. FDIC Consumer Response Center1100 Walnut Street, Box #11Kansas City, MO 64106d. National Credit Union AdministrationOffice of Consumer Financial Protection (OCFP)Division of Consumer Compliance Policy and Outreach 1775 Duke StreetAlexandria, VA 223143. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection DivisionDepartment of Transportation1200 New Jersey Avenue, S.E.Washington, DC 205904. Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board Department of Transportation395 E Street, S.W.Washington, DC 204235. Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor 6. Small Business Investment Companies Associate Deputy Administrator for Capital Access United States Small Business Administration409 Third Street, S.W., Suite 8200Washington, DC 204167. Brokers and Dealers Securities and Exchange Commission 100 F Street, N.E.Washington, DC 205498. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit AssociationsFarm Credit Administration1501 Farm Credit DriveMcLean, VA 22102-50909. Retailers, Finance Companies, and All Other Creditors Not Listed AboveFederal Trade CommissionConsumer Response Center600 Pennsylvania Avenue, N.W.Washington, DC 20580PHONE NUMBER AVAILABLEA Summary of Your RightsUnder Washingtons Fair Credit Reporting ActUnder the Washington state Fair Credit Reporting Act (WFCRA or the Act), an employer, before taking adverse employment action, is required to provide the applicant or employee with a summary of their rights under the Act with respect to consumer reports or investigative consumer reports obtained for employment purposes from a consumer reporting agency (CRA). This Summary is intended to serve that purpose. You can find the complete text of the WFCRA, Wash. Rev. Code 19.182.00519.182.902, at the Washington State Legislatures web site (http://www.leg.wa.gov). You may have additional rights under the federal Fair Credit Reporting Act, 15 U.S.C. 1681-1681u, which is available on the Internet at the Federal Trade Commissions web site (http://www.ftc.gov).You must consent to the procurement for employment purposes of a report about you. Before an employer can obtain a report about you from a CRA, the employer must provide you with notice that it will request the report and obtain your consent to that request. A CRA may not give out information about you to your employer, or prospective employer, without your written consent.You must be told if information in your file has been used against you for employment purposes. An employer who uses information from a consumer or investigative consumer report to take action against you such as denying an application for employment or terminating employment must tell you that its decision is based in whole or in part on the report and give you the name, address and phone number of the CRA that provided the report. The employer also must provide you with a description of your rights under the WFCRA and a reasonable opportunity to dispute with the CRA any information on which the employer relied.You can find out what is in your file. At your request, a CRA must give you the information in your file (except that medical information may be withheld), and a list of everyone who has recently requested your file. These disclosures may be made in person, over the telephone or by any other reasonable method available to the CRA. At your request, any medical information contained in your file will be disclosed to the healthcare provider of your choice.You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must reinvestigate the disputed items, free of charge, within 30 business days, unless the CRA determines that the dispute is frivolous or irrelevant. The CRA must give you a written report of the investigation. If the CRAs investigation does not resolve the dispute, you may add a brief statement to your file. 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 within 30 business days after you dispute it. 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 business name and address.You may seek damages from violators. If a CRA, a user or (in some cases) a provider of CRA data violates the WFCRA, you may sue them in state court. A Summary of Your RightsUnder New Jerseys Fair Credit Reporting ActUnder the New Jersey Fair Credit Reporting Act (NJFCRA or the Act), an employer, before taking adverse employment action, is required to provide the applicant or employee with a summary of their rights under the Act with respect to consumer reports or investigative consumer reports obtained for employment purposes from a consumer reporting agency (CRA). This Summary is intended to serve that purpose.You can find the complete text of the NJCRA, N.J. Stat. 56:11-29 56:11041, at the New Jersey State Legislatures web site (http://www.njleg.state.nj.us/). You may have additional rights under the federal Fair Credit Reporting Act, 15 U.S.C. 1681-1681u, which is available on the Internet at the Federal Trade Commissions web site (http://www.ftc.gov).You must consent to the procurement for employment purposes of a report about you. Before an employer can obtain a report about you from a CRA, the employer must provide you with notice that it will request the report and obtain your consent to that request. A CRA may not give out information about you to your employer, or prospective employer, without your written consent.You must be told if information in your file has been used against you for employment purposes. An employer who uses information from a consumer or investigative consumer report to take action against you such as denying an application for employment or terminating employment must tell you that its decision is based in whole or in part on the report. The employer also must provide you with a description of your rights under the NJCRA and a reasonable opportunity to dispute with the CRA any information on which the employer relied.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 recently requested your file. These disclosures may be made in person, over the telephone or by any other reasonable method available to the CRA.You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must reinvestigate the disputed items, free of charge, within 30 days, unless the CRA determines that the dispute is frivolous or irrelevant. The CRA must give you a written report of the investigation. If the CRAs investigation does not resolve the dispute, you may add a brief statement to your file. 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 within 30 days after you dispute it. 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 business name and address.You may seek damages from violators. If a CRA, a user or (in some cases) a provider of CRA data violates the NJFCRA, you may sue them in state court.(NEW YORK APPLICANTS ONLY)ARTICLE 23-A, NEW YORK STATE CORRECTION LAW 750. Definitions. For the purposes of this article, the following terms shall have the following meanings:(1) Public agency means the state or any local subdivision thereof, or any state or local department, agency, board or commission.(2) Private employer means any person, company,corporation, labor organization or association which employs ten or more persons.(3) Direct relationship means that the nature of criminal conduct for which the person was convicted has a direct bearing on his fitness or ability to perform one or more of the duties or responsibilities necessarily related to the license, opportunity, or job in question.(4) License means any certificate, license, permit or grant of permission required by the laws of this state, its political subdivisions or instrumentalities as a condition for the lawful practice of any occupation, employment, trade, vocation, business, or profession. Provided, however, that license shall not, for the purposes of this article, include any license or permit to own, possess, carry, or fire any explosive, pistol, handgun, rifle, shotgun, or other firearm.(5) Employment means any occupation, vocation or employment, or any form of vocational or educational training. Provided, however, that employment shall not, for the purposes of this article, include membership in any law enforcement agency. 751. Applicability. The provisions of this article shall apply to any application by any person for a license or employment at any public or private employer, who has previously been convicted of one or more criminal offenses in this state or in any other jurisdiction, and to any license or employment held by any person whose conviction of one or more criminal offenses in this state or in any other jurisdiction preceded such employment or granting of a license, except where a mandatory forfeiture, disability or bar to employment is imposed by law, and has not been removed by an executive pardon, certificate of relief from disabilities or certificate of good conduct. Nothing in this article shall be construed to affect any right an employer may have with respect to an intentional misrepresentation in connection with an application for employment made by a prospective employee or previously made by a current employee. 752. Unfair discrimination against persons previously convicted of one or more criminal offenses prohibited. No application for any license or employment, and no employment or license held by an individual, to which the provisions of this article are applicable, shall be denied or acted upon adversely by reason of the individuals having been previously convicted of one or more criminal offenses, or by reason of a finding of lack of good moral character when such finding is based upon the fact that the individual has previously been convicted of one or more criminal offenses, unless:(1) there is a direct relationship between one or more of the previous criminal offenses and the specific license or employment sought or held by the individual; or(2) the issuance or continuation of the license or the granting or continuation of the employment would involve an unreasonable risk to property or to the safety or welfare of specific individuals or the general public. 753. Factors to be considered concerning a previous criminal conviction; presumption.1. In making a determination pursuant to section seven hundred fifty-two of this chapter, the public agency or private employer shall consider the following factors:(a) The public policy of this state, as expressed in this act, to encourage the licensure and employment of persons previously convicted of one or more criminal offenses.(b) The specific duties and responsibilities necessarily related to the license or employment sought or held by the person.(c) The bearing, if any, the criminal offense or offenses for which the person was previously convicted will have on his fitness or ability to perform one or more such duties or responsibilities.(d) The time which has elapsed since the occurrence of the criminal offense or offenses.(e) The age of the person at the time of occurrence of the criminal offense or offenses.(f) The seriousness of the offense or offenses.(g) Any information produced by the person, or produced on his behalf, in regard to his rehabilitation and good conduct.(h) The legitimate interest of the public agency or private employer in protecting property, and the safety and welfare of specific individuals or the general public.2. In making a determination pursuant to section seven hundred fifty-two of this chapter, the public agency or private employer shall also give consideration to a certificate of relief from disabilities or a certificate of good conduct issued to the applicant, which certificate shall create a presumption of rehabilitation in regard to the offense or offenses specified therein. 754. Written statement upon denial of license or employment. At the request of any person previously convicted of one or more criminal offenses who has been denied a license or employment, a public agency or private employer shall provide, within thirty days of a request, a written statement setting forth the reasons for such denial. 755. Enforcement.1. In relation to actions by public agencies, the provisions of this article shall be enforceable by a proceeding brought pursuant to article seventy-eight of the civil practice law and rules.2. In relation to actions by private employers, the provisions of this article shall be enforceable by the division of human rights pursuant to the powers and procedures set forth in article fifteen of the executive law, and, concurrently, by the New York city commission on human rights.PHILADELPHIAS FAIR CHANCE HIRING LAWENSURING PEOPLE WITH CRIMINAL RECORDS HAVE A FAIR CHANCE TO WORK Starting March 14, 2016, stronger protections under the Citys Ban the Box law go into effect. It is illegal in Philadelphia for employers* toask about your criminal background duringthe job application process.This means that:Employers cannot ask about your criminalbackground on job applications or during anyjob interview.Employers can run your criminal backgroundcheck ONLY AFTER a conditional offer ofemployment is made (final hiring depends on theresults of your background check). Criminal convictions can be consideredONLY if they occurred less than 7 yearsfrom when you apply (not counting timeof incarceration). Arrests that did not lead to convictioncannot be used in employmentdecisions.If your background check reveals a conviction,the employer must consider: The type of offenses and the time thathas passed since it occurred; In connection to the job you areapplying for; and Your job history, character references,and any evidence of rehabilitation.Employers can reject you based on your criminalrecord ONLY if you pose an unacceptable riskto the business or to other people.If you are rejected, the employer must send thedecision to you in writing with a copy of thebackground report used to make the decision. You have 10 days to give an explanationof your record, proof that it is wrong, orproof of rehabilitation.WE CAN HELP!If you believe an employer has violated the law, you can file a complaint with the PCHR. Philadelphia Commission on Human Rights601 Walnut Street, Suite 300 SouthPhiladelphia, PA 19106(p) PHONE NUMBER AVAILABLE (f) PHONE NUMBER AVAILABLEEmail: EMAIL AVAILABLEwww.phila.gov/humanrelations*Some employers are exempt.MASSACHUSETTS CRIMINAL RECORD INFORMATION POLICYThis Policy applies to the Companys operations in Massachusetts. 1. Before asking employment applicants and employees about their criminal records, the Company will provide them with copies of the records if the Company is in possession of the records. 2. Before taking an adverse employment action against an employment applicant or employee based, in whole or in part, on criminal history records, the Company will notify the individual of the potential adverse employment decision. The notice will include the criminal history records, the sources of the records, a copy of this Policy and a copy of information from the state agency about the process for correcting a criminal record. 3. The Company will also provide the individual with an opportunity to dispute the accuracy of the criminal history records by waiting at least five business days before taking final adverse action. Nothing in this Policy is intended to impose any obligations on the Company that are greater than those required by applicable law.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 02150 or by calling (617) 660-4640 or go to http://www.mass.gov/Eeops/docs/cjis/cori_request_personal.pdf. 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 review the disposition code and how to read a criminal record on the DCJIS website www.mass.gov/cjis/cori/cori_bop.html. 4. The DCJIS does not offer walk-in service but you may call our Legal Division at (617) 660-4760 for assistance or the CARI Unit of the Office of the Commissioner of Probation at (617)727-5300. 5. 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 www.mass.gov/cjis/cori/cori_codes_court.html.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.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 PHONE NUMBER AVAILABLE CALIFORNIA DISCLOSURE REGARDING BACKGROUND CHECKS DOCUMENT In connection with your employment or owner-operator (independent contractor) application, Candidate's Name ("Company") may order a consumer report or investigative consumer report on you. If you are hired or engaged as an owner-operator (independent contractor), additional consumer reports may be obtained for employment |
