Request a Copy of Your Report

We may receive file disclosure requests from consumers during our business. These requests may take several forms:

(A) in person, upon the appearance of the consumer at our place of business where disclosures are regularly provided, during normal business hours, and on reasonable notice;

(B) by telephone, if the consumer has made a written request for disclosure by telephone;

(C) by electronic means, i.e., email;

(D) by mail

(E) by any other means we deem reasonable

Regardless of the means, by which, the consumer requests the file, we first confirm the identity of the consumer.

Identification of Consumer

If the request is made in person, we require a government-issued ID. If we receive the request by telephone, we follow our procedures detailed in clause 6.7, “Consumer Authentication.” If we receive an email or mailed request from a consumer, we authenticate identity by confirmation of full name as provided on the consumer report and at least two of the following:

1) date of birth,

2) street address used on application or authorization document,

3) last four digits of SSN/Country ID,

4) driver's license number, and

5) report ID number.

If the consumer did not provide us with the necessary identification information, we will contact the consumer to obtain it if the consumer provided contact information.

File Information Provided

Upon authentication of identity, we provide all information in the consumer file including:

• Identification of each person procuring a consumer report for employment purposes about the consumer for the 2-year period preceding consumer request and upon request of the consumer, the address and telephone number of the person. and,
• Source information except those acquired and used solely in preparing an investigative consumer report.
• The current Federal Summary of Rights document and if applicable, any state-required forms.

There are instances in which we receive full file disclosure requests from consumers upon whom we have no information. In these cases, we advise the consumer and if, provided with an address, mail them a letter to this effect along with the Federal Summary of Rights and any required state-specific forms.

Creation and Maintenance of Response to Consumers

When we make a file disclosure to a consumer, we add the consumer to our listing/record of file disclosures. The record we create on each consumer contains:

• the identification information of the consumer,
• the date of the response,
• an overview of the information provided
• the method of disclosure (mail, in-person, etc.)

We maintain the consumer disclosure record for a minimum of 6 months.