Your rights under the Fair Credit Reporting Act

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

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:

  • a person has taken adverse action against you because of information in your credit report;
  • you are the victim of identity 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 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 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:

TYPE OF BUSINESS:

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 CFPB:

CONTACT:

a. Consumer Financial Protection Bureau
1700 G Street NW
Washington, DC 20552

b. Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580
(877) 382-4357

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TYPE OF BUSINESS:

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

CONTACT:

a. Office of the Comptroller of the Currency
Customer Assistance Group
P.O. Box 53570
Houston, TX 77052

b. Federal Reserve Consumer Help Center
P.O. Box 1200
Minneapolis, MN 55480

c. Division of Depositor and Consumer Protection
National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106

d. National Credit Union Administration
Office of Consumer Financial Protection
1775 Duke Street
Alexandria, VA 22314

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TYPE OF BUSINESS:

3. Air carriers

CONTACT:

Assistant General Counsel for Office of Aviation Consumer Protection
Department of Transportation
1200 New Jersey Avenue SE
Washington, DC 20590

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TYPE OF BUSINESS:

4. Creditors Subject to the Surface Transportation Board

CONTACT:

Office of Public Assistance, Governmental Affairs, and Compliance
Surface Transportation Board
395 E Street SW
Washington, DC 20423

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TYPE OF BUSINESS:

5. Creditors Subject to the Packers and Stockyards Act, 1921

CONTACT:

Nearest Packers and Stockyards Division Regional Office

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TYPE OF BUSINESS:

6. Small Business Investment Companies

CONTACT:

Associate Administrator, Office of Capital Access
United States Small Business Administration
409 Third Street SW, Suite 8200
Washington, DC 20416

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TYPE OF BUSINESS:

7. Brokers and Dealers

CONTACT:

Securities and Exchange Commission
100 F Street NE
Washington, DC 20549

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TYPE OF BUSINESS:

8. Institutions that are members of the Farm Credit System

CONTACT:

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

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TYPE OF BUSINESS:

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

CONTACT:

Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580
(877) 382-4357

A Summary of Your Rights Under California Law

MyGuardForce keeps records about security officers, such as licence and registration status, that companies may use in decisions about hiring, scheduling and keeping you on. California's Investigative Consumer Reporting Agencies Act (Civil Code section 1786 and following) gives you these rights in addition to your rights under the federal Fair Credit Reporting Act.

See your file. You may see everything in your file and the sources of it. You can:

• open it in the MyGuardForce app;
• ask us to email it to you as a PDF, sent to the email address we have on record for you;
• ask us to mail a copy to the mailing address we have on record for you;
• see it in person, by appointment only, at 10866 Washington Blvd. #309, Culver City, CA 90232. To book, email support@myguardforce.com. Bring proper identification. You may bring one other person who also shows identification (we may ask you to sign a note allowing us to discuss your file in front of them); or
• ask in writing for a summary by phone.

Proper identification means a driver's licence, a state ID card or a military ID. We never ask for your Social Security number. We will ask about your work or family history only if you cannot identify yourself another way.

A copy of your file is free. Trained staff can explain anything in your file, and any codes in it are explained in writing with your copy.

Dispute what is wrong. If you think something in your file is incomplete or inaccurate, tell us. We will look into it free of charge and finish within 30 days. If we cannot confirm the information, we will correct or remove it. You can add a statement to your file if you still disagree after our review.

Contact us. MyGuardForce, 10866 Washington Blvd. #309, Culver City, CA 90232. Phone 310-838-2787, answered by a live representative 9 a.m. to 6 p.m. Pacific time, Monday to Friday, except holidays. Email support@myguardforce.com. Our privacy practices, including whether any information is sent outside the United States, are at www.myguardforce.com/legal/investigative-reports-privacy.

You also have rights under federal law. See "A Summary of Your Rights Under the Fair Credit Reporting Act", which comes with this notice.

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Resumen de Sus Derechos Conforme a la Ley de California

MyGuardForce conserva registros relacionados con los oficiales de seguridad, como el estado de sus licencias y registros, que las empresas pueden utilizar para tomar decisiones sobre contratación, asignación de turnos y continuidad en el empleo. La Ley de Agencias de Informes de Investigación del Consumidor de California (California’s Investigative Consumer Reporting Agencies Act, Código Civil, sección 1786 y siguientes) le otorga los siguientes derechos, además de los que le corresponden conforme a la Ley Federal de Informes Justos de Crédito (Fair Credit Reporting Act).

Consulte su expediente. Usted tiene derecho a revisar toda la información que contiene su expediente, así como las fuentes de dicha información. Puede:

• Consultarlo en la aplicación de MyGuardForce;
• Solicitar que se lo enviemos por correo electrónico en formato PDF a la dirección de correo electrónico que tenemos registrada;
• Solicitar que le enviemos una copia por correo postal a la dirección que tenemos registrada;
• Consultarlo personalmente, únicamente con cita previa, en 10866 Washington Blvd. #309, Culver City, CA 90232. Para programar una cita, envíe un correo electrónico a support@myguardforce.com. Deberá presentar una identificación válida. Puede acudir acompañado de otra persona, quien también deberá presentar una identificación (es posible que le solicitemos firmar una autorización para permitirnos hablar sobre su expediente en presencia de esa persona); o
• Solicitar por escrito que le proporcionemos un resumen de su expediente por teléfono.

Se considera identificación válida una licencia de conducir, una tarjeta de identificación estatal o una identificación militar. Nunca le solicitaremos su número de Seguro Social. Únicamente le preguntaremos sobre su historial laboral o familiar si no es posible verificar su identidad de otra manera.

La copia de su expediente es gratuita. Nuestro personal capacitado puede explicarle cualquier información que contenga su expediente. Asimismo, cualquier código incluido en el expediente será explicado por escrito junto con la copia que se le proporcione.

Impugne cualquier información incorrecta. Si considera que alguna información de su expediente está incompleta o es inexacta, infórmenos. Investigaremos el asunto sin costo alguno y concluiremos la investigación dentro de un plazo de 30 días. Si no podemos confirmar la información, la corregiremos o eliminaremos. Si después de nuestra revisión continúa en desacuerdo, puede agregar una declaración a su expediente para dejar constancia de su desacuerdo.

Comuníquese con nosotros. MyGuardForce, 10866 Washington Blvd. #309, Culver City, CA 90232. Teléfono: 310-838-2787. Nuestro teléfono es atendido por un representante en vivo de lunes a viernes, de 9:00 a. m. a 6:00 p. m., hora del Pacífico, excepto los días festivos. Correo electrónico: support@myguardforce.com. Nuestras prácticas de privacidad, incluida la información sobre si algún dato se envía fuera de los Estados Unidos, están disponibles en: www.myguardforce.com/legal/investigative-reports-privacy.

Usted también tiene derechos conforme a la ley federal. Consulte el documento «Resumen de Sus Derechos Conforme a la Ley de Informes Justos de Crédito» (A Summary of Your Rights Under the Fair Credit Reporting Act), que se incluye junto con este aviso.