Exact Background Checks Consumer Dispute Form | Page 1 of 5 Consumer Dispute Form Instructions If you believe there is inaccurate or incomplete information in your report, you have the right to file a consumer dispute with Exact Background Checks. We will reinvestigate the report free of charge and make any necessary changes within 30 days of receiving this form. Step 1: Complete this form. In the Nature of Dispute section, try to be as precise as possible about why you believe the disputed element (or elements) is inaccurate or incomplete. Step 2: Attach any supporting documentation (optional). If you have supporting documentation (e.g., a court expungement letter, proof of employment, etc.) be sure to include a copy with your form. Your detailed explanation and/or supporting documentation could help to expedite the reinvestigation process and resolve your dispute quicker. Step 3: Submit this form and any supporting documentation. Email, fax or mail in your completed form and supporting documentation to our Support team. For security purposes, please send any supporting documentation via mail. MailingAddress: Exact Background Checks 4261 E. University Dr., Suite 30-352 Prosper, TX 75078 Phone: 844-97CHECK (Mon - Fri: 8am - 8pm EST) Your Full Legal Name Your Physical Address as it appears on the consumer report Address City State Zip Code Your email address Date of the Report The Name of the Employer that Ran the Report
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Exact Background Checks ConsumerDisputeForm|Page1of5
ConsumerDisputeForm
InstructionsIfyoubelievethereisinaccurateorincompleteinformationinyourreport,youhavetherighttofileaconsumerdisputewithExact Background Checks.Wewillreinvestigatethereportfreeofchargeandmakeanynecessarychangeswithin30daysofreceivingthisform.
Step1:Completethisform.IntheNatureofDisputesection,trytobeaspreciseaspossibleaboutwhyyoubelievethedisputedelement(orelements)isinaccurateorincomplete.
Step2:Attachanysupportingdocumentation(optional).Ifyouhavesupportingdocumentation(e.g.,acourtexpungementletter,proofofemployment,etc.)besuretoincludeacopywithyourform.Yourdetailedexplanationand/orsupportingdocumentationcouldhelptoexpeditethereinvestigationprocessandresolveyourdisputequicker.
Step3:Submitthisformandanysupportingdocumentation.Email,faxormailinyourcompletedformandsupportingdocumentationtoourSupportteam.Forsecuritypurposes,pleasesendanysupportingdocumentationviamail.
MailingAddress:Exact Background Checks4261 E. University Dr., Suite 30-352Prosper, TX 75078
Phone:844-97CHECK(Mon-Fri:8am-8pmEST)
YourFullLegalName
YourPhysicalAddressasitappearsontheconsumerreport
Address
City State ZipCode
Youremailaddress DateoftheReport
TheNameoftheEmployerthatRantheReport
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DisputedReportElements
NatureofDispute
When,followingtheappropriateresearch,thedisputehasbeencompletedandinfohaseitherbeenremoved,modifiedornotchanged,doyouconsenttoreceivingthatcorrespondenceelectronically.Ifyoudonotprovideauthorization,wewillsendyournoticebyregularmail.Thiscanresultindelayedcommunication.
Iconsenttoreceivecorrespondenceelectronically.
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SectionIV:ASummaryofRightsUnderTheFCRA
Parainformaciónenespañol,visitewww.consumerfinance.gov/learnmoreoescribeala ConsumerFinancialProtectionBureau,1700GStreetN.W.,Washington,DC20552.
ThefederalFairCreditReportingAct(FCRA)promotestheaccuracy,fairness,and privacyofinformationinthefilesofconsumerreportingagencies.Therearemanytypesof consumerreportingagencies,includingcreditbureausandspecialtyagencies(suchasagencies thatsellinformationaboutcheckwritinghistories,medicalrecords,andrentalhistoryrecords). HereisasummaryofyourmajorrightsundertheFCRA.Formoreinformation,including informationaboutadditionalrights,gotowww.consumerfinance.gov/learnmoreorwrite to:ConsumerFinancialProtectionBureau,1700GStreetN.W.,Washington,DC20552.
• Youmustbetoldifinformationinyourfilehasbeenusedagainstyou.Anyonewhouses acreditreportoranothertypeofconsumerreporttodenyyourapplicationforcredit, insurance,oremployment–ortotakeanotheradverseactionagainstyou–musttellyou,and mustgiveyouthename,address,andphonenumberoftheagencythatprovidedthe information.
• Youhavetherighttoknowwhatisinyourfile.Youmayrequestandobtainallthe informationaboutyouinthefilesofaconsumerreportingagency(your“filedisclosure”). Youwillberequiredtoprovideproperidentification,whichmayincludeyourSocial Securitynumber.Inmanycases,thedisclosurewillbefree.Youareentitledtoafreefile disclosureif:
• apersonhastakenadverseactionagainstyoubecauseofinformationinyourcredit report;• youarethevictimofidentitytheftandplaceafraudalertinyourfile;• yourfilecontainsinaccurateinformationasaresultoffraud;• youareonpublicassistance;• youareunemployedbutexpecttoapplyforemploymentwithin60days.
Inaddition,allconsumersareentitledtoonefreedisclosureevery12monthsuponrequest fromeachnationwidecreditbureauandfromnationwidespecialtyconsumerreporting agencies.Seewww.consumerfinance.gov/learnmoreforadditionalinformation.
• Youhavetherighttoaskforacreditscore.Creditscoresarenumericalsummariesof yourcredit-worthinessbasedoninformationfromcreditbureaus.Youmayrequestacredit scorefromconsumerreportingagenciesthatcreatescoresordistributescoresusedin residentialrealpropertyloans,butyouwillhavetopayforit.Insomemortgagetransactions, youwillreceivecreditscoreinformationforfreefromthemortgagelender.
• Youhavetherighttodisputeincompleteorinaccurateinformation.Ifyouidentify informationinyourfilethatisincompleteorinaccurate,andreportittotheconsumer reportingagency,theagencymustinvestigateunlessyourdisputeisfrivolous.Seewww.consumerfinance.gov/learnmoreforanexplanationofdisputeprocedures.
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• Consumerreportingagenciesmustcorrectordeleteinaccurate,incomplete,or unverifiableinformation.Inaccurate,incomplete,orunverifiableinformationmustbe removedorcorrected,usuallywithin30days.However,aconsumerreportingagencymay continuetoreportinformationithasverifiedasaccurate.
• Consumerreportingagenciesmaynotreportoutdatednegativeinformation.Inmostcases,aconsumerreportingagencymaynotreportnegativeinformationthatismorethansevenyearsold,orbankruptciesthataremorethan10yearsold.
• Accesstoyourfileislimited.Aconsumerreportingagencymayprovideinformationabout youonlytopeoplewithavalidneed--usuallytoconsideranapplicationwithacreditor, insurer,employer,landlord,orotherbusiness.TheFCRAspecifiesthosewithavalidneed foraccess.
• Youmustgiveyourconsentforreportstobeprovidedtoemployers.Aconsumer reportingagencymaynotgiveoutinformationaboutyoutoyouremployer,orapotential employer,withoutyourwrittenconsentgiventotheemployer.Writtenconsentgenerallyis notrequiredinthetruckingindustry.Formoreinformation,gotowww.consumerfinance.gov/learnmore.
• Youmanylimit“prescreened”offersofcreditandinsuranceyougetbasedon informationinyourcreditreport.Unsolicited“prescreened”offersforcreditand insurancemustincludeatoll-freephonenumberyoucancallifyouchoosetoremoveyour nameandaddressfromtheliststheseoffersarebasedon.Youmayoptoutwiththe nationwidecreditbureausat1-888-5-OPTOUT(1-888-567-8688).
• Youmayseekdamagesfromviolators.Ifaconsumerreportingagency,or,insomecases, auserofconsumerreportsorafurnisherofinformationtoaconsumerreportingagency violatestheFCRA,youmaybeabletosueinstateorfederalcourt.
• Identitytheftvictimsandactivedutymilitarypersonnelhaveadditionalrights.For moreinformation,visitwww.consumerfinance.gov/learnmore.
StatesmayenforcetheFCRA,andmanystateshavetheirownconsumerreportinglaws.In somecases,youmayhavemorerightsunderstatelaw.Formoreinformation,contactyour stateorlocalconsumerprotectionagencyoryourstateAttorneyGeneral.Forinformation aboutyourfederalrights,contact:
ConsumerDisputeForm
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TYPEOFBUSINESS: PLEASECONTACT:
1.a.Banks,savingsassociations,andcredit unionswithtotalassetsofover$10billionand theiraffiliates
b. Suchaffiliatesthatarenotbanks,savings associations,orcreditunionsalsoshouldlist,inadditiontotheCFPB:
ConsumerFinancialProtectionBureau 1700GStreet,N.W.Washington,DC20552
FederalTradeCommission:Consumer ResponseCenter–FCRAWashington,DC20580(877)382-4357
2.Totheextentnotincludedinitem1above:
a.Nationalbanks,federalsavingsassociations, andfederalbranchesandfederalagenciesof foreignbanks
b.Statememberbanks,branchesandagencies offoreignbanks(otherthanfederalbranches, federalagencies,andInsuredStateBranchesof ForeignBanks),commerciallendingcompaniesownedorcontrolledbyforeign banks,andorganizationsoperatingunder section25or25AoftheFederalReserveAct
c.NonmemberInsuredBanks,InsuredState BranchesofForeignBanks,andinsuredstate savingsassociations
d.FederalCreditUnions
a.OfficeoftheComptrolleroftheCurrency CustomerAssistanceGroup1301McKinneyStreet,Suite3450Houston,TX77010-9050
b.FederalReserveConsumerHelpCenterP.O.Box.1200Minneapolis,MN55480
c.FDICConsumerResponseCenter 1100WalnutStreet,Box#11KansasCity,MO64106
d.NationalCreditUnionAdministration OfficeofConsumerProtection(OCP) DivisionofConsumerComplianceandOutreach(DCCO)1775DukeStreetAlexandria,VA22314
3. Aircarriers Asst.GeneralCounselforAviation Enforcement&ProceedingsAviationConsumerProtectionDivision DepartmentofTransportation1200NewJerseyAvenue,S.E.Washington,DC20590
4. CreditorsSubjecttotheSurface TransportationBoard OfficeofProceedings,SurfaceTransportation BoardDepartmentofTransportation 395EStreet,S.W.Washington,DC20423
5. CreditorsSubjecttothePackersand StockyardsAct,1921 NearestPackersandStockyards Administrationareasupervisor
6. SmallBusinessInvestmentCompanies AssociateDeputyAdministratorforCapital AccessUnitedStatesSmallBusinessAdministration 409ThirdStreet,
S.W.,8th FloorWashington,DC20416
7. BrokersandDealers SecuritiesandExchangeCommission 100FStreet,N.E.Washington,DC20549
8. FederalLandBanks,FederalLandBank Associations,FederalIntermediateCredit Banks,andProductionCreditAssociations
FarmCreditAdministration 1501FarmCreditDriveMcLean,VA22102-5090
9. Retailers,FinanceCompanies,andAllOther CreditorsNotListedAbove
FTCRegionalOfficeforregioninwhichthe creditoroperatesorFederalTrade Commission:ConsumerResponseCenter– FCRAWashington,DC20580(877)382-4357
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