Order # 1853807705 Morgan, Michelle Lavette

Order Status: Complete (Archived) USA 1 (888) 889-5248

Order Result: PASSED [Link]@[Link]
Europe +44 (0)2087410000 - Option 2

Confidential Background Screening Report

Important Disclosures

This report or portions of this report may have been rated or scored pursuant to criteria provided
by the end-user. The rating is merely to ease the reviewer(s) review of the report and does not
indicate that any employment decision has been made. Regardless of any rating applied by
Sterling based on the end-user's criteria, the end-user must review all reports to conduct a case-
by-case individualized analysis before making any decision.

References to a specific "Level" in the Result Column or as indicated in a Component Title are
based solely on an end-user's criteria and do not refer to any label used by any sex offender
registry, government agency, or public record repository.

Sterling provides the information contained in this report to End-User to be used solely for a
permissible purpose as defined in the Fair Credit Reporting Act. If the End-User intends to take
adverse action based in whole or in part on the contents of this report, the End-User must provide
the consumer with notices that it is taking adverse action and those notices must comply with the
FCRA and state law. All information contained in this report is provided pursuant to the terms of
the End-User Agreement. End-User further understands that it uses any and all information
provided by Sterling at its own risk and End-User is solely liable for complying with all federal,
state, and local laws. The information contained in this report is confidential and may only be
accessed by authorized employees of End-User, provided to the consumer about who it relates, or
provided as otherwise required by law.

The scope of the criminal history search is governed by state and federal reporting restrictions
and client request. Generally, records will be reported for 7 years. Due to state and federal
reporting guidelines for consumer reporting agencies, records may or may not exist that may not
be reported.

Order Information Candidate Information

First Name Address

Michelle 17515 Sandy Cliffs Drive
Houston, TX 77090
Middle Name
Lavette Phone
(281) 850-4390
Last Name
Morgan Email
[Link]@[Link]

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Account Name Created Date
BURLINGTON COAT 2024-07-22
FACTORY WAREHOUSE
CORPORATION Completed Date
2024-07-22
Account Location
BURLINGTON,, NJ Screening Package
Corp Hourly & Store
Billing Code Associates
100543

Report Summary

Search Identifier Status Result

SSN Trace XXX-XX-1712 Complete UNPERFORMABLE

DOJ Sex Offender Search Morgan, Michelle Lavette Complete PASSED

Client Matrix Application Morgan, Michelle Lavette, Client Matrix Complete COMPLETE
Application
Enhanced Nationwide Criminal Morgan, Michelle Lavette Complete CLEAR
Search

SSN Trace—XXX-XX-1712 UNPERFORMABLE

Data As Provided

SSN XXX-XX-1712
Last Name Morgan
First Name Michelle
Middle Name Lavette
This search information is an investigative tool only and should not be used as the basis of any employment decision.

Reported Data

Report requested on: 2024-07-22 Report completed on: 2024-07-22

No results returned.

DOJ Sex Offender Search—Morgan, Michelle Lavette PASSED

Data As Provided Verified Data

Last Name Morgan Report requested on: 2024-07-22

Report completed on: 2024-07-22
First Name Michelle

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Middle Lavette Case Limitations on the DOJ Sex Offender
Name Comments Search.
1. NEVADA: This search does not provide
SSN XXX-XX-1712 results from the State of Nevada, as by
both statute and regulation, information
DOB XXXX-03-12 from the Nevada Sex Offender Registry
Race Unknown web site cannot be used for employment
purposes and cannot be distributed
Gender Unknown commercially.
2. OREGON: This search has special
conditions from the state of Oregon.
Information is only provided for sex
offenders who have been designated as
Predatory, as provided in ORS 181.585,
who have been determined to present the
highest risk of reoffending and to require
the widest range of notification or are
found to be a sexually violent dangerous
offender under ORS 144.635.

Client Matrix Application—Morgan, Michelle Lavette, Client Matrix Application COMPLETE

Data As Provided Verified Data

Last Name Morgan Report requested on: 2024-07-22

Report completed on: 2024-07-22
First Name Michelle
Middle Lavette
Name

Enhanced Nationwide Criminal Search—Morgan, Michelle Lavette CLEAR

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Data As Provided Verified Data

Last Name Morgan Report requested on: 2024-07-22

Report completed on: 2024-07-22
First Name Michelle
Middle Lavette
Name
SSN XXX-XX-1712
DOB XXXX-03-12
Race Unknown
Gender Unknown
The Enhanced Nationwide search is a national database,
made up of various state and local sources. It does not
cover every US jurisdiction. The verified results can be
found under the header of the appropriate jurisdiction on
this report.

Required Notices

Para información en español, visite [Link]/learnmore o escribe a la

Consumer Financial Protection Bureau, 1700 G Street NW, 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
[Link]/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 [Link]/learnmore for additional information.

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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

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reporting agency, the agency must investigate unless your dispute is frivolous. See
[Link]/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 [Link]/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

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 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 [Link]/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 a. Consumer Financial Protection Bureau
unions with total assets of over $10 billion and 1700 G Street, NW
their affiliates Washington, DC 20552

b. Such affiliates that are not banks, savings b. Federal Trade Commission
associations, or credit unions also should list, in Consumer Response Center
addition to the CFPB: 600 Pennsylvania Avenue, NW
Washington, DC 20580
(877) 382-4357

2. To the extent not included in item 1 above: a. Office of the Comptroller of the Currency
a. National banks, federal savings associations, Customer Assistance Group
and federal branches and federal agencies of P.O. Box 53570
foreign banks Houston, TX 77052

b. State member banks, branches and agencies b. Federal Reserve Consumer Help Center
of foreign banks (other than federal branches, P.O. Box 1200
federal agencies, and Insured State Branches of Minneapolis, MN 55480
Foreign Banks), commercial lending companies
owned or controlled by foreign banks, and c. Division of Depositor and Consumer Protection
organizations operating under section 25 or 25A National Center for Consumer and Depositor
of the Federal Reserve Act. Assistance
Federal Deposit Insurance Corporation
c. Nonmember Insured Banks, Insured State 1100 Walnut Street, Box #11
Branches of Foreign Banks, and insured state Kansas City, MO 64106
savings associations
d. National Credit Union Administration
d. Federal Credit Unions Office of Consumer Financial Protection
1775 Duke Street
Alexandria, VA 22314

3. Air carriers Assistant General Counsel for Office of Aviation

Consumer Protection

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 Department of Transportation
1200 New Jersey Avenue SE
Washington, DC 20590

4. Creditors Subject to the Surface Office of Public Assistance, Governmental Affairs,

Transportation Board and Compliance Surface Transportation Board
395 E Street SW
Washington, DC 20423

5. Creditors Subject to the Packers and Nearest Packers and Stockyards Division
Stockyards Act, 1921 Regional Office

6. Small Business Investment Companies Associate Administrator, Office of Capital Access

United States Small Business Administration
409 Third Street SW, Suite 8200
Washington, DC 20416

7. Brokers and Dealers Securities and Exchange Commission

100 F Street NE
Washington, DC 20549

8. Institutions that are members of the Farm Farm Credit Administration

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

9. Retailers, Finance Companies, and All Other Federal Trade Commission

Creditors Not Listed Above Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580
(877) 382-4357

A Summary of Your Rights

Under New Jersey´s Fair Credit Reporting Act
Under 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 ─ 56:11-41, at the New Jersey State
Legislature´s web site ([Link] 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
Commission´s website ([Link]
• 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 the 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.

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• You have a right to know what is in your file. You may request and obtain all the information
about you in the file of a CRA 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. Additionally, you are entitled to one free consumer report every 12 months, upon request. You
may be charged a limited fee for a second or subsequent report requested by you during a 12 month
period.
• You have a right to dispute incomplete or inaccurate information. If you identify information in
your file that is incomplete or inaccurate, and you notify the consumer reporting agency directly of the
dispute, the CRA will reinvestigate without charge and record the current status of the disputed
information before the end of thirty business days, unless your dispute is frivolous or irrelevant. The CRA
must give you a written report of the investigation.
• Consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable
information. Upon completion of the reinvestigation, if the information you disputed is found to be
inaccurate or cannot be verified, the CRA will delete the information within 30 days after you dispute it
and notify you of the correction. If the reinvestigation does not resolve your dispute, you may file with the
CRA a brief statement setting forth the nature of your dispute. The statement will be placed in your
consumer file and in any subsequent report containing the information you disputed.
• Consumer reporting agencies may not report outdated negative information. In most cases, a
CRA may not report negative information that is more than seven years old, or bankruptcies that are
more than ten years old.
• You may place a security freeze on your credit report. A security freeze prevents your credit file
from being shared with potential creditors or insurance companies. You may request a security freeze by
contacting by calling the following toll-free telephone number(s): TransUnion: 888-909-8872, Experian:
888-397-3742, Equifax: 800-685-1111 (NY residents please call 1-800-349-9960). TransUnion, Experian and
Equifax can also be reached at the following addresses:
TransUnion LLC
P.O. Box 2000
Chester, PA 19016
[Link]
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
[Link]
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
[Link]
A fee may be charged for providing this service.
• You may seek damages from violators. If a CRA, or in some cases, a user of consumer reports or a
furnisher of information to a CRA violates the NJFCRA, you may be able to sue in state court.
COMPLAINTS
DIVISION OF CONSUMER AFFAIRS
Department of Law and Public Safety
124 Halsey Street
Newark, NJ 07102
Phone: 800-242-5846
973-504-6200
Texas Consumers Have the Right to Obtain a Security Freeze
Any written disclosure to a consumer by a consumer reporting agency under this chapter must include a
written statement that explains in clear and simple language the consumer's rights under this chapter,
such as the process for receiving a consumer report or consumer file, the process for requesting or
removing a security alert or freeze, the toll-free telephone number for requesting a security alert,
applicable fees, dispute procedures, the process for correcting a consumer file or report, and information
on a consumer's right to bring an action in court or arbitrate a dispute
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 Notification of Rights for Texas Consumers
The Texas Business and Commerce Code requires that consumer reporting agencies provide Texas
consumers notice of their rights with any written disclosure.
You have the right to obtain a copy of your background report from Sterling Infosystems, Inc.
("STERLING") by completing a form online at [Link]
faqs/ , by calling 800-899-2272, or by writing to us at 6150 Oak Tree Boulevard, Suite 490,
Independence, OH 44131. If you write to us, always include your full name including middle initial
(and generation such as JR, SR, II, Ill); full current mailing address; date of birth (month/date/year);
Social Security Number; and a phone number where you can be contacted. >Please include one
copy of a government issued identification card (driver's license, state ID card, military ID card, etc.)
and one copy of a recent utility bill, bank or insurance statement, etc. Ensure that each copy is
legible, displays your name and current mailing address, and the date of issue. Please send copies
of any documents you wish to provide to us and always retain your original documents. STERLING
may request additional documentation to verify your identity.

You have the right to dispute information in your background report that you do not recognize or
that you believe is inaccurate. You may request an investigation of the disputed item online at
[Link]@[Link], by calling 888-889-5248, or by writing to us at 6150 Oak
Tree Boulevard, Suite 490, Independence, OH [Link] specify what information you believe to
be inaccurate and the reason why you believe the information may be inaccurate. STERLING will
conduct a thorough investigation within 30 days and then notify the consumer of the results of the
investigation. If additional information is received from the consumer that is relevant to the
investigation during the 30 day timeframe, an additional 15 days may be taken. Only inaccurate
information may be removed from your file.

You have a right to place a fraud security alert statement on your credit report that alerts anyone
who reviews your credit information that your identity may have been used without your consent
and requests that the reviewer verify your identity before issuing credit.

You also have a right to place a "security freeze" on your credit report, which will prohibit a
consumer reporting agency from releasing any information in your credit report without your
express authorization, except to those with whom you have an existing account or a collection
agency acting on behalf of the existing account, for purposes of reviewing (account maintenance,
monitoring, credit line increases and account upgrades and enhancements) or collecting the
account. Your information may be used for the purposes of prescreening as provided for by the
federal Fair Credit Reporting Act, even if a security freeze is on the report. A security freeze is
designed to prevent credit, loans, and services from being approved in your name without your
consent; however, using a security freeze may delay, interfere with, or prohibit the timely approval
of any subsequent requests or applications regarding a new loan, credit, mortgage, insurance,
government services or payments, rental housing, employment, investment, license, cellular
phone, utilities, digital signature, Internet credit card transaction, or other services, including an
extension of credit at point of sale.

In order to request or remove a fraud security alert or freeze, you will need to contact one of the
three credit reporting agencies listed below:
Experian
P.O. Box 9554
Allen, TX 75013
(888) 397-3742
[Link]
Equifax
P.O. Box 105788
Atlanta, GA 30348

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 (800) 685-1111
[Link]
Trans Union
P.O. Box 6790
Fullerton, CA 92834
(877) 680-7289
[Link]
The credit reporting agencies establish the fees associated with initiating and removing security
freezes and alerts. If you have any questions about contacting any of these credit reporting
agencies, you can contact Sterling Infosystems at 800-899-2272 for assistance.

Texas consumers have a right to file action in court to enforce an obligation of a consumer
reporting agency. In the alternative, if agreed to by both parties, after the consumer has followed
the normal dispute procedures and received a notice of the results of the investigation, the matter
may be submitted to binding arbitration in the manner provided by the rules of the American
Arbitration Association.

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