COMPLETE REPORT - CONSIDER

OrderID - 1824310786

LOPEZ, KEMERLY O
1236 HOOVER ST
ESCONDIDO, CA 92027
ROVER PHONE: 888.889.5248
720 OLIVE WAY 646.829.3382
SEATTLE, WA 98101 [Link]@[Link]

*** CONFIDENTIAL BACKGROUND SCREENING REPORT ***

(INFORMATION CONTAINED IN THIS REPORT IS PUBLISHED IN ACCORDANCE WITH FEDERAL AND CA STATE LAWS)

REPORT SUMMARY
COMPONENT IDENTIFIERS STATUS RESULT
SSN Trace XXX-XX-7962 Complete Complete
County Court Search (Validator) Lopez, Kemerly O, CA-RIVERSIDE Complete Consider
Federal Court Search Lopez, Kemerly O, CA-SOUTHERN DISTRICT Complete Clear
Federal Court Search Lopez, Kemerly O, NC-EASTERN DISTRICT Complete Clear
Federal Court Search Lopez, Kemerly O, SC-DISTRICT Complete Clear
Federal Court Search Lopez, Kemerly O, CA-CENTRAL DISTRICT Complete Clear
Federal Court Search Lopez, Kemerly O, VA-EASTERN DISTRICT Complete Clear
DOJ Sex Offender Search Lopez, Kemerly O Complete Clear
Extended Global Sanctions Lopez, Kemerly O Complete Clear
Managed State Compliance Lopez, Kemerly O, 1236 Hoover st pending (eta:9/2/2022)
Enhanced Nationwide Criminal Search Lopez, Kemerly O Complete Complete

California Applicants/Employees Only: The report does not guarantee the accuracy or
truthfulness of the information as to the subject of the investigation, but only that it is
accurately copied from public records, and information generated as a result of identity
theft, including evidence of criminal activity, may be inaccurately associated with the
consumer who is the subject of the report. An investigative consumer reporting agency shall
provide a consumer seeking to obtain a copy of a report or making a request to review a file,
a written notice in simple, plain English and Spanish setting forth the terms and conditions
of his or her right to receive all disclosures, as provided in Section 1786.26.

Sólo para los Solicitantes/Empleados de California: En el informe no se garantiza la

exactitud o veracidad de la información en cuanto al tema de la investigación, sino sólo que
se ha copiado exactamente de los registros públicos, y la información generada como
resultado del robo de identidad, incluyendo las pruebas de una actividad delictiva, podría
estar incorrectamente asociada con el consumidor que sea el sujeto del informe. Una
agencia investigadora de informes de crédito deberá suministrarle a un consumidor que
trate de obtener una copia de un informe o solicite revisar un archivo una notificación por
escrito en inglés y español lisos y llanos, en la que se establezcan los términos y las
condiciones de su derecho a recibir toda la información, como se dispone en la Sección
1786.26.
Pursuant to Minn. Stat. Ann. 332.70(4): The report may include information that has been
expunged, sealed, or has otherwise become inaccessible to the public since the date it was
collected.

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.

SSN Trace
Complete

Data as Provided

SSN XXX-XX-7962
Last Name Lopez
First Name Kemerly
Middle Name O

The provided social security number has returned potential matching information related to the subject of this report.
This information is an investigative tool only and should not be used as the basis of any employment decision.
Reported Data
Report requested on: 8/30/2022 Report completed on: 8/30/2022
Name: Lopez, Kemerly O SSN: XXX-XX-7962

County Court Search (Validator)

Consider
 Data as Provided

Last Name Lopez

First Name Kemerly
Middle Name O
SSN XXX-XX-7962
DOB 9/2/XX
Race Unknown
Gender Unknown
Jurisdiction CA-RIVERSIDE (221)

Verified Data
Report requested on: 8/30/2022 Report completed on: 8/30/2022
Case Number: SWM2103294
Verified By: Last Name,First Name,DOB
Last Name: LOPEZ
First Name: KEMERLY
Middle Name: OLGA
DOB: 9/2/1993
Case Type: Not Disposed
Case Level: Misdemeanor
Filed Date: 5/16/2021
Additional Info: NEXT COURT DATE = 09/08/2022, Next Court Date : 09/08/2022
Charges

Violation Date: 5/16/2021

Type: Misdemeanor
Original Charge: Driving Under The Influence
Disposition: Active
Comments: Charge Statute: VC M23152(A)
Violation Date: 5/16/2021
Type: Misdemeanor
Original Charge: Driving Under The Influence - Blood Alcohol Concentration Of 0.08% Or More
Disposition: Active
Comments: Charge Statute: VC M23152(B)

Federal Court Search

Clear

Data as Provided

Last Name Lopez

First Name Kemerly
Middle Name O
SSN XXX-XX-7962
DOB 9/2/XX
Race Unknown
Gender Unknown
Jurisdiction CA-SOUTHERN DISTRICT (3292)

Verified Data
Report requested on: 8/30/2022 Report completed on: 8/30/2022
 Federal Court Search
Clear

Data as Provided

Last Name Lopez

First Name Kemerly
Middle Name O
SSN XXX-XX-7962
DOB 9/2/XX
Race Unknown
Gender Unknown
Jurisdiction NC-EASTERN DISTRICT (3341)

Verified Data
Report requested on: 8/30/2022 Report completed on: 8/30/2022

Federal Court Search

Clear

Data as Provided

Last Name Lopez

First Name Kemerly
Middle Name O
SSN XXX-XX-7962
DOB 9/2/XX
Race Unknown
Gender Unknown
Jurisdiction SC-DISTRICT (3356)

Verified Data
Report requested on: 8/30/2022 Report completed on: 8/30/2022

Federal Court Search

Clear

Data as Provided

Last Name Lopez

First Name Kemerly
Middle Name O
SSN XXX-XX-7962
DOB 9/2/XX
Race Unknown
Gender Unknown
Jurisdiction CA-CENTRAL DISTRICT (3293)

Verified Data
Report requested on: 8/30/2022 Report completed on: 8/30/2022

Federal Court Search

Clear

Data as Provided
 Last Name Lopez
First Name Kemerly
Middle Name O
SSN XXX-XX-7962
DOB 9/2/XX
Race Unknown
Gender Unknown
Jurisdiction VA-EASTERN DISTRICT (3367)

Verified Data
Report requested on: 8/30/2022 Report completed on: 8/30/2022

DOJ Sex Offender Search

Clear

Data as Provided

Last Name Lopez

First Name Kemerly
Middle Name O
SSN XXX-XX-7962
DOB 9/2/XX
Race Unknown
Gender Unknown

Verified Data
Report requested on: 8/30/2022 Report completed on: 8/30/2022
Case Limitations on the DOJ Sex Offender Search.
Comments: 1. NEVADA: This search does not provide results from the State of Nevada, as by both statute and regulation, information
from the Nevada Sex Offender Registry web site cannot be used for employment purposes and cannot be distributed
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.

Extended Global Sanctions

Clear

Data as Provided

Last Name Lopez

First Name Kemerly
Middle Name O
DOB 9/2/XX

Verified Data
Report requested on: 8/30/2022 Report completed on: 8/30/2022

Managed State Compliance

Pending

Data as Provided

Last Name Lopez

First Name Kemerly
Middle Name O
 Street Address 1236 Hoover st
City Escondido
State CA
Country USA
Zip Code 92027
Managed Compliance Type Electronic

Verified Data
The results of this request are still pending completion. Expected completion date: 9/2/2022
Date:8/30/2022
Action:Report Emailed at (kemerly0531@[Link])

Enhanced Nationwide Criminal Search

Complete

Data as Provided

Last Name Lopez

First Name Kemerly
Middle Name O
SSN XXX-XX-7962
DOB 9/2/XX
Race Unknown
Gender Unknown

Verified Data
Report requested on: 8/30/2022 Report completed on: 8/30/2022
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.

Para informaci??n en espa??ol, visite [Link]/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 the FCRA.
For more information, including information about additional rights, go to [Link]/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:
• a person has taken adverse action against you because of information in your credit report;
• you are the victim of identify 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.
• 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
[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 1-888-5-OPTOUT (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
[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 unions with total assets of a. Consumer Financial Protection Bureau
over $10 billion and their affiliates 1700 G Street, N.W.
Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit
unions also should list, in addition to the CFPB: b. Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, N.W.
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, and federal branches Customer Assistance Group
and federal agencies of foreign banks 1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
b. State member banks, branches and agencies of foreign banks (other
than federal branches, federal agencies, and Insured State Branches of b. Federal Reserve Consumer Help Center
Foreign Banks), commercial lending companies owned or controlled by P.O. Box 1200
foreign banks, and organizations operating under section 25 or 25A of Minneapolis, MN 55480
the Federal Reserve Act.
c. FDIC Consumer Response Center
c. Nonmember Insured Banks, Insured State Branches of Foreign 1100 Walnut Street, Box #11
Banks, and insured state savings associations Kansas City, MO 64106

d. Federal Credit Unions d. National Credit Union Administration

Office of Consumer Financial Protection (OCFP)
Division of Consumer Compliance Policy and Outreach
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings
Aviation Consumer Protection Division
Department of Transportation
1200 New Jersey Avenue, S.E.
Washington, DC 20590
4. Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
Washington, DC 20423
5. 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 Administration
409 Third Street, S.W., Suite 8200
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission
100 F Street, N.E.
Washington, DC 20549
8. Federal Land Banks, Federal Land Bank Associations, Federal Farm Credit Administration
Intermediate Credit Banks, and Production Credit Associations 1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Federal Trade Commission
Above Consumer Response Center
600 Pennsylvania Avenue, N.W.
Washington, DC 20580
(877) 382-4357
Summary of Your Rights under California Civil Code 1786.22

An investigative consumer reporting agency ("Agency") will supply files and information that you have a right to inspect during normal business
hours and on reasonable notice. All files that Sterling maintains on you will be made available for your visible inspection, as follows:

• In person, if you appear in person and furnish proper identification. A copy of the file will also be available to you for a fee not to exceed the
actual costs of copying.

• By certified mail, if you make a written request to, with proper identification, for copies to be sent to a specified address. However, agencies
complying with a request for such a mailing will not be liable for disclosures to third parties caused by mishandling of mail after it leaves the
Agency.

• A summary of all information contained in your file and required to be provided to you under the California Civil code will be provided by
telephone, if you have made a written request, with proper identification.

• "Proper identification" includes documents such as a valid driver's license, social security account number, military identification card, and
credit cards. Only if you cannot identify yourself with such information may the Agency require additional information concerning your
employment and personal or family history in order to verify his identity.

• The Agency will provide trained personnel to explain any information furnished to you pursuant to Civil Code 1786.10. The Agency will
provide a written explanation of any coded information contained in your file. This written explanation shall be distributed whenever a file is
provided to you for visual inspection.
 • You may be accompanied by one other person of your choice when you come to inspect your file. This person must furnish reasonable
identification. The Agency may require you to furnish a written statement granting permission to the Agency to discuss your file in your
companion's presence.

Resumen de sus derechos bajo el Código Civil de California 1786.22

Una agencia de informes de investigación de consumidores ("Agencia") proporcionará archivos e información que usted tiene derecho a
inspeccionar durante el horario comercial normal y con un aviso razonable. Todos los archivos que Sterling mantenga acerca de usted serán
puestos a su disposición para inspección visual, como sigue:

• En persona, si usted comparece en persona y proporciona la identificación apropiada. Se pondrá asimismo a disposición suya una copia
del informe por un costo no superior al costo efectivo de hacer las copias.

• Por correo certificado, si usted efectúa una solicitud escrita, con identificación apropiada, para que se envíen copias a una dirección
especificada. No obstante, las agencias que cumplan con una solicitud de tal tipo de envío por correo no serán responsables de las
divulgaciones a terceros causadas por un manejo inapropiado del correo una vez que salga de la Agencia.

• Se proporcionará por teléfono un resumen de toda la información contenida en su archivo y que se requiera que sea proporcionada en
virtud del Código Civil de California, si usted efectúa una solicitud escrita, con identificación apropiada.

• El término "Identificación apropiada" incluye documentos tales como una licencia válida para número de cuenta del Seguro Social, tarjeta
de identificación militar, y tarjetas de crédito. Únicamente si usted no puede identificarse con tal información la Agencia podrá requerir
informacián adicional en relacián con su empleo e historial personal o familiar para verificar su identidad.

• La Agencia proporcionará personal capacitado para explicar cualquier información proporcionada a usted de conformidad con el Código
Civil 1786.10. La Agencia proporcionará una explicación escrita de cualquier información codificada contenida en su archivo. Esta
explicación escrita será distribuida siempre que un archivo le sea proporcionado a usted para inspección visual.

• Usted puede estar acompañado por otra persona de su elección cuando venga a inspeccionar su archivo. Esta persona debe proporcionar
una identificación razonable. La Agencia puede requerir que usted proporcione una declaración escrita concediendo permiso a la Agencia
para hablar de su archivo en presencia de la persona que le acompañe.

STATE OF WASHINGTON
CONSUMER CREDIT REPORTING ACT
SUMMARY OF CONSUMER RIGHTS

The State of Washington Fair Credit Reporting Act (WFCRA) 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 the WFCRA. The WFCRA is modeled after the Federal Fair Credit Reporting Act. The same rights are
provided under the Federal Fair Credit Reporting Act and you have received A Summary of Your Rights Under the Federal Fair Credit Reporting Act.
You can get the complete text of WFCRA RCW 19.182, from the Washington Code Revisers Office, P.O. Box 40551, Olympia, WA, 98504, or online
at [Link]

• You must be told if information in your file has been used against you. If a person takes an adverse action against you that is based, in
whole or in part, on information contained in a consumer report, that person must tell you, and must give you the name, address, and telephone
number of the consumer reporting agency that provided the information.

• You have a 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, although medical information may be withheld and given directly to your medical provider. You will be required to provide proper
identification, which may include your Social Security number. In many cases, the disclosure will be free. You will not be charged for:
○ a consumer report if a person has taken adverse action against you because of information in your credit report;
○ the reinvestigation of information you dispute; or
○ corrected reports resulting from the deletion of inaccurate or unverifiable information.
In addition, 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 consumer reporting agency 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.

• 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 consumer reporting agency will delete the
information and notify you of the correction. If the reinvestigation does not resolve your dispute, you may file with the consumer reporting agency 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 consumer reporting agency may not
report negative information that is more than seven years old, or bankruptcies that are more than ten 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 WFCRA specifies those with a valid need for access.

• You must be notified if reports are provided to employers. A consumer reporting agency may not give out information about you to
employers without your knowledge. A potential employer must make a clear and conspicuous disclosure in writing to you or obtain your consent
before obtaining a report. A current employer may not receive a report unless it has given you written notice that consumer reports may be used for
employment purposes.

• You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. You may elect not to
receive unsolicited "prescreened" offers for credit and insurance by using the consumer reporting agency's notification system to remove your name
and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).

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 us at A security freeze can be requested in writing by first-class mail, by
telephone, or electronically. You also may request a freeze 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]/freeze

Equifax Security Freeze

P.O. Box 105788
Atlanta, GA 30348
[Link]

• You may be able to block information resulting from identity theft from appearing on your credit report. If you are a victim of identity
theft, a consumer reporting agency must permanently block misinformation resulting from that theft from appearing on your credit report. You must
provide the consumer reporting agency with a copy of a police report as evidence of your claim before it can place the block on your report.

• 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 WFCRA, you may be able to sue in state or federal court.

COMPLAINTS

Any complaints by consumers under state law may be directed to:

Office of the Attorney General
Consumer Protection Division
800 5th Avenue, Suite 2000
Seattle, Washington 98104-3188
Phone 1-800-551-4636 or (206) 464-6684
Fax (206) 389-2801

Statewide Toll-Free TDD: 800 276-9883

Complaints May Be Made Via U.S. Mail or E-Mail
Complaints: [Link]
(Include your U.S. Mail address with any complaint.)
Website & Forms: [Link]
 California Consumers Have the Right to Obtain a Security Freeze

You have a right to obtain a copy of your credit file from a consumer credit reporting agency. You may be charged a reasonable fee not exceeding
eight dollars ($8). There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of
information in your credit report within the preceding 60 days. The consumer credit reporting agency must provide someone to help you interpret the
information in your credit file.

You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any credit
repair company or credit service organization has the right to have accurate, current, and verifiable information removed from your credit report.
Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative information from your report
only if it is over seven years old. Bankruptcy information can be reported for 10 years.

If you have notified a consumer credit reporting agency in writing that you dispute the accuracy of information in your file, the consumer credit
reporting agency must then, within 30 business days, reinvestigate and modify or remove inaccurate information. The consumer credit reporting
agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given
to the consumer credit reporting agency.

If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency to keep
in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about disputed
information in a report it issues about you.

You have a right to receive a record of all inquiries relating to a credit transaction initiated in 12 months preceding your request. This record shall
include the recipients of any consumer credit report.

You may request in writing that the information contained in your file not be provided to a third party for marketing purposes.

You have a right to place a "security alert" in your credit report, which will warn anyone who receives information in your credit report that your
identity may have been used without your consent. Recipients of your credit report are required to take reasonable steps, including contacting you at
the telephone number you may provide with your security alert, to verify your identity prior to lending money, extending credit, or completing the
purchase, lease, or rental of goods or services. The security alert may prevent credit, loans, and services from being approved in your name without
your consent. However, you should be aware that taking advantage of this right may delay or interfere with the timely approval of any subsequent
request or application you make regarding a new loan, credit, mortgage, or cellular phone or other new account, including an extension of credit at
point of sale. If you place a security alert on your credit report, you have a right to obtain a free copy of your credit report at the time the 90-day
security alert period expires. A security alert may be requested 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]/freeze

Equifax Security Freeze

P.O. Box 105788
Atlanta, GA 30348
[Link]

California consumers also 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 credit reporting agency from releasing any
information in your credit report without your express authorization. A security freeze must be requested in writing by mail. 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 cellular phone or other
new account, including an extension of credit at point of sale. When you place a security freeze on your credit report, you will be provided a personal
identification number or password to use if you choose to remove the freeze on your credit report or authorize the release of your credit report for a
specific party or period of time after the freeze is in place. To provide that authorization you must contact the consumer credit reporting agency and
provide all of the following:
(1) The personal identification number or password.
(2) Proper identification to verify your identity.
(3) The proper information regarding the third party who is to receive the credit report or the period of time for which the report shall be available to
users of the credit report.

A consumer credit reporting agency must authorize the release of your credit report no later than three business days after receiving the above
information.

A security freeze does not apply when you have an existing account and a copy of your report is requested by your existing creditor or its agents or
affiliates for certain types of account review, collection, fraud control, or similar activities.

If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze may slow your application for credit.
You should plan ahead and lift a freeze, either completely if you are shopping around, or specifically for a certain creditor, before applying for new
credit.

A consumer credit reporting agency may not charge a fee to a consumer for placing or removing a security freeze if the consumer is a victim of
identity theft and submits a copy of a valid police report or valid Department of Motor Vehicles investigative report. A person 65 years of age or older
with proper identification shall not be charged a fee for placing an initial security freeze, but may be charged a fee of no more than five dollars ($5)
for lifting, removing or replacing a security freeze. All other consumers may be charged a fee of no more than ten dollars ($10) for each of these
steps.

You have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file,
knowingly or willfully misuses file data, or fails to correct inaccurate file data.

If you are a victim of identity theft and provide to a consumer credit reporting agency a copy of a valid police report or a valid investigative report
made by a Department of Motor Vehicles investigator with peace officer status describing your circumstances, the following shall apply:

(1) You have a right to have any information you list on the report as allegedly fraudulent promptly blocked so that the information cannot be
reported. The information will be unblocked only if (A) the information you provide is a material misrepresentation of the facts, (B) you agree that the
information is blocked in error, or (C) you knowingly obtained possession of goods, services, or moneys as result of the blocked transactions. If
blocked information is unblocked, you will be promptly notified.
(2) You have a right to receive, free of charge and upon request, one copy of your credit report each month for up to 12 consecutive months.