LIABILITY FOR VIOLATIONS OF THE FCRA Clause Samples

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619.

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇, has more information about the FCRA. Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y The undersigned, (“Agency”), acknowledges that it subscribes to receive various information services from TALX Corporation, provider of Equifax Verification Services (“Contractor”), in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”), and the federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. seq., as amended (the “FCRA”), and its other state law counterparts. In connection with Agency's continued use of Contractor services in relation to Vermont consumers, Agency hereby certifies as follows:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The Consumer Financial Protection Bureau website, ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇, has more information about the FCRA, including publications for businesses and the full text of the FCRA. Section 604 15 U.S.C. 1681b ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇ Section 605A 15 U.S.C. 1681c-1 Section 605B 15 U.S.C. 1681c-2 ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇ Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇ Section 627 15 U.S.C. 1681w ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇ Section 629 15 U.S.C. 1681y Appendix M to Part 1022 This appendix prescribes the content of the required notice. NOTICES TO FURNISHERS OF INFORMATION: OBLIGATIONS OF FURNISHERS UNDER THE FCRA

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619 5 of 5 Para informacion en espanol, visite ▇▇▇.▇▇▇.▇▇▇/▇▇▇▇▇▇ o escribe a la FTC Consumer Response Center, Room 130-A ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇. ▇.▇., ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇. 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 ▇▇▇.▇▇▇.▇▇▇/▇▇▇▇▇▇ or write to: Consumer Response Center, ▇▇▇▇ ▇▇▇-▇, Federal Trade Commission, ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇. ▇.▇., ▇▇▇▇▇▇▇▇▇▇, ▇.▇. ▇▇▇▇▇. • 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, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See ▇▇▇.▇▇▇.▇▇▇/▇▇▇▇▇▇ for additional information. • You have the right to ask for a credit score. Credit scores ...

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619 The prescribed form for this summary is as a separate document, on paper no smaller than 8x11 inches in size, with text no less than 12-point type (8-point for the chart of federal agencies), in bold or capital letters as indicated. The form in this appendix prescribes both the content and the sequence of items in the required summary. A summary may accurately reflect changes in numerical items that change over time (e.g., dollar mounts, or phone numbers and addresses of federal agencies), and remain in compliance. The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every "consumer reporting agency" (CRA). Most CRAs are credit bureaus that gather and sell information about you -- such as if you pay your bills on time or have filed bankruptcy -- to creditors, employers, landlords, and other businesses. You can find the complete text of the FCRA, 15 U.S.C. 1681-1681u, at the Federal Trade Commission's web site (▇▇▇▇://▇▇▇.▇▇▇.▇▇▇). The FCRA gives you specific rights, as outlined below. You may have additional rights under state law. You may contact a state or local consumer protection agency or a state attorney general to learn those rights.  You must be told if information in your file has been used against you. Anyone who uses information from a CRA to take action against you -- such as denying an application for credit, insurance, or employment -- must tell you, and give you the name, address, and phone number of the CRA that provided the consumer report.  You can find out what is in your file. At your request, a CRA must give you the information in your file, and a list of everyone who has requested it recently. There is no charge for the report if a person has taken action against you because of information supplied by the CRA, if you request the report within 60 days of receiving notice of the action. You also are entitled to one free report every twelve months upon request if you certify that (1) you are unemployed and plan to seek employment within 60 days, (2) you are on welfare, or (3) your report is inaccurate due to fraud. Otherwise, a CRA may charge you up to eight dollars.  You can dispute inaccurate informa...

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. The Consumer Financial Protection Bureau website, ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇, has more information about the FCRA. ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇-▇; Section 605B 15 U.S.C. 1681c-2; Section 606 15 U.S.C. 1681d; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇-▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇-▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇; ▇▇▇▇▇▇▇ ▇▇▇ ▇▇ ▇.▇.▇. ▇▇▇▇▇. Para informacion en espanol, visite ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇ o escribe a la Consumer Financial Protection Bureau, ▇▇▇▇ ▇ ▇▇▇▇▇▇ ▇.▇., ▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. 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 ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇ or write to: Consumer Financial Protection Bureau, ▇▇▇▇ ▇ ▇▇▇▇▇▇ ▇.▇., ▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. • 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 fil...

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619 ! " # $ ?@ABACADEFGEHDIDACHJKALMDJHNOPQJRGIKPSLDMTMJAUJ@AEQVDEQWXBEHDNAUXENC LDHYEQWMBHNBMDTEJHMNHNJ@ABHFAUMBQMNUVTADALMDJHNOEOANQHAUZ?@ADAEDATENWJWLAUMB QMNUVTADALMDJHNOEOANQHAUXHNQFVCHNOQDACHJ[VDAEVUENCULAQHEFJWEOANQHAURUVQ@EUEOANQHAU J@EJUAFHNBMDTEJHMNE[MVJQ@AQ\]DHJHNO@HUJMDHAUXTACHQEFDAQMDCUXENCDANJEF@HUJMDWDAQMDCUSZ ^ADAHUEUVTTEDWMBWMVDTE_MDHO@JUVNCADJ@AGIKPZ;.,*.,:28/.,*+52.8`28>a)9283 28/.,*+52.8+b.)5+9252.8+a,23456`3.5.cccd>.86)*:,/28+8>:d3.efa:+,8*.,:.,c,25: 5.g<.86)*:,;28+8>2+ah,.5:>52.8i),:+)`jklm(5,:5ndod`o+642835.8`p<q lrd stuwxyzx{|x}~~t x ~ z u }| x~ | 1&` :d1:ed(5+5d& 8djl`(:>j j:5 6: d 0.)*)65b:5.a92/28/.,*+52.828-.),/2a:4+6b:8)6:9+3+2865-.)dPNWMNA]@M VUAUEQDACHJDALMDJMDENMJ@ADJWLAMBQMNUVTADALMDJMCANWWMVDELFHQEJHMNBMDQDACHJX HNUVDENQAXMDATLFMWTANJ MDJMJE\AENMJ@ADECYADUAEQJHMNEOEHNUJWMV TVUJAFWMVX ENCTVUJOHYAWMVJ@ANETAXECDAUXENCL@MNANVT[ADMBJ@AEOANQWJ@EJLDMYHCACJ@A HNBMDTEJHMNZ 0.)4+e:54:,234 5. 8.cc4+52628-.),/2a:d MVTEWDA VAUJENCM[JEHNEFJ@A HNBMDTEJHMNE WMVD MQHEF AQVDHJWNVT[ADZ NTENWQEUAUXJ@ACHUQFMUVDA]HF[ABDAZ MVEDAANJHJFAC JMEBDABHFACHUQFMUVDAHB ELADUMN@EUJE\ANECYADUAEQJHMNEOEHNUJWMV[AQEVUAMBHNBMDTEJHMNHNWMVDQDACHJ DALMDJ WMVEDAJ@AYHQJHTMBHCANJHBWJ@ABJENCLFEQAEBDEVCEFADJHNWMVDBHFA WMVDBHFAQMNJEHNUHNEQVDEJAHNBMDTEJHMNEUEDAUVFJMBDEVC WMVEDAMNLV[FHQEUHUJENQA WMVEDAVNATLFMWAC[VJA LAQJMELFWBMDATLFMWTANJ]HJ@HN CEWUZ NECHJHMNXEFQMNUVTADUEDAANJHJFACJMMNABDACHUQFMUVDAAYADW TMNJ@UVLMN DA VAUJBDMTAEQ@NEJHMN]HCAQDACHJ[VDAEVENCBDMTNEJHMN]HCAULAQHEFJWQMNUVTAD DALMDJHNOEOANQHAUZ A]]]ZQMNUVTADBHNENQAZOMY FAEDNTMDABMDECHJHMNEF HNBMDTEJHMNZ 0.)4+e:54:,234 5.+6 /.,+>,:9256>.,:dIDACHJUQMDAUEDANVTADHQEFUVTTEDHAUMB WMVDQDACHJ ]MDJ@HNAU[EUACMNHNBMDTEJHMNBDMTQDACHJ[VDAEVUZ MVTEWDA VAUJE QDACHJUQMDABDMTQMNUVTADALMDJHNOEOANQHAUJ@EJQDAEJAUQMDAUMDCHUJDH[VJAUQMDAUVUAC HNDAUHCANJHEFDAEFLDMLADJWFMENUX[VJWMV]HF@EYAJMLEWBMDHJZ NUMTATMDJOEOA JDENUEQJHMNUXWMV]HFDAQAHYAQDACHJUQMDAHNBMDTEJHMNBMDBDABDMTJ@ATMDJOEOAFANCADZ 0.)4+e:54:,234 5.926=)5:28>.*=a:5:.,28+>),+5:28/.,*+52.8d BWMVHCANJHBW HNBMDTEJHMNHNWMVDBHFAJ@EJHUHNQMTLFAJAMDHNEQVDEJAXENCDALMDJHJMJ@AQMNUVTAD !"##"% #&' ()(" *'" ! &* #"*& #+","&"' )* #)&"-' * !%,"&"- # ."#'/')0,"' / #!)&' 12 3 3 45 6 !"##"% #&' ()(" *'" !)7 &#"% #& &+)&"+ ...

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. Credit Bureau, Inc. ♦ 226-▇ ▇▇▇▇▇▇▇ Sq. Broadway ♦ P.O. Box 5226 Oak Ridge, TN. 37830 Phone (▇▇▇) ▇▇▇-▇▇▇▇ ♦ Fax (▇▇▇) ▇▇▇-▇▇▇▇ VERMONT FAIR CREDIT REPORTING CONTRACT CERTIFICATION‌ The undersigned, (“Customer”), acknowledges that it subscribes to receive various information services from Credit Bureau, Inc. a system affiliate of Equifax Credit Information Services, Inc. (“Equifax”) in accordance with the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480e (1999), as amended (the “VFCRA”) and the Federal Fair Credit Reporting Act, 15, U.S.C. 1681 et. Seq., as amended (the “FCRA”) and its other state law counterparts. In connection with Customer's continued use of Equifax information services in relation to Vermont consumers, Customer hereby certifies as follows: Signed By: Printed Name and Title: Account Number: Date: Compliance Officer or Person Responsible for Credit Reporting Compliance Name: Title: Mailing Address: E-Mail Address: Phone: Fax:

LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619. The CFPB’ s website, ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇, has more information about the FCRA, including publications for businesses and the full text of the FCRA. We have packages that offer our most popular services, or browse our services and customize your own package. All prices are per person or per married couple. Roommates are considered separate applications and will be billed separately. Please note that the packages that include criminals include only one criminal report. Please select one primary service and return with your membership application..