WPS-165863800 Arclet
WPS-165863800 Arclet
WPS-165863800 Arclet
P. O. Box 50467
Indianapolis, IN 46209-1002
05/08/2020
ROBERT CLAYPOOLE
221 HIPPLE STREET
MADISONVILLE, KY 42431
Pursuant to your request, attached is a copy of your Consumer Report that was requested by:
LOWE'S
P O BOX 1000
MOORESVILLE,NC,28115
The results of this report are confidential and will not be distributed to any organization other than
the one that originally requested it.
If you have any questions or concerns regarding the Consumer Report or if you do not agree with
the accuracy or completeness of the information, you have the right to dispute such information
with First Advantage Background Services Corp by contacting:
Sincerely,
First Advantage
Enclosures: Copy of Consumer Report
Summary of Your Rights under the Fair Credit Reporting Act
Background Report
Confidential
LOWE'S
P O BOX 1000
MOORESVILLE, NC 28115
Caution to Customer: Under the terms of the service agreement, this report is delivered with the
understanding that the recipient client will hold the same in strict confidence and not disclose it to third
parties and furthermore is to be used only for the purpose indicated in the Client's agreement for service,
i.e. employment/volunteer/or resident/tenant screening purposes. This report and information provided
therein is strictly confidential as it contains personal and sensitive information of the
consumer/applicant/candidate/employee and must be utilized solely for the business purposes consistent
with the declared purpose in the service agreement and is not to be used by the client or third parties for
any other purposes. Client agrees to abide and comply with all applicable laws in connection with this report
including data privacy, data protection laws and other similar applicable regulations.
First Advantage is not the source of the data provided in this report in that the data is collected by First
Advantage from third party data sources such as public records held in governmental databases or
courthouses, schools, colleges, universities, company officials, or third party proprietary databases etc.
Accordingly First Advantage does not warrant the accuracy of the information provided by those third parties
and expressly disclaims any and all liability for any and all claimed losses, damages, expenses including
attorney fees and costs incurred as a result of reliance upon the content of this report.
For US-based Clients or Clients obtaining reports on US residents: Client certifies that it has complied with
the Fair Credit Reporting Act (FCRA) and that it has provided a clear disclosure in compliance with the FCRA
to the consumer/applicant/candidate/employee and obtained consent and authorization from the
consumer/applicant/candidate employee in order to receive this report. If the client intends to take adverse
action based in whole or in part on the contents of this report, the client must provide the consumer with a
copy of the report, a summary of consumers rights as prescribed by FCRA section 1681g(c)(3) and a copy of
any applicable state law rights before taking any action, wait a reasonable period of time for the consumer
to dispute any inaccurate information and then can take adverse action. First Advantage has provided your
company with copies of the CFPB Summary of Rights for this purpose.
For California based Clients or Clients obtaining reports on California residents: In California 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.
If you are a First Advantage Please contact the First Advantage Consumer Center at:
Consumer 1-800-845-6004 Toll Free (within the U.S.)
+1 971-280-8128 Toll Number (outside the U.S.)
Or visit http://fadv.com/our-company/contact-support.aspx for local contact details
First Advantage Customers Please contact the CHARLOTTE EMPLOYMENT SERVICE CENTER at:
(800)888-5773 (outside North America +1 971-280-8128)
Reporting
Label Value
Line of Business Store
District LWS_USA_Market - 083
Region LWS_USA_Lo
Division LWS_USA_No
Kenexa Req Id 1886448BR
Kenexa Candidate Ref Id 2155547
All timestamps represent US Eastern Time
First Advantage Background Report Summary
* Further review is required by the client to determine the consumer's eligibility based on background
check results. Please refer to the corresponding detailed component report section for additional
information.
** Further review is required by the client to determine the consumer's eligibility based on background
check results. Please refer to the corresponding detailed component report section for additional
information.
*** This product has been blocked from delivery due to compliance related restrictions.
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Status: Complete
First Advantage National Criminal File MADISONVILLE, HOPKINS, KY
Score: Eligible
Date Completed: 05/May/2020
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Status: Processing
Felony Including Misdemeanor MADISONVILLE, HOPKINS, KY
Score: Approved
ETA: Unknown
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Status: Complete
National Sex Offender Registry Search - Department Of Justice Web Site
Score: Eligible
Date Completed: 05/May/2020
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
www.consumerfinance.gov/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 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.
Seewww.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.
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 1-888-5-OPTOUT (1-888-567-8688).
The following FCRA right applies with respect to nationwide consumer reporting agencies:
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:
b. Such affiliates that are not banks, savings b. Federal Trade Commission: Consumer Response
associations, or credit unions also should list, in Center - FCRA
addition to the CFPB: Washington, DC 20580
(877) 382-4357
2. To the extent not included in item 1 above: a. Office of the Comptroller of the Currency
Customer Assistance Group
a. National banks, federal savings associations, 1301 McKinney Street, Suite 3450
and federal branches and federal agencies of Houston, TX 77010-9050
foreign banks
b. Federal Reserve Consumer Help Center
b. State member banks, branches and agencies of P.O. Box 1200
foreign banks (other than federal branches, federal Minneapolis, MN 55480
agencies, and insured state branches of foreign
banks), commercial lending companies owned or c. FDIC Consumer Response Center
controlled by foreign banks, and organizations 1100 Walnut Street, Box #11
operating under section 25 or 25A of the Federal Kansas City, MO 64106
Reserve Act
d. National Credit Union Administration
c. Nonmember Insured Banks, Insured State Office of Consumer Protection (OCP)
Branches of Foreign Banks, and insured state Division of Consumer Compliance and Outreach
savings associations (DCCO)
1775 Duke Street
d. Federal Credit Unions Alexandria, VA 22314