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DISCLOSURE — NOTICE REGARDING BACKGROUND INVESTIGATION
<br />Applicant or Employee Copy
<br />Cabarrus County may obtain information about you from a consumer reporting agency for employment purposes. Thus, you may be the subject of
<br />a "consumer report" and/or an "investigative consumer report" which may include information about your character, general reputation, personal
<br />characteristics, and /or mode of living and which can involve personal Interviews with sources such as your neighbors, friends, or associates. These
<br />reports may be obtained at any time after receipt of your authorization and, if you are hired, throughout your employment. You have the right,
<br />upon written request made within a reasonable time after receipt of this notice, to request disclosure of the nature and scope of any investigative
<br />consumer report. Types of information that may be obtained include but are not limited to social security number verification, sex offender registry
<br />checks, criminal records checks, inmate records searches, motor vehicle records, education, employment history, professional licenses, credit
<br />checks and court records checks. The information contained In these consumer reports may be obtained by an outside organization from public
<br />record sources and will not be used to discriminate against you in violation of any law. The scope of this Disclosure and Authorization is all -
<br />encompassing, allowing Cabarrus County to obtain from any outside organization all manner of consumer reports and investigative consumer
<br />reports now and, If you are hired, throughout the course of your employment to the extent permitted by law.
<br />Cabarrus County Government
<br />Human Resources Department
<br />P.O. Box 707 Concord, NC 28026 -0707
<br />Phone: 704320.2200 • Fax. 704.920.2250 + www.cabarruscountv.us
<br />A SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT
<br />Apptirant or Employee Copy
<br />The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting
<br />agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell
<br />information about check writing histories, medical records, and rental history records). Here Is a summary of your major rights under the FCRA.
<br />For more information, including information about additional rights, go to www.ftc.gov /credit or write to- Consumer Response Center,
<br />Room 130 -A, Federal Trade Commission, 600 Pennsylvania Ave. N.W„ Washington, D.G 20580.
<br />• 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
<br />report to deny your application for credit, insurance, or employment — or to take another adverse action against you — must tell you, and
<br />must give you the name, address, and phone number of the agency that provided the information.
<br />• 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
<br />reporting agency (your "file disclosure "). You will be required to provide proper Identification, which may Include your Social Security
<br />number. In marry cases, the disclosure will be free. You are entitled to a free file disclosure if:
<br />• a person has taken adverse action against you because of information in your credit report;
<br />• you are the victim of identity theft and place a fraud alert in your fl le;
<br />• your file co ntains inaccurate information as a result of fraud;
<br />• you are on public assistance;
<br />• you are unemployed but expect to apply for employment within 60 days.
<br />In addition, by September 2005 all consumers will be entitled to one free dLulosure every 12 months upon request from each nationwide
<br />credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc,gov /credit for additional information.
<br />• You have the tight to ask for a credit scare. Credit scores are numerical summaries of your credit - worthiness based on information from
<br />credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in
<br />residential real property loans, but you will have to pay for it In some mortgage transactions, you will receive credit score information for
<br />free from the mortgage lender.
<br />You have the right to dispute incomplete or inaccurate information. if you identify information in your file that Is incomplete or
<br />Inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See
<br />www.ftc.gov /credit for an explanation of dispute procedures.
<br />Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. inaccurate, incomplete or
<br />unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to
<br />report information it has verified asaccurate.
<br />• Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report
<br />negative information that is more than seven years old, or bankruptcies that are more than 10years old.
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