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Fill Out a Valid Employment Application Pdf Template

The Employment Application PDF form is a standardized document used by employers to gather essential information from job applicants. This form typically includes sections for personal details, work history, education, and references. Completing this form accurately is crucial for candidates seeking employment opportunities, so be sure to fill it out by clicking the button below.

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Fill Out a Valid Employment Application Pdf Template

Contents

Form Specs

Fact Name	Description
Purpose	The Employment Application PDF form is used by employers to collect information from job applicants.
Information Required	Typically includes personal details, work history, education, and references.
Format	The form is available in PDF format, ensuring it can be easily printed and filled out.
Submission Method	Applicants may submit the completed form in person, via email, or through an online portal, depending on the employer's preferences.
State-Specific Variations	Some states may have specific requirements or additional forms, governed by local employment laws.
Confidentiality	Employers must handle the information provided in the application with confidentiality and comply with privacy laws.
Equal Opportunity	The form should include a statement affirming the employer's commitment to equal opportunity employment.

Dos and Don'ts

When filling out an Employment Application PDF form, there are important practices to follow. Here’s a list of things you should and shouldn't do.

Do: Read the entire application before starting.
Do: Provide accurate and truthful information.
Do: Use clear and legible handwriting or type your responses.
Do: Double-check for spelling and grammatical errors.
Don't: Leave any sections blank unless instructed.
Don't: Use abbreviations or slang.
Don't: Submit the application without reviewing it first.
Don't: Forget to sign and date the application.

Following these guidelines can enhance your chances of making a positive impression on potential employers.

Common mistakes

Incomplete Information: Failing to fill out all required fields can lead to delays or disqualification. Always double-check that every section is complete.
Incorrect Contact Details: Providing the wrong phone number or email address can prevent employers from reaching you. Verify your contact information before submitting.
Unclear Job History: Not clearly stating previous job titles, dates of employment, or responsibilities can confuse hiring managers. Be specific and concise.
Typos and Grammatical Errors: Mistakes in spelling or grammar can create a negative impression. Proofread your application carefully.
Using Unprofessional Email Addresses: An email like "partyanimal123@example.com" may not convey professionalism. Use a simple, appropriate email address.
Neglecting to Tailor the Application: Sending the same application for different jobs can be a mistake. Customize your application to fit the specific role.
Not Following Instructions: Some applications have specific guidelines. Ignoring these can lead to immediate rejection. Read all instructions carefully.
Omitting References: Failing to include references or not asking for permission first can be a setback. Always have a list of references ready.
Submitting Without a Review: Sending in your application without a final check can lead to missed errors. Take a moment to review everything before hitting send.

Documents used along the form

When applying for a job, several forms and documents may accompany the Employment Application PDF form. Each of these documents serves a specific purpose and helps employers assess candidates more effectively. Below is a list of common forms that are often used in conjunction with the employment application.

Resume: A resume provides a summary of a candidate's work experience, education, and skills. It highlights qualifications and is usually tailored to the job being applied for.
Cover Letter: This document accompanies the resume and introduces the applicant. It explains why the candidate is interested in the position and how their skills align with the company's needs.
References List: A list of professional contacts who can vouch for the applicant's work ethic and skills. Typically, this includes former employers or colleagues who can provide insights into the candidate's abilities.
Background Check Authorization: This form allows the employer to conduct a background check on the applicant. It may include checks on criminal history, credit history, and employment verification.
Employee Handbook Acknowledgment Form: A form that confirms the employee has received, read, and understood the Top Document Templates Employee Handbook, ensuring clarity on company policies and expectations.
Employment Verification Form: This document is used to confirm the employment history of the candidate. It may be sent to previous employers to verify job titles, dates of employment, and reasons for leaving.
Tax Forms (W-4): These forms are necessary for tax withholding purposes once a candidate is offered a job. The W-4 form helps employers determine the amount of federal income tax to withhold from an employee's paycheck.
Non-Disclosure Agreement (NDA): If the position involves handling sensitive information, an NDA may be required. This agreement ensures that the employee will not disclose confidential company information.

Each of these documents plays a vital role in the hiring process. Together, they provide a comprehensive view of the candidate, helping employers make informed decisions. Being prepared with these forms can streamline the application process and improve the chances of securing a job.

Misconceptions

Many people have misunderstandings about the Employment Application PDF form. These misconceptions can lead to confusion during the job application process. Here are seven common misconceptions:

All employers require the same information on the application.
This is not true. Different employers may ask for different details based on their specific needs and the position being applied for.
Submitting a PDF application is always the best option.
While PDFs are often preferred for their formatting, some employers may request applications in other formats, such as Word documents or online forms.
Once submitted, the application cannot be changed.
Many employers allow candidates to update or correct their applications even after submission, especially if they notice an error shortly after sending it.
Only the most qualified applicants get called for interviews.
While qualifications matter, many factors influence interview invitations, including networking, timing, and the specific needs of the employer.
All information provided is kept confidential.
While employers strive to protect applicant information, there are instances where data may be shared, especially if required by law or company policy.
A poorly formatted application will automatically disqualify a candidate.
While presentation matters, employers often focus more on the content and qualifications than on formatting alone.
Employment applications are the only way to apply for a job.
In today's job market, many opportunities arise through networking, referrals, and online platforms, making applications just one of many ways to seek employment.

Understanding these misconceptions can help applicants navigate the job application process more effectively.

Preview - Employment Application Pdf Form

APPLICATION FOR EMPLOYMENT

(Pre-Employment Questionnaire) (An Equal Opportunity Employer)

PERSONAL INFORMATION

DATE

LAST

SOCIAL SECURITY

NAME

NUMBER

LAST

FIRST

MIDDLE

PRESENT ADDRESS

STREET

CITY

STATE

ZIP

PERMANENT ADDRESS

STREET

CITY

STATE

ZIP

PHONE NO.

ARE YOU 18 YEARS OR OLDER?

Yes q

No q

ARE YOU PREVENTED FROM LAWFULLY BECOMING EMPLOYED

IN THIS COUNTRY BECAUSE OF VISA OR IMMIGRATION STATUS?

Yes q

No q

EMPLOYMENT DESIRED

DATE YOU

SALARY

POSITION

CAN START

DESIRED

FIRST

IF SO MAY WE INQUIRE

ARE YOU EMPLOYED NOW?

OF YOUR PRESENT EMPLOYER?

EVER APPLIED TO THIS COMPANY BEFORE?

WHERE?

WHEN?

REFERRED BY

EDUCATION

*NO OF

*DID YOU

NAME AND LOCATION OF SCHOOL

YEARS

SUBJECTS STUDIED

ATTENDED

GRADUATE?

GRAMMAR SCHOOL

MIDDLE

HIGH SCHOOL

COLLEGE

TRADE, BUSINESS OR

CORRESPONDENCE

SCHOOL

GENERAL

SUBJECTS OF SPECIAL STUDY OR RESEARCH WORK

SPECIAL SKILLS

ACTlVITIES: (CIVIC ATHLETIC ETC.)

EXCLUDE ORGANIZATIONS, THE NAME OF WHICH INDICATES THE RACE, CREED. SEX. AGE, MARITAL STATUS, COLOR OR NATION OF ORIGIN OF ITS MEMBERS.

U. S MILITARY OR		PRESENT MEMBERSHIP IN
NAVAL SERVICE	RANK	NATIONAL GUARD OR RESERVES

*This form has been revised to comply with the provisions of the Americans with Disabilities Act and the fnal regulations and interpretive guidance promulgated by the EEOC on July 26. 1991.

TOPS FORM 3285 (92-8)

(CONTINUED ON OTHER SIDE)

LITHO IN U.S.A.

FORMER EMPLOYERS (LIST BELOW LAST THREE EMPLOYERS, STARTING WITH LAST ONE FIRST).

DATE	NAME AND ADDRESS OF EMPLOYER	SALARY POSITION REASON FOR LEAVING
MONTH AND YEAR

FROM

WHICH OF THESE JOBS DlD YOU LIKE BEST?

WHAT DlD YOU LIKE MOST ABOUT THIS JOB?

REFERENCES: GIVE THE NAMES OF THREE PERSONS NOT RELATED TO YOU, WHOM YOU HAVE KNOWN AT LEAST ONE YEAR.

NAME	ADDRESS	BUSINESS	YEARS
			ACQUAINTED

THE FOLLOWING STATEMENT APPLIES IN: MARYLAND & MASSACHUSETTS. [Fill in name of state.)

IT IS UNLAWFUL IN THE STATE OF ________________________ TO REQUIRE OR ADMINISTER A LIE DETECTOR TEST

AS A CONDITION OF EMPLOYMENT OR CONTINUED EMPLOYMENT. AN EMPLOYER WHO VIOLATES THIS LAW SHALL BE SUBJECT TO CRIMINAL PENALTIES AND CIVIL LIABILITY.

Signature of Applicant

IN CASE OF

EMERGENCY NOTIFY

NAME

ADDRESS

PHONE NO.

"I CERTIFY THAT ALL THE INFORMATION SUBMITTED BY ME ON THIS APPLICATION IS TRUE AND COMPLETE, AND I UNDERSTAND THAT IF ANY FALSE INFORMATION, OMISSIONS, OR MISREPRESENTATIONS ARE DISCOVERED, MY APPLICATION MAY BE REJECTED AND, IF I AM EMPLOYED. MY EMPLOYMENT MAY BE TERMINATED AT ANY TIME.

IN CONSIDERATION OF MY EMPLOYMENT, I AGREE TO CONFORM TO THE COMPANY'S RULES AND REGULATIONS, AND I AGREE THAT MY EMPLOYMENT AND COMPENSATION CAN BE TERMINATED, WITH OR WITHOUT CAUSE. AND WITH OR WITHOUT NOTICE, AT ANY TIME, AT EITHER MY OR THE COMPANY'S OPTION. I ALSO UNDERSTAND AND AGREE THAT THE TERMS AND CONDITIONS OF MY EMPLOYMENT MAY BE CHANGED, WITH OR WITHOUT CAUSE, AND WITH OR WITHOUT NOTICE, AT ANY TIME BY THE COMPANY. I UNDERSTAND THAT NO COMPANY REPRESENTATIVE, OTHER THAN IT'S PRESIDENT, AND THEN ONLY WHEN IN WRONG AND SIGNED BY THE PRESIDENT, HAS ANY AUTHORITY TO ENTER INTO ANY AGREEMENT FOR EMPLOYMENT FOR ANY SPECIFIC PERIOD OF TIME, OR TO MAKE ANY AGREEMENT CONTRARY TO THE FOREGOING.

DATE	SIGNATURE


		DO NOT WRITE BELOW THIS LINE
INTERVIEWED BY:			DATE:
REMARKS:

NEATNESS		ABILITY
HIRED: q Yes	q No	POSITION	DEPT.
SALARY/WAGE		DATE REPORTING TO WORK
APPROVED:	1.	2.	3
	EMPLOYMENT MANAGER	DEPT. HEAD	GENERAL MANAGER

This form has been designed to strictly comply with State and Federal fair employment practice laws prohibiting employment discrimination. This Application for Employment Form is sold for general use throughout the United States. TOPS assumes no responsibility for the inclusion in said form of any questions which, when asked by the Employer of the Job Applicant, may violate State and/or Federal Law.

We welcome your application for employment at Southern Platte Fire Protection District (hereinafter referred to as the Company). We are proud that our success is the result of the quality and caliber of our employees. In pursuit of excellence, we require, as a condition of employment, all applicants must consent to and authorize a pre-employment verification of the background information submitted on their applications and resumes.

The following information is used for identification

purposes in verifying background information.

Printed Name______________________ Date__________

Signature________________________________________

SS#____________________________________________

List any cities and states where you previously resided:

_________________________________________________

DISCLOSURE AND AUTHORIZATION [IMPORTANT -- PLEASE READ CAREFULLY BEFORE SIGNING AUTHORIZATION]

DISCLOSURE REGARDING BACKGROUND INVESTIGATION

(“the Company”) may obtain information about you for employment purposes from a third party consumer reporting agency. Thus, you may be the subject of a “consumer report” and/or an “investigative consumer report” which may include information about your character, general reputation, personal characteristics, and/or mode of living, and which can involve personal interviews with sources such as your neighbors, friends, or associates. These reports may contain information regarding your credit history, criminal history, social security number validation, motor vehicle records (“driving records”), verification of your education or employment history, or other background checks. Credit history will only be requested where such information is substantially related to the duties and responsibilities of the position for which you are applying. You have the right, upon written request made within a reasonable time, to request whether a consumer report has been requested and compiled about you, and disclosure of the nature and scope of any investigative consumer report and to request a copy of your report. Please be advised that the nature and scope of the most common form of investigative consumer report obtained with regard to applicants for employment is an investigation into your education and/or employment history conducted by Validity Screening Solutions, PO Box 860443, Shawnee, KS 66286-0443, 866.915.0792, www.validityscreening.com, or another outside organization. The scope of this notice and authorization is all-encompassing, however, allowing the Company to obtain from any outside organization all manner of consumer reports and investigative consumer reports now and throughout the course of your employment to the extent permitted by law. As a result, you should carefully consider whether to exercise your right to request disclosure of the nature and scope of any investigative consumer report.

New York and Maine applicants or employees only: You have the right to inspect and receive a copy of any investigative consumer report requested by

by contacting the consumer reporting agency identified above directly. You may also contact the Company to request the name, address and telephone number of the nearest unit of the consumer reporting agency designated to handle inquiries, which the Company shall provide within 5 days.

New York applicants or employees only: Upon request, you will be informed whether or not a consumer report was requested by , and if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. By signing below, you also acknowledge receipt of Article 23-A of the New York Correction Law.

Oregon applicants or employees only: Information describing your rights under federal and Oregon law regarding consumer identity theft protection, the storage and disposal of your credit information, and remedies available should you suspect or find that the Company has not maintained secured records is available to you upon request.

Washington State applicants or employees only: You also have the right to request from the consumer reporting agency a written summary of your rights and remedies under the Washington Fair Credit Reporting Act.

ACKNOWLEDGMENT AND AUTHORIZATION

I acknowledge receipt of the DISCLOSURE REGARDING BACKGROUND INVESTIGATION and A SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT and certify that I have read and understand both of those documents. I hereby authorize the obtaining of “consumer reports” and/or “investigative consumer reports” by the Company at any time after receipt of this authorization and throughout my employment, if applicable. To this end, I hereby authorize, without reservation, any law enforcement agency, administrator, state or federal agency, institution, school or university (public or private), information service bureau, employer, or insurance company to furnish any and all background information requested by Validity Screening Solutions, PO Box 860443, Shawnee, KS 66286-0443, 866.915.0792, www.validityscreening.com, another outside organization acting on behalf of the Company, and/or the Company itself. I agree that a facsimile (“fax”), electronic or photographic copy of this Authorization shall be as valid as the original.

New York applicants or employees only: By signing below, you also acknowledge receipt of Article 23-A of the New York Correction Law.

Minnesota and Oklahoma applicants or employees only: Please check this box if you would like to receive a copy of a consumer report if one is obtained by the

Company.	(Must include email address:		)

California applicants or employees only: By signing below, you also acknowledge receipt of the NOTICE REGARDING BACKGROUND INVESTIGATION PURSUANT TO CALIFORNIA LAW. Please check this box if you would like to receive a copy of an investigative consumer report or consumer credit report at no charge if one is obtained by the Company whenever you have a right to receive such a copy under California law. www.validityscreening.com/Site/PrivacyPolicy

(Must include email address:

)

Signature:		Date:
	BACKGROUND INFORMATION

Last Name

Other Names/Alias

Social Security # [1][2]

Driver’s License # [2]

Present Address

City/State/Zip

First Middle

Date of Birth (mm/dd/yyyy) [1][2]

State of Driver’s License [2]

Telephone # (Primary)

[1]This information will be used for background screening purposes only and will not be used as hiring criteria.[2] In Utah, this information may only be collected a) when extending a conditional offer of employment or b) at the time the background report will be run.

V 1.0 (Issued: November 2012)

Para información en español, visite www.consumerfinance.gov/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 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. See www.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.

•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 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- 567-8688.

•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:

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 NW
	Washington, DC 20552
b. Such affiliates that are not banks, savings associations, or credit	b. Federal Trade Commission: Consumer Response Center – FCRA
unions also should list, in addition to the CFPB	Washington, DC 20580
	(877) 382-4357
2. To the extent not included in item 1 above:
a. National banks, federal savings associations, and federal branches	a. Office of the Comptroller of the Currency
and federal agencies of foreign banks	Customer Assistance Group
	1301 McKinney Street, Suite 3450
	Houston, TX 77010-9050
b. State member banks, branches and agencies of foreign banks (other	b. Federal Reserve Consumer Help Center
than federal branches, federal agencies, and Insured State Branches of	P.O. Box 1200
Foreign Banks), commercial lending companies owned or controlled	Minneapolis, MN 55480
by foreign banks, and organizations operating under section 25 or 25A
of the Federal Reserve Act
c. Nonmember Insured Banks, Insured State Branches of Foreign	c. FDIC Consumer Response Center
Banks, and insured state savings associations	1100 Walnut Street, Box #11
	Kansas City, MO 64106
d. Federal Credit Unions	d. National Credit Union Administration
	Office of Consumer Protection (OCP)
	Division of Consumer Compliance and Outreach (DCCO)
	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 Surface Transportation Board	Office of Proceedings, Surface Transportation Board
	Department of Transportation
	395 E Street, S.W.
	Washington, DC 20423
5. Creditors Subject to 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
	406 Third Street, SW, 8th Floor
	Washington, DC 20416
7. Brokers and Dealers	Securities and Exchange Commission
	100 F St, 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	FTC Regional Office for region in which the creditor operates or
Above	Federal Trade Commission: Consumer Response Center – FCRA
	Washington, DC 20580
	(877) 382-4357

(Updated: November 2012)

Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

Remedying the Effects of Identity Theft

You are receiving this information because you have notified a consumer reporting agency that you believe you are a victim of identity theft. Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft.

1.You have the right to ask that nationwide consumer reporting agencies place “fraud alerts” in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.

•Equifax: 1.888.766.0008; www.equifax.com

•Experian: 1.888.397.3742; www.experian.com

•TransUnion: 1.800.680.7289; www.transunion.com

An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your file for seven years. To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of your identity, which may include your Social Security number. If you ask for an extended alert, you will have to provide an identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or local law enforcement agency, and additional information a consumer reporting agency may require you to submit. For more detailed information about the identify theft report, visit www.consumerfinance.gov/learnmore.

2.You have the right to free copies of the information in your file (your “file disclosure”). An initial fraud alert entitles you to a copy of all the information in your file at each of the three nationwide agencies, and an extended alert entitles you to two free file disclosures in a 12- month period following the placing of the alert. These additional disclosures may help you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether someone has reported a change in your address. Once a year, you also have

the right to a free copy of the information in your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity theft. You also have the ability to obtain additional free file disclosures under other provisions of the FCRA. See www.consumerfinance.gov/learnmore.

3.You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It may also specify an address for you to send your request. Under certain circumstances, a business can refuse to provide you with these documents. See www.consumerfinance.gov/learnmore.

4.You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with certain information about the debt you believe was incurred in your name by an identity thief – like the name of the creditor and the amount of the debt.

5.If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting agency block that information from your file. An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting agency to block the reporting of this information, you must identify the information to block, and provide the consumer reporting agency with proof of your identity and a copy of your identity theft report. The consumer reporting agency can refuse or cancel your request for a block if, for example, you don’t provide the necessary documentation, or where the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection.

6.You also may prevent businesses from reporting information about you to consumer reporting agencies if you believe the information is the result of identity theft. To do so, you must send your request to the address specified by the business that reports the information to the consumer reporting agency. The business will expect you to identify what information you do not want reported and to provide an identity theft report.

To learn more about identity theft and how to deal with its consequences, visit www.consumerfinance.gov/learnmore, or write to the Consumer Financial Protection Bureau. You may have additional rights under state law. For more information, contact your local consumer protection agency or your state Attorney General.

In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many other important consumer protections. They are described in more detail at www.consumerfinance.gov/learnmore.