Free Annual Credit Reports

The Fair and Accurate Credit Transactions Act (FACT Act) amended the Fair Credit Reporting Act (FCRA) in 2003 and entitles a consumer a free copy of their credit report from the three national credit bureaus (Equifax, Experian, and TransUnion) once every twelve month period.

AnnualCreditReport.com is the authorized source for these annual credit reports, and you can request your free report online at AnnualCreditReport.com, by calling them at (1) 877-322-8228, or by downloading and submitting the Annual Credit Report Request form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. 

Free Annual Consumer File Disclosures
In accordance with the Free Annual File Disclosure Rule (16 C.F.R. Part 610), you may request a free annual file disclosure from EBI if we have conducted a background check on you.

Please understand that EBI does not maintain a universal database of consumer credit reports, and we only provide individual consumer reports at the request of our client(s) after your authorization has been obtained. If you have not previously submitted an application to our client and authorized a background report, we will not have your individual consumer report on file.

For your convenience, a sample Free Annual File Disclosure Instructions & Request Form is available online. Additionally, you can submit your free of charge request toll-free by calling (1) 800-324-7700, or you mail a written request to: Attention: Free Annual File Disclosure, Employment Background Investigations, Inc. (EBI), PO Box 629, Owings Mills MD 21117.

Please be advised that the consumer file we provide to you was provided at the time of your application and may not depict the most current information.

Please note that all copies of these reports will be delivered by mail only. To preserve the confidentiality of your personal information, a copy of your current driver license or recent utility bill must be provided in order for EBI to send correspondence to an alternate or new address. 

Consumer Disputes
If you wish to dispute the accuracy of any information in the background report that EBI has provided, EBI will conduct a reasonable and free of charge reinvestigation upon request. In accordance with the Fair Credit Reporting Act (FCRA), we will review all of the relevant information you have provided and reinvestigate the disputed item(s). Upon completion of our investigation we will mail you a written summary of the results.

For your convenience, a sample Consumer Dispute Instructions & Request Form is available online. Additionally, you can submit a free of charge request toll-free by calling (1) 800-324-7700, or you mail a written request to:

Attention:
Consumer Disputes
Employment Background Investigations, Inc. (EBI)
PO Box 629
Owings Mills MD 21117