Trak-1 Consumer Dispute Procedure

Trak-1 is committed to protecting the rights of consumers. The following is a summary of what you must do to dispute information contained in a consumer report that has been provided by Trak-1 about you.

Submit Your Dispute: Please submit a written statement of disputed information containing the following information:

• Full legal name
• Date of birth
• Social security number
• Current address
• Date of the Trak-1 consumer report
• Name of the entity who requested your consumer report
• Details of your dispute, including where applicable copies of any signed, executed court orders directing that the records in question are to be expunged or sealed.

You must attach a COPY OF YOUR DRIVER'S LICENSE (both front and back) with your dispute. Please mail your written statement of dispute to:

• PeopleFacts
  Consumer Disputes
  7127 Riverside Parkway
  Tulsa, Oklahoma 74136

Internal Review of Dispute: Trak-1 will review your written statement of disputed information, free of charge, within 5 business days (exclusive of weekends and holidays) of receiving the same.

Correction of Trak-1 System: If Trak-1 determines that the disputed item(s) of information are the result of an act or omission by Trak-1, we will correct or delete the item(s) in the consumer report within 20 days of receiving your written statement of dispute.

Notify External Data Providers and Reinvestigation by External Data Providers: If Trak-1 determines that the disputed item(s) of information are not the result of an act or omission by Trak-1, we will convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided Trak-1 with the information that is the subject of the dispute. The consumer reporting agency to whom we transmit the information will conduct a reinvestigation within 30 days of receiving notification of the consumer's dispute. Upon completion, the consumer reporting agency will provide Trak-1 with a notice of the result of the reinvestigation.

Notice to Consumer: Upon completion of the internal investigation, Trak-1 will convey written notice of the results to you.

Please note that if you provide Trak-1 with additional, relevant information prior to completion of the investigation, the time period for investigation may be extended by Trak-1.

Please further note that Trak-1 obtains its consumer reports from a number of resources. Trak-1 does not maintain a database from which new consumer reports are produced. Instead, each time Trak-1 prepares a consumer report; information from one or more consumer reporting agencies is utilized.

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How to Request a Copy of Your Consumer Report

Are you eligible to receive a free copy of your consumer report from Trak-1?

To receive a free copy of your consumer report from Trak-1, you must meet one of the following conditions, as provided for in the Fair Credit Reporting Act:

You may receive one free copy of your consumer report at any time if:

• You are a person that has had an adverse action taken against you because of information in your consumer report and no more than 60 days has passed since the date you received notice of the adverse action, OR
• You are the victim of identity theft and have placed a fraud alert in your file with Trak-1.

You may receive a free copy of your consumer report one time in any 12 month period if:

• Your file contains inaccurate information as a result of fraud committed by someone else and you submit written proof of the same, OR
• You are on public assistance and you submit written proof of the same, OR
• You are unemployed but expect to apply for employment within 60 days of the date you request a copy of your consumer report and you submit written proof of the same.

If you are eligible to receive a free copy of your consumer report, then please mail a written request for a free copy of your consumer report specifying why you are eligible to receive it and include with your request a legible photo copy of your current, valid driver's license (both front and back), valid social security card, and any required written proof of your eligibility to:

• Trak-1 Technology
  Free Consumer Report Request
  7127 Riverside Parkway
  Tulsa, Oklahoma 74136
  

If you are not eligible to receive a free copy of your consumer report, then you may submit a written request for a copy of your consumer report including the following information:

• Your full legal name
• Your mailing address
• Your area code and telephone number
• Your date of birth
• Your social security number

Together with a legible photocopy of your current, valid driver's license (both front and back), a legible photocopy of your current, valid social security card, and a processing fee of $10.00 payable only by money order to Trak-1 by mailing your request and processing fee to the following:

• PeopleFacts
  Paid Consumer Report Request
  7127 Riverside Parkway
  Tulsa, Oklahoma 74136
  

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