10-02-18 Examiner Background Check on Dr Zernik-s

8/9/2019 10-02-18 Examiner Background Check on Dr Zernik-s

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FRjWOfilesFebruary 18, 2010JOSEPH H ZERNIK1983 FOOTHILL BLVDLA VERNE, CA 91740

Dear JOSEPH H ZERNIK:

215 W Alameda Avenue, Burbank, CA 91502(800) 820-9029 FAX (818) 567-1215

Ref: 722011

Pursuant to California Civil Code, EXAMINERCOM is required to provide you with acopy of your background check if you request one at the time the ieport is run. As youindicated on the Authorization Form you signed that you wish to receive a copy of yourbackground check, we are forwarding the report to you now on behalf ofEXAMINERCOM.Please understand that Frasco Profiles is not involved in your hiring decision Andcannot address the reason you mayor may not gain employment withEXAMINERCOM. As a Consumer Reporting Agency, Frasco Profiles has providedinformation to EXAMINERCOM that was derived from public and private sources aswas outlined in the Notice of Intent to Procure Consumer Report. Should you needassistance with the specific content of the report, not relating to an employmentdecision, please contact us directly at the number above.Cordially,Frasco ProfilesCustomer Service

:-

Digitally signed

by Joseph ZernikDN: cn=Joseph

Zernik, o, ou,

[email protected], c=US

Date: 2010.05.12

16:27:48 +03'00'


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F RprotilesFebruary 17, 2010Ms. Sarina KimuraEXAMINER.COM555 17th StreetSuite 400Denver, CO 80202

Dear Ms. Kimura:

215 W Alameda Avenue, Burbank, CA 91502(800) 820-9029 FAX (818) 567-1215

PERSONAL AND CONFIDENTIALRe: ZERNIK, JOSEPH H.722011-HR

STATUS: REVIEW*

This report concerns the background you requested on .Joseph H. Zernik.This following disclosure is provided as required by California Civil Code 1786.29 andapplies to California applicants only. The following report does not guarantee the accuracy ortruthfulness of the information as to the subject of the investigation, but only that it isaccurately copied from public records. Evidence of identity theft mayor may not be identifiedfrom this report. The recipient of this report shall give a copy of this report to the consumer ifthey requested a copy be provided. Failure to provide a copy of the report as required by lawmay expose you to liability as specified in 1786.50 of the California Civil Code..SOCIAL SECURITY NUMBER TRACE:.

Review ZERNIK, JOSEPH H.VERJ."UK, JOSEPHVOLTERPA,JOSEPH2415 ST GEORGE ST., LOS ANGELES CA. 90027320 S. PECK DR., BEVERLY HILLS CA. 90212526 PO BOX 526, LA VERNE CA. 91750ZERNIK, JOSEPH H.1965 FOOTHILL BV., #E . LA VERNE CA. 91750

XXX-XX-3106

2/081/05

4/09***ID MISMATCH ALERT: CURRENT INPUT ADDRESS DOES NOT MATCH FILE ADDRESS(ES)

MULTI-STATE SEXUAL OFFENDER SEARCHA Multi-State Sexual Offender Tracker Search was conducted which revealed no record(s) for JOSEPH HZERNIK with the date of birth provided.NATIONAL CRIMINAL SEARCHA National Criminal Database Search was conducted which revealed no significant record(s) for JOSEPH HZERNIK with the date of birth provided. Please note that the National Criminal Database does not containrecords from all counties and is used only for possible tips and leads for additional research. Because this*Status is based on criteria provided by the employer. Frasco Profiles makes no employment recommendations


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Re: ZERNIK, JOSEPH H.Page 2 of 4

search is not all encompassing of all records throughout the United States, a finding of "no records" does notguarantee that your candidate does not have a criminal record.ILEGAL COMPLIANCE SUMMARYPursuant to State Code, a copy of this report was mailed to JOSEPH ZERNIK within one business day of thedate of this report at the addrrss provided by you. The Federal Trade Commission's document, A Summary ofYour Rights Under the Fair Credit Reporting Act, was included with the report.

Thank you for using Frasco JrOfiles. should you have any queslions regar.llng this report please contact us atyour convenience. I I . ' ISPECIAL NOTE: s o ~ ~ of the information provided in this report has been obtained from public and private sources. Although thisinformaticn is thought to be accurate, its accuracy is not gwamnteed due to the lack of control over s0 l

'rce.; 'iupply!ng the inform;;ltion.Frasco, Inc. reports only information that is legal for Frasco, Inc. to report to client under state and federal law. Frasco, Inc. takes noposition on the legality of client's use of any information reported. Client's use of the information reported may be regulated by state andfederal law. Frasco. Inc. suggests consulting legal counsel prior to using any information reported to take adverse action against ar.applicant or employee.


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RpnJriles 215 W. Alameda Ave.Burbank, CA 91505(800) 820-9029www.frascoprofiles.comPara informacion en espanol, visite www.ftc. ' ov/credit 0 escribe a la FTC Consumer Response Center, Room 130-A 600 Pennsylvania Ave., N. W. , Washingto , D.C. 20580.

A Summary of Y o u ~ Rights Under thel Fair Credit Reporting ActThe federal Fair Credit Reporting ActfFCRA) promotes the accuracy, fairness, and privacy of information inthe files of consumer reporting agencies. T ere are many types of consumer reporting agencies, including creditbureaus and specialty agencies (such as gencies that sell informatio about check writing histories, medicalrecords, and rental history records). H e r ~ is a summary of your maj r rights under the FCRA. For more

information, including informatiqn about additional r ights, go to .ftc. ovlcredit or wri te to: Consu",,:,erResponse Center, Room 130-A, ~ ' e d e r a l Trade Commission, 600 Pe sylvania Ave. N.W., W ~ s h i n g t o n , D'.C.20580. -, . jl" I .. f"

I, '" 1 I n' , "f I1iI You must be told if infor'ma!ioh in ~ o ~ r me hOl.s been used against Ycu'.Anycne who uses.a credit report oranother type of consumer report to deny your application for credit, insurance, or employment - or to takeanother adverse action against you - must tell you, and must give you the name, address" and phone number ofthe agency that provided the information. You have the r ight to know what is in your f ile. You may request and obtain all the information about you inthe files of a consumer reporting agency (your "file disclosure"). You will be required to provide properidentification, which may include your Social Security number. In many cases, the disclosure will be free. Youare entitled to a free file disclosure if: a person has t ~ k e n 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, by September 2005 all consumers will be entitled to one free disclosure every 12 months uponrequest from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. Seewww.ftc.gov/credit for additional information. You have the right to ask fo r a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus. You may request a credit score from consumer reportingagencies that create scores or distribute scores used in residential real property loans, but you will have to payfor it. In some mortgage transactions, you will receive credit score i n f o r ~ < ? l ' . l . o . r . . . . f r E i , e fr,om the mortgagelender. You have the right to dispute incomplete or inaccurate information. If you identify information in your filethat is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigateunless your dispute is frivolous. See www.ftc.gov/credit 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 no t report outdated negative information. In most cases, a consumerreporting agency may not report negative information that is more than seven years old, or bankruptcies that aremore than 10 years old. Access to your file is limited. A consumer reporting agency may provide information about you only to peoplewith a valid need - usually to consider an application with a creditor, insurer, employer, landlord, or otherbusiness. The FCRA specifies those with a valid need for access.


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You must give your consent fo r reports to be provided to employers. A consumer reporting agency maynot give out information about you to your employer, or a potential employer, without your written consent givento the employer. Written consent generally is not required in the trucking industry. For more information, go towww.ftc.gov/credit.You may limit "prescreened" offers of credit and insurance you get based on information in your creditreport. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you cancall if you choose to remove your name and address from the lists these offers are based on. You may opt-outwith the nationwide credit bureaus at 1-888-567-8688.You may seek damages from violators. I f a consumer reporting agency, or, in some cases, a user ofconsumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may beable to sue in state or federal court. 'Identity theft victims and active duty mili tary personnel have additional rights. For more information, visitwww.ftc.gov/credit. '

States may enforce the FCRA, and many states h a v ~ their own consumer reporting laws.- In some cases,you may havt! more rights under state law. For mdre information, contact your state or loca! consumerprotection agen,cy or your state Attorney General. Federal enforcers are:..TYPE OF BUSINESS: CONTACT:Consumer reporting agencies, creditors and others not l isted Federal Trade Commission: Consumer Response Center- FCRAbelow Washington, DC 20590 1-877-382-4357National banks, federal branches/agencies of foreign banks Off ice of the Comptroller of the Currency(word "National" or init ials "N.A." appear in or after bank's Compliance Management, Mail Stop 6-6name) Washington, DC 20219 -800-613-6743Federal Reserve System member banks (except national banks, Federal Reserve Board --and federal branches/agencies of foreign banks) Oivision of Consumer & Community Affairs

Iashinoton, DC 20551 1-202-452-3693Savings associations and federally chartered savings banks Office of Thrift Supervision(word "Feder'3I" or initials "F.S.B." appear in federal institution's Consumer Complaints Iname) Washington, DC 20552 1-800-842-6929 Jederal credit unions (words "Federal Credit Union" appear in National Credit Union Administration Iinstitution's name) 1775 Duke Street IAlexandria, VA 22314 1-703-519-4600tate..chartered banks that are not members o f the Federal Federal Deposit Insurance Corporation . .Reserve System Consumer Response Center, 2345 Grand Avenue, Suite 100Kansas City, Missouri 64108-2638 1-877-275-3342Air, surface, or rail common carriers regulated by former Civil Department of Transportation, Office of Financial ManagementAeronautics Board or Interstate Commerce Commission Washinoton, DC 20590 1-202-366-1306Activities subject to the Packers and Stockyards Act, 1921 Department of AgricultureOffice of Deputy Administrator - GIPSAWashinoton, DC 20250 1-202-720-7051

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10-02-18 Examiner Background Check on Dr Zernik-s