Do you need a copy of your report?

How to Request a Copy of Your Consumer Report

Are you eligible to receive a free copy of your consumer report from Sanction Search?

To receive a free copy of your consumer report from Sanction Search, 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 Sanction Search.

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:

Sanction Search
Free Consumer Report Request
4705 Palmetto Rd, Suite 4
Benton, LA 71006

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 Sanction Search by mailing your request and processing fee to the following:

Sanction Search
Paid Consumer Report Request
4705 Palmetto Rd, Suite 4
Benton, LA 71006

Adverse Action

“Adverse actions” include all employment actions affecting consumers that can be considered to have a negative impact – such as denying employment or promotion.  Before taking an adverse action, the user must provide a copy of the report to the consumer as well as the document titled, “A Summary of Your Rights Under the Fair Credit Reporting Act.” This notification that an adverse action is being considered is sometimes referred to as a “pre-adverse action notice.”

After sending the pre-adverse action notice the user is required to give the consumer a reasonable amount of time to question and correct any information contained in the report. Although not specifically stated in the FCRA, five days has been deemed to be a reasonable amount of time.  If after waiting for the consumer to respond the user takes the adverse action and the decision to do so is based at least in part on information contained in a consumer report, the user must notify the consumer.

This notification is typically referred to as the “post-adverse action notice.” The notification may be done in writing, orally, or by electronic means. It must include the following:

• The name, address, and telephone number of the CRA (including a toll-free telephone number, if it is a nationwide CRA) that provided the report.
• A statement that the CRA did not make the adverse decision and is not able to explain why the decision was made.
• A statement setting forth the consumer’s right to obtain a free disclosure of the consumer’s file from the CRA if the consumer makes a request within 60 days.
• A statement setting forth the consumer’s right to dispute directly with the CRA the accuracy or completeness of any information provided by the CRA.