Summary of Your Rights Under Cal. Civ. Code § 1786.22

Under California Civil Code section 1786.22, you may view the file maintained on you by a consumer reporting agency, including Accurate Background, during normal business hours and on reasonable notice. You may obtain a copy of this file by:

1. Appearing at the consumer reporting agency in person, upon submitting proper identification. You may also receive a copy of the file for a fee not to exceed the costs of duplication services provided; or

2. By certified mail, if you make a written request, with proper identification, for copies to be sent to a specific addressee; or

3. By telephone, if you make a written request, with proper identification for telephone disclosure, and the toll charge, if any, is prepaid or charged directly to you. 

The term proper identification as used above means information generally deemed sufficient to identify a person. Such information includes documents such as a valid driver’s license, social security account number, military identification card, and credit cards. Only if the consumer is unable to reasonably identify himself with the information described above, may an investigative consumer reporting agency require additional information concerning the consumer’s employment and personal or family history in order to verify his identity. 

The agency is required to have personnel available to explain your file to you.

The agency must explain any coded information appearing in your file to you and provide a written explanation whenever a file is provided to you for visual inspection as described above. 

A person of your choice may accompany you, provided this person furnishes proper identification. An agency may require you to provide a written statement granting permission to the agency to discuss your file in the presence of this other person.