Digitally signed

by Joseph Zernik
DN: cn=Joseph
Zernik, o, ou,
email=jz12345@e
arthlink.net, c=US
Date: 2010.05.12
16:27:48 +03'00'

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

February 18, 2010

JOSEPH H ZERNIK Ref: 722011

1983 FOOTHILL BLVD
LA VERNE, CA 91740

Dear JOSEPH H ZERNIK:

Pursuant to California Civil Code, EXAMINERCOM is required to provide you with a

copy of your background check if you request one at the time the ieport is run. As you
indicated on the Authorization Form you signed that you wish to receive a copy of your
background check, we are forwarding the report to you now on behalf of
EXAMINERCOM.

Please understand that Frasco® Profiles is not involved in your hiring decision And
cannot address the reason you mayor may not gain employment with
EXAMINERCOM. As a Consumer Reporting Agency, Frasco® Profiles has provided
information to EXAMINERCOM that was derived from public and private sources as
was outlined in the Notice of Intent to Procure Consumer Report. Should you need
assistance with the specific content of the report, not relating to an employment
decision, please contact us directly at the number above.

Cordially,

Frasco® Profiles
Customer Service

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

F Rprotiles
February 17, 2010 PERSONAL AND CONFIDENTIAL

Ms. Sarina Kimura Re: ZERNIK, JOSEPH H.

EXAMINER.COM 722011-HR
555 17th Street
Suite 400
Denver, CO 80202
STATUS: REVIEW*

Dear Ms. Kimura:

This report concerns the background you requested on .Joseph H. Zernik.

This following disclosure is provided as required by California Civil Code §1786.29 and
applies to California applicants only. The following report does not guarantee the accuracy or
truthfulness of the information as to the subject of the investigation, but only that it is
accurately copied from public records. Evidence of identity theft mayor may not be identified
from this report. The recipient of this report shall give a copy of this report to the consumer if
they requested a copy be provided. Failure to provide a copy of the report as required by law
may expose you to liability as specified in §1786.50 of the California Civil Code..

~ SOCIAL SECURITY NUMBER TRACE:.

Review <SUBJECT> <SSN>
ZERNIK, JOSEPH H. XXX-XX-3106
VERJ."UK, JOSEPH
VOLTERPA,JOSEPH
<CURRENT ADDRESS> <DATE RPTD>
2415 ST GEORGE ST., LOS ANGELES CA. 90027 2/08
<FORMER ADDRESS>
320 S. PECK DR., BEVERLY HILLS CA. 90212 1/05
526 PO BOX 526, LA VERNE CA. 91750
<SUBJECT>
ZERNIK, JOSEPH H.
<CURRENT ADDRESS> <DATE RPTD>
1965 FOOTHILL BV., #E. LA VERNE CA. 91750 4/09

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

MULTI-STATE SEXUAL OFFENDER SEARCH

A Multi-State Sexual Offender Tracker Search was conducted which revealed no record(s) for JOSEPH H
ZERNIK with the date of birth provided.

NATIONAL CRIMINAL SEARCH

A National Criminal Database Search was conducted which revealed no significant record(s) for JOSEPH H
ZERNIK with the date of birth provided. Please note that the National Criminal Database does not contain
records 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
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 not
guarantee that your candidate does not have a criminal record.
I
LEGAL COMPLIANCE SUMMARY
Pursuant to State Code, a copy of this report was mailed to JOSEPH ZERNIK within one business day of the
date of this report at the addrrss provided by you. The Federal Trade Commission's document, A Summary of
Your 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 at
your convenience. I I . ' I

SPECIAL NOTE: so~~ of the information provided in this report has been obtained from public and private sources. Although this
informaticn is thought to be accurate, its accuracy is not gwamnteed due to the lack of control over s0l 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 no
position on the legality of client's use of any information reported. Client's use of the information reported may be regulated by state and
federal law. Frasco. Inc. suggests consulting legal counsel prior to using any information reported to take adverse action against ar.
applicant or employee.
FRpnJriles• 215 W. Alameda Ave.
Burbank, CA 91505
(800) 820-9029
www.frascoprofiles.com

Para 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 You~ Rights Under thel Fair Credit Reporting Act

The federal Fair Credit Reporting ActfFCRA) promotes the accuracy, fairness, and privacy of information in
the files of consumer reporting agencies. T ere are many types of consumer reporting agencies, including credit
bureaus and specialty agencies (such as gencies that sell informatio about check writing histories, medical
records, and rental history records). Her~ is a summary of your maj r rights under the FCRA. For more
information, including informatiqn about additional rights, go to .ftc. ovlcredit or write to: Consu",,:,er
Response Center, Room 130-A, ~'ederal Trade Commission, 600 Pe sylvania Ave. N.W., W~shington, D'.C.
20580.
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1iI You must be told if infor'ma!ioh ~o~r me hOl.s been used against Ycu'.Anycne who uses.a credit report or
in
another type of consumer report to deny your application for credit, insurance, or employment - or to take
another adverse action against you - must tell you, and must give you the name, address" and phone number of
the agency that provided the information.

• You have the right to know what is in your file. You may request and obtain all the information about you in
the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper
identification, which may include your Social Security number. In many cases, the disclosure will be free. You
are entitled to a free file disclosure if:
• a person has t~ken 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 upon
request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See
www.ftc.gov/credit for additional information.

• You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-
worthiness based on information from credit bureaus. You may request a credit score from consumer reporting
agencies that create scores or distribute scores used in residential real property loans, but you will have to pay
for it. In some mortgage transactions, you will receive credit score infor~<?l'.l.o.r....frEi,e fr,om the mortgage
lender.

• You have the right to dispute incomplete or inaccurate information. If you identify information in your file
that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate
unless 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 not report outdated negative information. In most cases, a consumer
reporting agency may not report negative information that is more than seven years old, or bankruptcies that are
more than 10 years old.

• Access to your file is limited. A consumer reporting agency may provide information about you only to people
with a valid need - usually to consider an application with a creditor, insurer, employer, landlord, or other
business. The FCRA specifies those with a valid need for access.
• You must give your consent for reports to be provided to employers. A consumer reporting agency may
not give out information about you to your employer, or a potential employer, without your written consent given
to the employer. Written consent generally is not required in the trucking industry. For more information, go to
www.ftc.gov/credit.

• You may limit "prescreened" offers of credit and insurance you get based on information in your credit
report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can
call if you choose to remove your name and address from the lists these offers are based on. You may opt-out
with the nationwide credit bureaus at 1-888-567-8688.

• You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of
consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be
able to sue in state or federal court. '

• Identity theft victims and active duty military personnel have additional rights. For more information, visit
www.ftc.gov/credit. '

States may enforce the FCRA, and many states hav~ their own consumer reporting laws.- In some cases,
you may havt! more rights under state law. For mdre information, contact your state or loca! consumer
protection agen,cy or your state Attorney General. Federal enforcers are:

..
TYPE OF BUSINESS: CONTACT:
Consumer reporting agencies, creditors and others not listed Federal Trade Commission: Consumer Response Center - FCRA
below Washington, DC 20590 1-877-382-4357
National banks, federal branches/agencies of foreign banks Office of the Comptroller of the Currency
(word "National" or initials "N.A." appear in or after bank's Compliance Management, Mail Stop 6-6
name) Washington, DC 20219 ~ -800-613-6743
Federal Reserve System member banks (except national banks, Federal Reserve Board
--
and federal branches/agencies of foreign banks) Oivision of Consumer & Community Affairs
Washinoton, DC 20551 1-202-452-3693
Savings associations and federally chartered savings banks
(word "Feder'3I" or initials "F.S.B." appear in federal institution's
Office of Thrift Supervision
Consumer Complaints
I
I
name)
Federal credit unions (words "Federal Credit Union" appear in
Washington, DC 20552 1-800-842-6929
National Credit Union Administration
JI

institution's name) 1775 Duke Street I

Alexandria, VA 22314 1-703-519-4600 ~
State..chartered banks that are not members of the Federal Federal Deposit Insurance Corporation . .
Reserve System Consumer Response Center, 2345 Grand Avenue, Suite 100
Kansas City, Missouri 64108-2638 1-877-275-3342
Air, surface, or rail common carriers regulated by former Civil Department of Transportation, Office of Financial Management
Aeronautics Board or Interstate Commerce Commission Washinoton, DC 20590 1-202-366-1306
Activities subject to the Packers and Stockyards Act, 1921 Department of Agriculture
Office of Deputy Administrator - GIPSA
Washinoton, DC 20250 1-202-720-7051