Background Check & FCRA Notice
Effective date: May 11, 2026 · TD Service LLC — Peoria, IL · Applies to contractor onboarding and re-screening.
Why We Run Background Checks
Our contractors go into customers' homes, drive customer property, and sometimes work alone on rural sites. TD Service LLC runs a basic background screening before activating a contractor so that customers can trust the person we send and so existing contractors aren't put on a crew with someone they shouldn't be teamed with.
What We Check
- Identity verification (name, date of birth, SSN trace).
- Sex Offender Registry — national and Illinois.
- County and federal criminal records, last 7 years (longer where state law permits and only when relevant to the role).
- Motor Vehicle Record — for any contractor whose work involves driving customer property.
We do not pull credit reports. We do not pull medical records. We do not pull employment-credit data.
Your Rights Under the Fair Credit Reporting Act (FCRA)
The federal Fair Credit Reporting Act (15 U.S.C. § 1681) gives you the following rights any time a third-party consumer reporting agency runs a background check for an employer or contracting party:
- Written disclosure first. Before we order the report, you receive a clear, standalone written disclosure that a background check is being requested. This page satisfies that requirement; the disclosure is also presented again at signing.
- Written consent. You sign a separate authorization. We will not run the check without it.
- Right to know what the report says. You can request a copy of the report from the consumer reporting agency that produced it. We'll tell you which agency we used.
- Right to dispute. If the report contains errors, you can dispute them directly with the consumer reporting agency, who must investigate within 30 days.
- Right to a "Summary of Your Rights Under the FCRA." A copy is provided alongside the signed authorization; it is also published by the CFPB at consumerfinance.gov.
Adverse Action Procedure
If something on the report would cause us to decline or end your contractor relationship with TD Service LLC, we follow a two-step process (this is what the FCRA requires; it is also fair to you):
Step 1 — Pre-Adverse Notice
- We send you a written pre-adverse-action notice.
- We include a copy of the report.
- We include the Summary of Your Rights Under the FCRA.
- We wait at least 5 business days before making the final decision so you have time to dispute or explain.
Step 2 — Final Adverse Action Notice
If we still proceed with the denial or termination after that window, you receive a written final notice identifying the agency, stating that the agency did not make the decision, and reaffirming your right to dispute and to a free copy of the report within 60 days.
Illinois-Specific Protections
Illinois law adds protections beyond the federal FCRA. We comply with:
- Illinois Human Rights Act — we do not consider arrest records that did not lead to conviction, or expunged/sealed records.
- Job Opportunities for Qualified Applicants Act ("ban the box") — for any employee role, we do not ask about conviction history on the initial application; conviction-related questions are made only after a conditional offer.
- Cannabis Regulation and Tax Act — legal off-duty cannabis use, by itself, is not a disqualifier.
Convictions are considered only when there is a substantial relationship between the offense and the safety responsibilities of the role (e.g., theft history for a job involving customer property, violent offense history for a job involving entry to homes).
What We Do With the Report
- Only the owner of TD Service LLC sees the report.
- The report is stored encrypted and accessed only to make the contractor activation decision and any later re-screening.
- We retain reports as required by law and dispose of them securely afterward (cross-cut shred or secure-delete).
- We do not share the report with customers, other contractors, or third parties.
Right to Refuse Without Penalty Before You Sign
You don't have to consent.
If you decline to authorize the background check, we won't activate you as a contractor — but you are not penalized, blacklisted, or referred elsewhere. There is no record of your refusal beyond the closed-out application. You can also withdraw consent at any future re-screening with the same protection.
Questions or Disputes
About your check or to request a copy of the report:
To dispute an item on the report, contact the consumer reporting agency directly. We will identify which agency was used and provide that contact information in any pre-adverse notice.