ISCR Case 24-01113

Case Headnote

ISCR Case No. 24-01113

deniedSep 29, 2025· Hon. Pamela C. Benson· hearing

Summary

A 50-year-old male with 21 years of military service was denied a security clearance due to concerns under Guidelines J (Criminal Conduct), F (Financial Considerations), and E (Personal Conduct). The applicant admitted to a pattern of criminal conduct, including stealing money from a federal government snack table between October and November 2021, and embezzling or stealing approximately $600 from a national department store in about 2016 while employed as a cashier. Additionally, in about 2013, the applicant was arrested for breach of peace after an argument with his wife.

Financial concerns included a judgment against him for about $6,968 in July 2023, and nine delinquent debts totaling approximately $58,641. These debts included a charged-off car loan of about $41,499 from August 2020, and various collection accounts for unpaid utilities and other services. The applicant failed to provide evidence of rehabilitation or resolution for these significant financial obligations.

Regarding personal conduct, the applicant falsified material facts on a Security Clearance Application (SCA) executed on April 18, 2022, and intentionally failed to list employment with a government contractor on his application. The judge found a pattern of dishonesty and a failure to mitigate concerns, concluding that the applicant did not demonstrate the reliability or trustworthiness required for access to classified information.

Why the Applicant Was Denied

The applicant admitted to embezzlement and theft from previous employers, demonstrating a pattern of criminal conduct.
The applicant failed to provide evidence of rehabilitation or resolution of numerous delinquent debts totaling over $58,000.
The applicant falsified information on a security clearance application, undermining his credibility.

Conditions Referenced

Disqualifying

AG ¶ 19(a)appliedInability to Satisfy Debts
AG ¶ 19(c)appliedHistory of Not Meeting Financial Obligations
AG ¶ 19(d)appliedDeceptive or Illegal Financial Practices
AG ¶ 31(a)appliedPattern of Minor Offenses
AG ¶ 31(b)appliedEvidence of Criminal Conduct
AG ¶ 16(a)appliedDeliberate Omission or Falsification of Relevant Facts
AG ¶ 16(d)appliedCredible Adverse Information

Key Rule Quoted

“The protection of the national security is the paramount consideration.”

Procedural Posture

SOR issuedOct 2, 2024
Answer filedNov 6, 2024
Hearing heldJul 9, 2025via online video teleconferencing
Decision dateSep 29, 2025

Cite For

Pattern of Dishonesty Under Guideline E
Failure to Mitigate Financial Concerns Under Guideline F
Criminal Conduct Impacting Security Clearance Eligibility Under Guideline J

Editorial summary generated for research. Not legal advice; not a prediction. Verify against the full decision before relying on any quoted language.

¶	Allegation	Finding	Conduct	Concealed Issue	Response	Disqualifying (¶16)	Mitigating applied (¶17)	Mitigation
3.a	Applicant falsified material facts on a SCA executed by him on April 18, 2022.	Against Applicant	Falsification Security FormFOUND DELIBERATE	—	Denied	—	—	—
3.b	Applicant intentionally failed to list his employment with a government contractor on his security clearance application.	Against Applicant	Omission or Failure to DiscloseFOUND DELIBERATE	Employment History	Denied	—	—	—

Allegation

Finding

Conduct

Concealed Issue

Response

Disqualifying (¶16)

Mitigating applied (¶17)

Mitigation

3.a

Applicant falsified material facts on a SCA executed by him on April 18, 2022.

Against Applicant

Falsification Security FormFOUND DELIBERATE

—

Denied

—

3.b

Applicant intentionally failed to list his employment with a government contractor on his security clearance application.

Against Applicant

Omission or Failure to DiscloseFOUND DELIBERATE

Employment History

Denied

—

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
2.a	Applicant is indebted for a judgment obtained against him in about July 2023 in the amount of about $6,968. $6,968	Against Applicant	Judgment Against Applicant	Admitted	—	—	—
2.b	Applicant has nine delinquent debts alleged in the SOR that total approximately $58,641. $58,641	Against Applicant	Unspecified Financial	Admitted	—	—	—
2.c	Applicant is indebted on a car loan that has been charged off in about August 2020 in the approximate amount of $41,499. $41,499	Against Applicant	Auto Loan Debt	Denied	—	—	—
2.d	Applicant is indebted to a collection agency in the amount of approximately $1,316 for an unpaid account. $1,316	Against Applicant	Unspecified Financial	Admitted	—	—	—
2.e	Applicant is indebted for unpaid utilities in the approximate amount of $174 that was referred for collection. $174	Against Applicant	Utility or Phone Debt	Admitted	—	—	—
2.f	Applicant is indebted to a collection agency for an unpaid account in the approximate amount of $5,742. $5,742	Against Applicant	Unspecified Financial	Denied	—	—	—
2.g	Applicant is indebted to a collection agency for an unpaid account in the approximate amount of $205. $205	Against Applicant	Unspecified Financial	Denied	—	—	—
2.h	Applicant is indebted to a collection agency for an unpaid account in the approximate amount of $1,256. $1,256	Against Applicant	Unspecified Financial	Denied	—	—	—
2.i	Applicant is indebted to a national department store for an account that was charged off in the approximate amount of $561. $561	Against Applicant	Unspecified Financial	Admitted	—	—	—
2.j	Applicant is indebted on a bank credit card referred to a collection agency in the approximate amount of $920. $920	Against Applicant	Credit Card Debt	Denied	—	—	—

Allegation

Finding

Type

Response

Disqualifying (¶19)

Mitigating applied (¶20)

Mitigation

2.a

Applicant is indebted for a judgment obtained against him in about July 2023 in the amount of about $6,968.

$6,968

Against Applicant

Judgment Against Applicant

Admitted

—

2.b

Applicant has nine delinquent debts alleged in the SOR that total approximately $58,641.

$58,641

Against Applicant

Unspecified Financial

Admitted

—

2.c

Applicant is indebted on a car loan that has been charged off in about August 2020 in the approximate amount of $41,499.

$41,499

Against Applicant

Auto Loan Debt

Denied

—

2.d

Applicant is indebted to a collection agency in the amount of approximately $1,316 for an unpaid account.

$1,316

Against Applicant

Unspecified Financial

Admitted

—

2.e

Applicant is indebted for unpaid utilities in the approximate amount of $174 that was referred for collection.

$174

Against Applicant

Utility or Phone Debt

Admitted

—

2.f

Applicant is indebted to a collection agency for an unpaid account in the approximate amount of $5,742.

$5,742

Against Applicant

Unspecified Financial

Denied

—

2.g

Applicant is indebted to a collection agency for an unpaid account in the approximate amount of $205.

$205

Against Applicant

Unspecified Financial

Denied

—

2.h

Applicant is indebted to a collection agency for an unpaid account in the approximate amount of $1,256.

$1,256

Against Applicant

Unspecified Financial

Denied

—

2.i

Applicant is indebted to a national department store for an account that was charged off in the approximate amount of $561.

$561

Against Applicant

Unspecified Financial

Admitted

—

2.j

Applicant is indebted on a bank credit card referred to a collection agency in the approximate amount of $920.

$920

Against Applicant

Credit Card Debt

Denied

—

¶	Allegation	Finding	Offense	Criminal disposition	Response	Disqualifying (¶31)	Mitigating applied (¶32)	Mitigation
1.a	Between October 2021 and November 2021, Applicant stole money from the snack table at his federal government employment.	Against Applicant	Theft or Larceny	Conduct No Charge	Denied	—	—	—
1.b	In about 2016, Applicant embezzled or stole approximately $600 from a national department store where he worked as a cashier.	Against Applicant	Theft or Larceny	Conduct No Charge	Admitted	—	—	—
1.c	In about 2013, Applicant was arrested for breach of peace after pushing his wife during an argument.	Against Applicant	Assault or Battery	Arrested Not Charged	Admitted	—	—	—

Allegation

Finding

Offense

Criminal disposition

Response

Disqualifying (¶31)

Mitigating applied (¶32)

Mitigation

1.a

Between October 2021 and November 2021, Applicant stole money from the snack table at his federal government employment.

Against Applicant

Theft or Larceny

Conduct No Charge

Denied

—

1.b

In about 2016, Applicant embezzled or stole approximately $600 from a national department store where he worked as a cashier.

Against Applicant

Theft or Larceny

Conduct No Charge

Admitted

—

1.c

In about 2013, Applicant was arrested for breach of peace after pushing his wife during an argument.

Against Applicant

Assault or Battery

Arrested Not Charged

Admitted

—

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Summary

Why the Applicant Was Denied

Conditions Referenced

Key Rule Quoted

Procedural Posture

Cite For

Full decision