In October 2011, pursuant to an investigation, the Local Security Office obtained the Individual’s credit report. The credit report indicated that the Individual had a number of accounts either in collection or which were charged off. Exhibit (Ex.) 13 at 1-6. Consequently, the DOE facility’s Local Security Office (LSO) conducted a personnel security interview (PSI) with the Individual in January 2012. Ex. 19. The 2012 PSI failed to resolve the security concerns due to the Individual’s excessive indebtedness. Consequently, the LSO, in a February 2012 notification letter (Notification Letter) informed the Individual as to the derogatory information that raised security concerns under 10 C.F.R. § 710.8 (l) (Criterion L). Ex. 1. The Notification Letter also informed the Individual that his security clearance was suspended and that he was entitled to a hearing before a Hearing Officer in order to resolve the security concerns.