Frequently Asked Questions About Errors on Credit Reports and Background Checks 

Errors/Inaccuracies on Your Background Check

Q: What causes false information to appear on a background check? 

A: Typically, inaccurate information on a background check appears after you have applied for housing, a job, or even a security clearance. When this happens, the false information likely caused you to lose that opportunity, whether it was for rental housing, employment, or any other number of reasons. Errors on your background check are usually the result of a mixed file, whereby the company that prepared the background check likely mixed you up with someone else with the same or a similar name. This could result in a situation where something like their eviction or even criminal charges appear falsely on your background check.

Q:  How Do I Correct A Mistake on my Background Check and Clear My Name? 

A: This process typically begins with doing a dispute to the company that prepared the background check. First, ask for a copy of the background check so that you can see what specifically is being falsely reported. Next, you should contact the background check preparer to file a formal dispute. Typically, the address or phone number to contact them is contained within the report itself. At The Consumer Lawyers, we recommend doing a written dispute that contains supporting documents that support your position, and to send the dispute by certified mail. You should also make sure to maintain a copy for your records.

Q: What Can I Do if I was Denied a Job or Housing Because of an Inaccurate Background Check? 

A: Under federal law, you have a right to sue if false information contained in your background check caused you to be denied a job, housing, a security clearance, or anything else. The Fair Credit Reporting Act gives you the right to sue to not only clear your name, but to seek compensation for the loss of opportunity you suffered. Most Fair Credit Reporting Act (FCRA) lawyers work on a contingency fee basis, meaning you pay no fees or costs up front, but rather a percentage of the total recovery if you win your case.