A background check report is often used by employers, landlords, and financial institutions to make important decisions. However, these reports can sometimes contain incorrect or misleading information that can negatively impact your opportunities. At Jaffer Law, we help consumers identify and correct errors, ensuring that their rights under the Fair Credit Reporting Act (FCRA) are protected.
Common Types of Incorrect Information on a Background Check
Errors in a background check report can arise from various sources, including outdated records, clerical mistakes, or mistaken identity. Some of the most common inaccuracies include:
- Criminal records that do not belong to you – Sometimes, individuals with similar names or birthdates can have their records mixed up.
- Expunged or sealed records appearing on the report – Even if a record was legally removed, it may still appear due to reporting errors.
- Incorrect employment or education history – Employers may receive false information regarding your work experience or educational credentials.
- Mistaken identity – Your background check may contain information belonging to someone else with a similar identity.
- Incorrect credit or financial information – A background check may inaccurately reflect past financial judgments, debts, or bankruptcies.
What Are Discrepancies in a Background Check Report?
Discrepancies occur when there are inconsistencies between your actual records and what appears on the background check report. These differences can cause unnecessary delays or outright denials for jobs, housing, or financial applications. Some examples include:
- Mismatched names or Social Security numbers.
- Differences in reported employment dates or job titles.
- Criminal charges incorrectly listed as convictions.
- Duplicate records creating the appearance of multiple offenses.
How to Handle Background Check Errors and Discrepancies
If you discover incorrect information on your background check report, take the following steps immediately:
1. Obtain a Copy of Your Background Check Report
You have the right to request a copy of the background check report used by an employer, landlord, or financial institution when making a decision about you.
2. Identify the Errors and Gather Evidence
Carefully review the report and highlight any inaccuracies. Collect supporting documents such as court records, pay stubs, or official transcripts to prove the correct information.
3. File a Dispute with the Background Check Company
Under the FCRA, you can dispute incorrect information directly with the background check provider. Your dispute should include:
- A written explanation of the errors.
- Documentation supporting the corrections.
- A request for an updated report with accurate information.
4. Follow Up on the Investigation
The background check company has 30 days to investigate and correct the errors. They must provide you with a response detailing their findings and any changes made.
5. Notify the Employer or Landlord
If the error influenced an employment or housing decision, inform the employer or landlord about the dispute. Providing them with the corrected report can help reverse a negative decision.
What If Your Dispute Is Ignored or Not Resolved?
If the background check company fails to correct the errors or ignores your dispute, you may have legal grounds to file a claim under the FCRA. You could be entitled to damages, legal fees, and other remedies.
How Jaffer Law Can Help
At Jaffer Law, we are dedicated to protecting consumers from the consequences of inaccurate background check reports. Our attorneys can:
- Assist in disputing errors with background check companies.
- Hold employers or landlords accountable if they fail to follow FCRA requirements.
- Take legal action if your dispute is ignored or mishandled.
Contact Jaffer Law for a Free Consultation
Don’t let errors in a background check report stand in your way. Contact Jaffer Law today for a free consultation to discuss your case and explore your legal options.
WE CAN GET YOU COMPENSATION FOR YOUR EMPLOYMENT BACKGROUND CHECK ERRORS