Background checks are increasingly common for job applications, housing, and even volunteer opportunities. But what happens when the report that comes back contains errors? These mistakes can cost you a job, a rental, or your peace of mind. If you’ve found yourself facing incorrect information on a background check, don’t panic—there are steps you can take to fix it. We often see people dealing with such situations, and we’re here to help you through it.
1. Review the Background Check Thoroughly
The first thing you need to do is request a copy of the background check and go over it thoroughly. Look for inaccuracies, such as incorrect addresses, criminal records, employment history, or other information that doesn’t align with your personal history. This is an important step because identifying exactly what’s wrong will guide your next actions.
2. Identify the Source of the Error
Once you’ve pinpointed the inaccuracies, it’s important to identify the source. Background checks are typically compiled from a mix of public records, credit agencies, and private databases. Errors could come from outdated information, mistaken identity (particularly if you have a common name), or clerical errors in data entry. Figuring out where the mistake originated will help you determine how to proceed.
If the error is related to credit history or financial information, it may have originated from a credit reporting agency like ours. Credit reporting agencies compile data from various sources, including lenders, public records, and financial institutions. Errors can happen if outdated information is reported, or if someone else’s data is mistakenly included in your file. Identifying whether the error is a result of incorrect financial data is crucial in determining the appropriate steps to take.
3. Contact the Reporting Agency
If you’ve identified errors, your next step should be contacting the reporting agency that conducted the background check. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute incorrect information. Most background check companies have dispute processes in place. Provide them with a detailed explanation of the errors and any supporting documentation to prove the inaccuracies.
If the incorrect information originated from us, you can contact us directly to initiate a dispute. Our team is dedicated to ensuring that all information reported is accurate, and we will work with you to resolve any discrepancies as quickly as possible.
4. Dispute the Errors with Evidence
When disputing incorrect information, the more evidence you can provide, the better. Gather relevant documents—like pay stubs, court records, or a letter from a previous employer—to prove that the reported information is wrong. Clear and concise communication can make the dispute process go much more smoothly.
If the error involves credit information, provide supporting financial documents, such as bank statements or credit card records, to substantiate your claim. The more specific and detailed your evidence, the easier it will be for the reporting agency to correct the mistake.
5. Follow Up with Employers or Landlords
If an incorrect background check has affected a job or rental application, make sure to follow up with the employer or landlord. Let them know that you’ve disputed the incorrect information and provide them with updates as the process unfolds. Showing that you are proactive in fixing errors demonstrates your honesty and dedication.
6. Enlist Professional Help
If the dispute process is overwhelming, or if you’re not getting results, it might be time to enlist professional help. A private investigator can assist with verifying information, navigating public records, and providing supporting documentation for disputes. We can help ensure that the information about you is accurate and up-to-date.
7. Monitor Your Reports Regularly
Finally, remember that errors on background checks can reappear. It’s a good idea to monitor your background check reports periodically to ensure that no new errors crop up. You can request a free copy of your background report from agencies once a year, and keeping an eye on this can prevent future headaches.
As a credit reporting agency, we offer annual credit report checks to help you stay informed. Regular monitoring of your reports can help you catch errors early, ensuring they don’t have a negative impact on your future opportunities.
Final Thoughts
Dealing with incorrect information on a background check can be frustrating, but it’s important to stay calm and methodical. Review, dispute, and follow up—these steps will help you take control of your personal information. If you need additional help or don’t know where to start, we specialize in background check and credit reporting services and can work with you to resolve inaccuracies quickly and efficiently.
