Background Report Errors

When going for employment, an apartment to rent, or a condo association to move into, it is quite popular for background reports to be run on the applicant. However, many times, those background reports come in with errors – causing a potential employer to believe the applicant has committed crimes when he or she has no record at all. The Fair Credit Reporting Act governs these reporting agencies. Here are the issues that arise with background reporting agencies:

> Mixed information appearing on your file.

The most common problem we come across is when a person subjected to a background search finds that there is information reported about them that is untrue. Often times, people with common names can find that their information is mixed with another. That may be because the background reporting company may not be using all reasonable procedures to assure maximum accuracy in reporting. Perhaps they are only matching up a first name, last name and date of birth. Regardless, if a reporting agency is giving false information, they may be liable to you for the loss of employment opportunity.

> Investigate into false/inaccurate information.

Just like the credit bureaus, Trans Union, Equifax and Experian, are under an obligation to conduct a reasonable investigation when a consumer disputes he inaccuracy of the credit report, so too must a background reporting bureau. If incorrect information appears on a background report, and the consumer/applicant notifies the reporting bureau of this inaccuracy, the reporting bureau must conduct an investigation, free of charge, into the reporting. The agency must then report back the results, and if the information is removed, offer to send this new report to any person or company that received your incorrect report in the recent past.