You will also receive an explanation of your rights under the law.
Take out a highlighter and identify the inaccurate information by highlighting it. If you want to make a notation, then use a sticky note.
mismatch you with someone who has a similar name report arrests but do not report that no charges were filed reveal information that was sealed or expunged list a single criminal charge multiple times classify misdemeanor offenses as felonies
driving records criminal history military records educational history past employment credit records
Each screening company has its own dispute process. However, each should investigate the mistake promptly. There should be no charge for the reinvestigation. [3] X Research source
your contact and identifying information the information you are disputing the address you want the investigation results sent to
If the background screening company reported the information wrong, then it should fix your report. However, the background screening company might not have made a mistake. Instead, the error could be on your credit report or in public records, such as your criminal history report. In order to fix those errors, you need to lodge a dispute with the credit reporting agency or with the appropriate public agency.
To reach the FTC, visit www. ftc. gov or call 1-877-382-4357.
Your personal information (name, address, date of birth and Social Security Number). The entries which you believe are not accurate. Explain why the information is inaccurate. Your request that the CRA delete or revise the information.
Experian’s National Consumer Assistance Center, P. O. Box 4500, Allen, TX 75013. [7] X Research source Equifax Information Services, LLC, P. O. Box 740256, Atlanta, GA 30374. TransUnion LLC, Consumer Dispute Center, P. O. Box 2000, Chester, PA 19016. [8] X Research source
You can reach Equifax’s online dispute system by visiting its website and clicking the “Credit Report Assistance” tab near the top of the page. Then select “Dispute info on credit report” and provide requested information. You can reach Experian’s online dispute system by visiting its website and then clicking on “Disputes” under the “Consumer Assistance” heading. [9] X Research source You can reach TransUnion’s online dispute system by visiting its website and then clicking on the “Credit Report Assistance” tab, which can be found at the top of the page. [10] X Research source
After being contacted by the CRA, the creditor will investigate and report back. If the creditor made a mistake, then it notifies all national credit reporting agencies. [13] X Trustworthy Source Federal Trade Commission Website with up-to-date information for consumers from the Federal Trade Commisson Go to source At the close of the investigation, the CRA sends you the results of the investigation. It will also send you the names, addresses, and phone numbers of any creditor which reported erroneous information.
You can also pay a fee to have the CRA forward your statement of dispute to anyone who has recently requested a copy of your credit report. [15] X Trustworthy Source Federal Trade Commission Website with up-to-date information for consumers from the Federal Trade Commisson Go to source You should think carefully before adding a statement of dispute. A statement can help if you have a solid reason why you fell behind on credit payments, such as medical problems which consumed all of your time and money. [16] X Research source Some experts recommend that you should never include a statement of dispute since this validates the challenged information. Also, divulging medical problems might make employers and others see you as a bad risk. [17] X Research source
In some states, you may have to contact the court where the criminal information was filed. In this situation, you can find the court’s contact information on the Internet.
the particular record you believe is inaccurate how you want the record corrected your justifications for the correction
If the agency disagrees with you, then you should ask about what steps you should take next. In some states, you might have to petition the Superior Court to have the record changed. [22] X Research source
To find the contact number, you can search on the Internet. The background screening report should state where you were sued. Type the county and state and “courthouse” in order to find the phone number. Call and state that you want to correct erroneous court records. You should have the year of the case (and the case name, if available). Each courthouse will handle the dispute process differently.
