Question 1

Can I get a free copy of my background check?

Accepted Answer

Often yes, especially after being denied based on it. You can also request your file from many screening companies directly.

Question 2

Does this apply to tenant screening?

Accepted Answer

Yes. Tenant screening companies are covered by the same federal law.

Question 3

What do I do if a background check has someone else’s record?

Accepted Answer

Get a copy, tell the employer or landlord you’re disputing it, and send a written dispute with proof to the background check company.

Question 4

How long does a background check company have to fix errors?

Accepted Answer

They generally must investigate a dispute within about 30 days and correct or delete inaccurate information.

Question 5

Does an employer have to show me my background check?

Accepted Answer

Before taking adverse action based on it, an employer generally must give you a copy and a summary of your rights.

Question 6

Can I sue a background check company for a mistake?

Accepted Answer

Yes, if they violated the Fair Credit Reporting Act, such as failing to follow reasonable procedures or to investigate disputes.

Question 7

Why do background checks mix people up?

Accepted Answer

Often because records are matched by name without checking birth dates or other identifiers.

Question 8

Where can I complain about a background check company?

Accepted Answer

To the Consumer Financial Protection Bureau (CFPB) and your state attorney general.

Common questions: Background check mistake