The most common problem reported with background searches involves mixed files. While this is more likely for people with common names, anyone can find that their information is mixed with another.
The Fair Credit Reporting Act requires credit reporting agencies like Trans Union, Equifax and Experian, use the maximum possible accuracy when reporting credit history and activity. This law also obligates them to conduct a reasonable investigation when a consumer disputes an inaccuracy. 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. 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. If they fail to do so, and ignore your request for review, you may be able to recover your losses.
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