Accurate Background Check Dispute: Fix Errors and Protect Your Rights
If your Accurate background check report contains incorrect, outdated, or incomplete information, you may have the right to file an Accurate dispute under federal law.
Under the Fair Credit Reporting Act, consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy and properly investigate disputes. If errors are not corrected after an Accurate background check dispute, additional legal options may be available.
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Common Accurate Background Check Errors
Mixed File Errors
An Accurate background check report may sometimes include criminal records or case information that belongs to someone else. These mixed file errors can occur when similar names, dates of birth, or identifiers are incorrectly matched, leading to inaccurate reporting.
Outdated or Expunged Records
Some reports may include outdated charges, dismissed cases, or records that should no longer appear under federal or state law. Reporting expunged or legally restricted information can negatively impact employment decisions and may require an Accurate dispute to correct.
Incorrect Case Dispositions
A case may be reported as pending or unresolved when it was dismissed or resolved in your favor. Inaccurate dispositions can create a misleading record and may need to be addressed through an Accurate background check dispute.
Incorrect Personal Identifiers
Errors involving names, dates of birth, or other identifying information can cause inaccurate records to appear in your report. Even minor discrepancies can lead to serious background check errors.
If your Accurate background check contains inaccurate information, you have the right to dispute the errors under federal law.
How to Dispute an Accurate Background Check
Request and Review Your Accurate Report
Obtain a copy of your Accurate background check report and review it carefully. Look for incorrect criminal records, mixed files, outdated charges, or inaccurate personal information that may require correction.
Submit an Accurate Dispute
If you identify errors, you have the right to file an Accurate dispute under the Fair Credit Reporting Act. Clearly describe the inaccurate information and provide any supporting documentation that may help verify the correction.
Investigation by Accurate
After receiving your Accurate background check dispute, the company must conduct a reasonable investigation. They are required to review the disputed information and verify its accuracy with the source of the data.
Review the Results and Evaluate Next Steps
If the errors are corrected, you should receive an updated report. If inaccurate information remains or the investigation was not properly conducted, additional legal rights may apply under federal law.
If your Accurate background check dispute was denied or not properly investigated, you may have additional legal options available under the Fair Credit Reporting Act.
Get Legal Help With Your Accurate Dispute
A Consumer Resource Provided by Consumer Attorneys, PLLC
This consumer resource is provided by Consumer Attorneys, PLLC, one of the largest consumer reporting law firms in the United States.
We focus on helping consumers address inaccurate reporting in background checks, including handling Accurate background check disputes. Our team understands the legal requirements imposed on consumer reporting agencies under the Fair Credit Reporting Act and works to ensure those standards are properly followed.
When individuals are affected by incorrect criminal records, mixed files, outdated information, or improperly handled disputes, it can impact employment opportunities and professional reputation. We provide structured review and guidance so consumers understand their rights and available options.
Our approach is thorough, individualized, and grounded in federal consumer protection law.
Compensation and Legal Rights in an Accurate Background Check Dispute
If inaccurate information in your Accurate background check caused you to lose employment opportunities or suffer other harm, federal law may provide financial remedies. Under the Fair Credit Reporting Act, consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy under 15 U.S.C. § 1681e(b) and must properly investigate disputes under 15 U.S.C. § 1681i.
When reporting errors are not corrected or disputes are not reasonably investigated, consumers may be entitled to recover damages. Potential compensation can include lost wages, compensation for emotional distress, statutory damages in certain cases, and recovery of attorney's fees. Each case depends on its specific facts and circumstances.
What You Should Know About Accurate Background Check Errors
Expunged or Sealed Records Should Not Be Reported
Expunged or sealed records that are legally restricted from disclosure should not appear in a background check report. Reporting such information may indicate a failure to maintain reasonable procedures to ensure maximum possible accuracy under 15 U.S.C. § 1681e(b).
Dismissed or Non-Conviction Records Must Be Accurate
Dismissed charges or non-conviction records must be reported accurately and in compliance with federal and state law. Misstating the outcome of a case or presenting incomplete information can create a misleading impression and may require correction through an Accurate dispute.
Disputes Must Be Investigated Within 30 Days
Under 15 U.S.C. § 1681i, consumer reporting agencies generally must complete a reasonable reinvestigation within 30 days of receiving a dispute. A superficial review or automatic confirmation of data may not satisfy federal requirements.
Maximum Possible Accuracy Is Required by Law
The Fair Credit Reporting Act requires reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy under 15 U.S.C. § 1681e(b). Mixed files, incorrect case dispositions, and inaccurate personal identifiers may indicate a failure to comply with this standard.
Helpful Consumer Resources for Accurate Background Check Disputes
Accurate — File a Dispute
Official Accurate page where consumers can submit a dispute regarding incorrect background check information.
Accurate — File a Compliance Dispute
Accurate’s compliance dispute page for individuals who believe reporting or procedures may not comply with federal requirements.
Fair Credit Reporting Act — 15 U.S.C. § 1681
The full federal statute governing consumer reporting agencies, background checks, consumer rights, and dispute procedures.
15 U.S.C. § 1681i — Dispute and Reinvestigation Requirements
Federal law outlining how consumer reporting agencies must investigate disputes and correct inaccurate information.
These resources are provided for general informational purposes and do not constitute legal advice.
Contact Us About Your Accurate Background Check Dispute
Have you been impacted by an Accurate background check error? Contact us today for a free case review.
If your Accurate background check contains incorrect, outdated, or incomplete information, you may have the right to dispute it under federal law. This consumer resource is provided by Consumer Attorneys, PLLC, one of the largest consumer reporting law firms in the United States.
Our team can review your situation and help you understand your rights and next steps.
No upfront legal fees required. All inquiries are confidential.
Free Accurate Dispute Case Review
Find out how to dispute your Accurate background check.
The information provided on this website is for general informational purposes only and does not constitute legal advice. This website is a consumer resource provided by Consumer Attorneys, PLLC. Submission of a contact form, phone call, or email does not create an attorney-client relationship. An attorney-client relationship is formed only after a written agreement is signed. Results may vary depending on the specific facts of each case. Prior results do not guarantee a similar outcome.