How To Dispute A Report

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Screening Report Dispute Process

If consumers are the subject of a consumer report prepared by BackgroundPro and find incorrect or incomplete information, they have the right under the federal Fair Credit Reporting Act (FCRA) to dispute that report. A Consumer Reporting Agency (CRA) has the legal obligation to investigate your concerns.  At BackgroundPro, accuracy is our top priority. Consumers may contact BackgroundPro by calling Toll Free 888-502-7668 and asking to speak with a Dispute Resolution Specialist. Consumers may also Submit A Ticket.

Upon receipt of a consumer dispute, Background Pro has thirty (30) days to conduct a reinvestigation of the information disputed and to record the current status of the information on file or, in some instances, delete the information from a file. BackgroundPro will provide consumers with notice of the results of a reinvestigation no later than five (5) business days after the completion of the reinvestigation. This notice will be provided by mail. If a reinvestigation does not resolve the dispute as wished, a consumer may submit a brief statement setting forth the nature of the dispute and BackgroundPro will insert this statement into that consumer’s file. It will appear in any future report we issue that contains the disputed information.

For additional information, consumers may a view a copy of the document ‘A Summary of Your Rights Under the Fair Credit Reporting Act’ from the Consumer Financial Protection Bureau (CFPB) that outlines a consumer’s rights with background checks or visit the “Learn More” page on the CFPB website at http://www.consumerfinance.gov/learnmore/.  Consumers may also have separate rights under state law depending on where they reside. Information on states regulations can be found at the agency that regulates Consumer Reporting in the state.

 

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