How to Address Discrepancies in a Background Check Report

Common Discrepancies in Background Check Reports

Before diving into the steps to address discrepancies, it’s essential to recognize the errors that may occur in this report. These include incorrect personal information, outdated or incomplete data, and even mistaken credit records. 

These issues can lead to significant consequences, so identifying and understanding them is the first step toward resolution.

Incorrect Personal Information

Errors in your name, address, or date of birth can lead to confusion in your background check report. For example, a similar name might cause someone else’s criminal record to appear on your report.

Outdated Information

Sometimes, background check companies may use old data that doesn’t reflect your current status. It could include previous addresses, old employment records, or outdated legal issues.

Incomplete Records

In some cases, the report might lack key information, such as the dismissal of charges or the completion of probation, which could unfairly influence decisions.

Understanding the Causes of Discrepancies

Discrepancies in a credit report and background check can arise from various sources. Understanding these common causes can help address the issue more effectively.

Human Error

Data entry mistakes commonly cause inaccuracies in reports. These errors can happen at any stage, from the initial information collection to its final presentation in the report.

Data Aggregation Issues

Many reports compile information from multiple sources. If one source has outdated or incorrect data, it can lead to discrepancies in the final report.

Identity Confusion

If you have a common name or share personal details with someone else, your information might get mixed up with theirs.

Inaccurate Data Sources

Some background check reports rely on databases that are not regularly updated. It can result in outdated information being included in your report.

Clerical Mistakes

Simple clerical errors, such as a typo in a Social Security number or a misspelled name, can lead to major issues in a report.

Steps to Address Discrepancies

If you find discrepancies in your report, act quickly to correct them. Here are the steps you should take to address any issues:

1. Obtain a Copy of the Report.

The first step in addressing discrepancies is requesting a copy of your background check reports. You have the right to request a copy from the company that performed the check. Review the report thoroughly, noting any errors or discrepancies you find.

2. Identify and Document the Discrepancies.

Once you have your report, carefully review each section. Highlight any errors, such as incorrect personal information or inaccurate criminal records. Document these discrepancies, including specific details and supporting evidence.

3. Gather Supporting Documentation.

To effectively raise a background check report dispute, gather supporting documentation proving the error. For instance, if it shows a criminal record that doesn’t belong to you, obtain court records or police reports that clarify your status. 

4. Contact the Background Check Company.

After gathering your documentation, contact the company that produced the report. Most companies have a dispute resolution process in place. Be sure to explain the discrepancies clearly and include all supporting documents. 

5. Follow Up Regularly.

Resolving discrepancies in a credit report and background check can take time. So, follow up regularly with relevant agencies. Also, keep track of all correspondence and promptly process your dispute.

7. Request a New Report.

Once the discrepancies have been corrected, request a new copy of your report. Review the updated report carefully to ensure that all errors have been addressed. You can use this updated report to support your job applications, housing, or other opportunities.