If you believe your background check contains incorrect information—such as an unfamiliar name, an incorrect address, or another person’s information associated with your Social Security number—follow these steps.

All Personal Infomation is retrieved directly from the 3 Major Credit Bureau’s – Experian, TransUnion, and Equifax, which are Consumer Reporting Agencies.

ClearCheck.app IS NOT a Consumer Reporting Agency, we are a Background Search Company focused on criminal background searches for pre-employment screening.

Personal information is retrieved from credit bureaus, the bureau holding the disputed information must investigate its records and make any necessary corrections. ClearCheck.app has NO ACCESS to change or update the information held in the Credit Bureaus’ records.

• Contact ClearCheck.app. Explain which information you believe is incorrect and request dispute instructions. A representative can direct you to (This Page) the appropriate action. Your report may not identify which credit bureau supplied a particular item.

• Review your information with Experian, TransUnion, and Equifax. If the source bureau is unknown, checking all three can help identify where the discrepancy appears. Obtain free credit reports through an online Credit Report Service like AnnualCreditReport.com.

• Dispute the incorrect information with each bureau whose records contain it. Follow that bureau’s official instructions. You typically will need to provide Proof of identity, Proof of Address, and “Up to Five (5) supporting documents”.
  • • Typical Supporting Documents may Include:
    • Utility bill (electric, gas, water, phone, or cable)
    • Bank, credit union, or credit card statement
    • Mortgage statement or a signed rental/lease agreement
    • Insurance policy statement (auto, home, or renters)
    • Official government correspondence (such as tax assessment/bill or voter registration card)
  • Requirements vary by bureau and situation. Submit documents through their official, secure channel and keep copies.

• Notify the hiring agency or employer. If the background check was for pre-employment screening, explain that you are disputing information and ask that the discrepancy be considered before a final hiring decision.

After the investigation, keep the results and contact ClearCheck.app about obtaining an updated background report.

____________________________

Support reference: CC-027

A background check report is like a snapshot of what the court’s records looked like at the time ClearCheck.app conducted the search. It doesn’t update automatically if the court later changes its records, you have to wait until the court system updates their records for it to reflect on a background search report.

Courts update their own records on their own schedule, they have various update schedules, Weekly, Monthly, Quarterly, Bi-Annually or Annually. There is No Standardized Record keeping in the USA Court System, every City (Municipal), County, State or Federal Court System update on their own timetable. Typically more Metropolitan locations update reguraly (but that is not always the case), and more Rural locations update at a much slower pace. If a record was dismissed, reduced, expunged, sealed, or updated in any way after your report was completed, your report may still show the older information even though the record has since changed.

Support reference: CC-029

You have the right to ask nationwide consumer reporting companies (Credit Bureaus) to place a fraud alert in your file if you believe you are, or may become, a victim of identity theft.

A fraud alert requires creditors to take additional identity-verification steps, making it harder for someone to obtain credit in your name. These checks may also delay your own credit applications.

Contact just one of the three nationwide credit bureaus to request a fraud alert. That bureau must notify the other two so they can also place alerts:

• Equifax: 1-800-525-6285 — equifax.com
• Experian: 1-888-397-3742 — experian.com
• TransUnion: 1-800-680-7289 — transunion.com

An initial fraud alert lasts at least one year, unless you request its removal sooner. An extended fraud alert lasts seven years and requires an identity theft report.

The bureau will require appropriate proof of identity, which may include your Social Security number. If your identity has been stolen, visit IdentityTheft.gov to report it, obtain an FTC Identity Theft Report, and receive recovery instructions. Follow the bureau’s requirements for submitting that report and any additional documentation.

Placing a fraud alert does not correct inaccurate information. Submit a separate dispute to each bureau reporting the mistake.

For additional information, visit consumerfinance.gov/learnmore.

Support reference: CC-028