How Do I Dispute an Account on My Checkr Report?

When job seekers or gig workers undergo background checks, they may encounter unexpected issues on their Checkr reports. These reports often determine hiring eligibility and can significantly impact employment opportunities. But what happens when you find an error? Disputing an account on your Checkr report is a critical step to ensure your record is accurate and fair. Continue reading and reach out to Lyngklip & Associates to learn more about how you can dispute an account on your Checkr report.

What Is a Checkr Report and Why Does Accuracy Matter?

Checkr is a background check platform commonly used by employers to vet job candidates. It provides detailed information, including criminal history, driving records, and other public records, depending on the job’s requirements. Because these reports directly influence hiring decisions, any inaccuracies can unfairly hinder your job prospects.

Errors on a Checkr report can arise from outdated records, identity confusion, or clerical mistakes. For example, you might find an old traffic ticket listed as unresolved even though you paid it years ago. Ensuring your Checkr report is accurate isn’t just about landing the job—it’s about maintaining a clean professional reputation.

How Do You Initiate a Dispute for Errors on Your Checkr Report?

The first step in disputing an account or entry on your Checkr report is to obtain a copy of the report. You are entitled to view it under the Fair Credit Reporting Act (FCRA), which also protects your right to dispute inaccuracies. To review your Checkr report:

• Log into Your Checkr Portal: Employers often provide you with a link to access your Checkr account. Use this portal to view the report tied to your application.
• Identify Errors: Carefully go through each section of your report. Highlight any incorrect or outdated information, such as resolved cases listed as active or records that do not belong to you.
• Gather Supporting Evidence: Collect documentation that proves the information is wrong. This could include court records, payment receipts, or a letter from your attorney.

Once you’ve identified errors, the dispute process begins:

• Submit Your Dispute Through Checkr: Checkr provides an online dispute form to streamline the process. Log into your account, locate the “Dispute” section, and fill out the required fields. Attach any supporting documents to substantiate your claim.
• Wait for Investigation: After submitting the dispute, Checkr is legally obligated under the FCRA to investigate your claim. They will contact the data source (e.g., a courthouse or DMV) to verify the accuracy of the disputed information.
• Receive Updates and Final Resolution: Checkr typically updates you throughout the investigation. Once complete, they will provide a revised report or confirm that the original information was accurate.

What Are Your Rights If the Dispute Is Unresolved?

Sometimes, errors may persist even after a dispute. If Checkr fails to correct a mistake, you have additional options to assert your rights:

• Request a Statement of Dispute: Under the FCRA, you can add a statement to your report explaining the issue. This ensures future employers are aware of the contested information.
• File a Complaint with the Consumer Financial Protection Bureau (CFPB): If you believe Checkr has violated your rights, report the issue to the CFPB. They oversee consumer reporting agencies and can assist in resolving disputes.
• Seek Legal Assistance: When disputes escalate, consulting a lawyer may be necessary. Attorneys specializing in FCRA violations can help you file lawsuits to recover damages if errors on your report result in lost employment opportunities.

Why Is It Important to Act Quickly?

Disputing an account on your Checkr report can take time, especially when awaiting third-party responses during the investigation. Acting promptly ensures that corrections are made before potential employers review your background check. It also demonstrates your diligence in resolving inaccuracies, which could positively influence an employer’s perception of your reliability.

Errors on Checkr reports are not uncommon, but the dispute process is straightforward and supported by federal law. By taking the appropriate steps, you can safeguard your employment opportunities and ensure your record reflects your true history.

If you have further questions about how to best dispute an account on your Checkr report, please don’t hesitate to contact Lyngklip & Associates today.