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If you got a pre-adverse-action letter, respond inside the window it gives: dispute the wrong entry with the screening company immediately and tell the employer a dispute is underway — investigations move faster when a job hangs on them. If you got nothing, request your free report from the checker named or from the major employment screeners directly, and dispute what's wrong in writing.
Employment checks carry the strongest version of your rights: before rejecting you based on a report, an employer is required to give you a copy of it and a summary of your rights, with a real chance to respond — before the decision is final. Wrong criminal records, other people's cases, and outdated entries end job offers every day, and most applicants never see the report that did it.
The offer vanished after the check, and you were never shown the report — or you were, and the record is wrong, someone else's, or misreported.
To get your free report — send to the screening company named in your denial letter (use the contact route on its official site or in the letter itself):
I was denied [housing / employment / a bank account] on [date] based on a consumer report you supplied. Under the Fair Credit Reporting Act I request my free copy of that report. My name: [full name]. Address: [address]. Date of birth: [DOB]. Please send it to the address above.
To dispute an error — send with copies (never originals) of your evidence:
I dispute the following item in my file: [describe the entry exactly as it appears]. It is inaccurate because [not mine / paid on date / dismissed by the court / wrong amount]. Enclosed: [list documents]. Under the Fair Credit Reporting Act, please investigate and correct or delete this item, and send me the result in writing.
Keep a copy of everything you send, and send by a method you can prove (certified mail or the company's own dispute portal).
Full plain-English walkthrough on our home page.
Reporting time limits exist for many record types (they vary by record and state, and some states are stricter). If an entry is past its limit, that itself is a dispute ground. If it's within limits and accurate, disputes won't remove it — see the honesty note below.
Skipping the required notices is a compliance failure. Document the timeline; the CFPB and FTC both take these complaints.
Disputes fix errors. They don't erase history that's true — accurate records survive investigation. If the record is real, what helps is settling and documenting it, second-chance programs, and time. We built this site for honest people hit by wrong records.
Companies most often behind this situation: firstadvantage · checkr · hireright. Based on FCRA consumer rights as explained in FTC and CFPB guidance, checked August 2026. General information, not legal advice. Free official complaint route: consumerfinance.gov.