Your Rights Under the Fair Credit Reporting Act (FCRA)
Right to Accurate Information
Consumer reporting agencies must ensure the information they report about you is 100% accurate and up to date.
If your background check contains errors - wrong criminal records, outdated debts, or identity mix-ups - you have the right to challenge and correct them.
Right to Be Notified
If someone takes adverse action against you (like denying a job or apartment) because of your background report, they must notify you and provide a copy of the report.
Right to Privacy & Consent
Employers, landlords, and others must get your written permission before running a background or credit check.
You also have the right to know who accessed your report and why.
Right to Dispute Errors
You can file a formal dispute with the background check company to correct inaccuracies.
They are required to investigate and respond within 30 days.
If they fail to fix the problem, you can take legal action.
Right to Sue for Damages
If a background check company or data provider violates your FCRA rights, you may be entitled to financial compensation.
You can recover damages for lost job opportunities, emotional distress, punitive damages and attorney’s fees.
Why This Matters
Background check mistakes ruin lives - but the FCRA exists to protect you. Whether it’s getting a job, finding housing, or building credit, you have rights. And when those rights are violated, we’re here to fight back.
Do you beleive that your consumer rights have been violated?
Contact us and let’s restore the justice!
