You Have the Right to Accurate Background Check Reports

According to the Fair Credit Reporting Act (FCRA), both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your background check report. To protect your rights under the law, contact both the consumer reporting company (background checking company) and the information provider (originator of background check information) to dispute any information. For more information, search for "How to Dispute Credit Report Errors" at ftc.gov/credit.

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. For more information, watch the video below, search for "How to File a Complaint" at ftc.gov/credit, or watch the videos at www.ftc.gov/video.
 

VIDEO | How to File a Complaint with the Federal Trade Commission

TRANSCRIPT | "This is you. You've been ripped-off or you've spotted a scam. Don't keep it to yourself. Take it to the Federal Trade Commission by filing a complaint.  What kind of complaint? The Federal Trade Commission is the nation's consume protection agency. So, if a business doesn't deliver on its promises or if someone cheats you out of your money, the Federal Trade Commission wants to hear about it.

'I bought a phone card with 350 minutes of calling time, but it cut me off after 20.'

'I'm getting bills for things I didn't buy. I think someone stole my identity.'

'The letter said I won a sweepstakes, but I had to wire money to cover the taxes. I did and never heard from them again.'

'I responded to an ad online for a free trial offer, but then I started seeing charges for it every month.'

'I thought the email was from someone who saw my resume and wanted to hire me, but they asked for my bank account number. I reported it to the Federal Trade Commission.'

Telling the Federal Trade Commission helps us stop rip-offs, scams, and fraudsters. Your complaints matter here. To file a complaint just go to ftc.gov/complaint. Click on the link to the Federal Trade Commission complains assistant and answer the questions. Or call 1-877-FTC-HELP. That's all there is to it.

If you've been ripped-off or scammed, complain to the Federal Trade Commission. It can help put the bad guys out of business."