Frequently Asked Questions

Contact us for a free consultation. We help people who are victims of utility fraud. We have more than two decades of experience helping and representing victims of identity theft and fraud. We file lawsuits on a contingency fee basis so you don’t pay our fees and costs unless you win at trial or receive… [Read More]

The main federal law is the Fair Credit Reporting Act (FCRA), which sets rules for how background checks are conducted, including how consumer reports (such as criminal, credit, and employment history) are handled. 

Provide you with a clear disclosure that explains they are conducting a background check for employment purposes. If they decide not to hire you based on the background check, they must give you a copy of the report and inform you of your rights to dispute any incorrect information. Within 30 days of your dispute… [Read More]

If you discover an error in your background check, you have the right to dispute the accuracy of the report with the consumer reporting agency that provided it. The agency is required to investigate the dispute and correct any inaccuracies within 30 days. If an error in the background check led to a denial of… [Read More]

Wrong Social Security Number (numbers mixed up or wrong digits). Incorrect or incomplete information from original documents. Outdated criminal records that should have been cleared. Mistaken identity, where someone else’s criminal record appears. Crimes committed by others using your identity. Data mix-up, where information from another person shows up in your report.

Contact us for a free consultation. We help people who have errors on their background report. We have more than two decades of experience helping and representing consumers in need of help. We file lawsuits on a contingency fee basis so you don’t pay our fees and costs unless you win at trial or receive… [Read More]

An OFAC alert is a notice on a credit report indicating a potential match between a credit applicant’s information and someone on the U.S. Treasury Department’s Office of Foreign Assets Control (OFAC) sanctions list. OFAC maintains a list of “Specially Designated Nationals,” which includes individuals such as terrorists, drug traffickers, and other serious criminals who… [Read More]

Check the Specially Designated Nationals (SDN) list. If you are not on the list then it’s an error and the credit reporting agency must remove it. If you are on the list but it’s still in error then the credit bureau should remove it.

The Specially Designated Nationals (SDN) list is published by the U.S. Treasury Department’s Office of Foreign Assets Control (OFAC) and includes individuals and companies that are owned, controlled by, or acting on behalf of targeted countries. It also includes entities like terrorists and narcotics traffickers who are designated under non-country-specific programs. Assets belonging to those… [Read More]

Contact us for a free consultation. We help people who have a false OFAC alert on their credit report. We have more than two decades of experience helping and representing people who have errors on their credit reports. We file lawsuits on a contingency fee basis so you don’t pay our fees and costs unless… [Read More]