Disputes | One Source

As the subject of any Consumer Report, you are entitled to one free copy of your report within 60 days of the date the report was ordered, as laid out in the Fair Credit Reporting Act (FCRA).

The Consumer Financial Protection Bureau has prepared “A Summary of Your Rights Under the Fair Credit Reporting Act,” which defines your rights and actions that you can take if you feel there is information in your consumer report that you wish to dispute.

To better assist you with your dispute, we have summarized these below:

Can I know what’s in my background report?

Anyone who utilizes your report to deny your application for insurance, credit, or employment must notify you and provide you with contact information for the agency that provided the information. If you’ve been turned down for employment because of information contained in your consumer report, you have the right to obtain a free copy of it if requested within 60 days of receiving the notice.

What can I dispute on my report?

If you’ve identified information in your report that you believe is inaccurate, incomplete, or unverifiable, you have the right to dispute those findings with us.

How do I OBTAIN A COPY OF my report?

To receive a copy of your report, please select an option below and supply the required information.

To request a full file disclosure, please contact our team via phone or email. A full disclosure includes all components and vendor contact information used to produce the report and is available for two (2) years.

Phone: (800) 608.3645
Email: disputes@onesourcebackground.com

How do I dispute something on my report?

To efficiently process your request, please fill out the appropriate form below. Be as detailed as possible and explain what is incorrect, how it should be read, or what is needed to correct it. Allow two (2) to seven (7) business days for processing, though keep in mind that some may take longer depending on the information in question or the nature of the case.

While having a copy of your report to dispute is not required, one can be requested above.

Mail Your Dispute
Please mail your dispute to:

Verified Credentials Headquarters
One Source The Background Check Company
20890 Kenbridge Court, Suite 2
Lakeville, MN 55044

All disputes must include:
1. Name
2. Date of Birth
3. Last Four Digits of Social Security Number
4. State & Driver License #
5. Your Signature
6. Address where you would like correspondence mailed
7. Applicant ID Number
8. Jurisdiction
9. Case Number or Record Number
10. What is inaccurate or incomplete about the information that is contained in the report
  *Please be as specific as possible to ensure the quickest dispute resolution
Note: Please send copies of any supporting documentation you may have.
Online Dispute Form
Online Human Trafficking Dispute Form

If there is information in your report as a result of human trafficking, you have the right to dispute it. As a Consumer Reporting Agency, we are prohibited from providing adverse information resulting from human trafficking and want to assist you as best we can.

PLEASE NOTE: Once a dispute is received, please allow time for processing. One Source The Background Check Company is sensitive to the fact that many of our disputes keep applicants from starting jobs. That is why we strive to handle all disputes within three business days. Please be aware that some disputes take longer and can take up to 60 days, depending on the circumstances of the dispute.

Once a dispute is completed, One Source will automatically notify our client (the company that ordered the report about you) of the outcome and provide them with an updated version of your consumer report if applicable. If applicable, a new copy will also be mailed to you at the address you provided at the time of the dispute.

APPLICANT DISPUTES

Can I know what’s in my background report?

What can I dispute on my report?

How do I OBTAIN A COPY OF my report?

How do I dispute something on my report?

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