Product: Credit reporting or other personal consumer reports

Overview : I am filing this complaint against Checkr , Inc. for violating the Fair Credit Reporting Act ( FCRA ) by providing an inaccurate background report that falsely associated me with criminal charges that do not belong to me. Despite multiple disputes, official documentation proving the error, and my direct efforts to rectify the mistake, Checkr delayed correction, misrepresented facts, and engaged in retaliatory actions that harmed my employment, financial stability, emotional wellbeing, and reputation. Additionally, I have serious concerns that Checkr 's bad-faith tactics, stalling, and failure to follow proper dispute resolution procedures may be part of a broader pattern that disproportionately impacts rideshare driversmany of whom are XXXX XXXX, and financially disadvantaged. 

Timeline of Checkrs Violations On XX/XX/year>, Checkr generated a false background report that incorrectly associated me with criminal charges from XXXX XXXX, PA. 
On the same day, I immediately disputed the report, providing proof that I had no connection to these charges. Checkr initially refused to correct it, falsely claiming the records were accurate. 
On XX/XX/year>, Checkr confirmed through my efforts driving to multiple government agencies to collect evidence that the real individual associated with these charges was incarcerated and fingerprinted, and could not possibly be me. Despite this, they failed to take immediate corrective action. 
On XX/XX/year>, I submitted a demand letter to Checkr, including official proof from the XXXX XXXX XXXX XXXX XXXX confirming that the charges did not belong to me. 
On XX/XX/year>, Checkr updated my background report and claimed that XXXX had received the corrected report. However, XXXX later confirmed they never received an update, and my old, inaccurate criminal record was still associated with my account. 
After XX/XX/year>, instead of addressing this error properly, Checkr initiated a XXXX XXXX XXXX ( XXXX ) check, which had never been requested before and was not flagged during my initial screening. 
On XX/XX/year>, XXXX confirmed in writing that XXXX XXXX this XXXX check, contradicting Checkrs earlier claims. 
On XX/XX/year>, after multiple delays, Checkr finally completed the unnecessary XXXX check, which came back clear. XXXX immediately reactivated my account, proving the check was unnecessary and retaliatory. 

Checkrs Contradictions and Compliance Failures Failure to Conduct a Proper Reinvestigation ( FCRA Violation 15 U.S.C. 1681i, 1681e ( b ) ) : Despite my dispute, Checkr failed to verify information before issuing a damaging report.

They only corrected it after I provided external proofa burden that should not have fallen on me.

False Justification for Report Correction : Checkr initially claimed they corrected my report due to an internal quality assurance process. However, their attorney later admitted that the correction was made only after receiving my legal evidence. These contradictory explanations indicate that Checkr acted in bad faith. 
Retaliatory XXXX XXXX XXXX  ( XXXX ) Check ( Potential FCRA Violation and Unlawful Retaliation ) : Checkr ran an XXXX check only after I proved their mistake. 
XXXX confirmed that Checkrnot XXXX this unnecessary check. 
This delayed my reactivation and further harmed my ability to work. 
The timing suggests this was a retaliatory action for asserting my FCRA rights. 

Failure to Provide Corrected Reports to XXXX in a Timely Manner : Checkr claimed they sent my corrected background report to XXXX, but XXXX never received it. This delayed my ability to resume work and resulted in significant lost wages. 

Emotional, Financial, and Reputational Harm : Due to Checkrs actions, I suffered severe emotional distress, including anxiety, sleepless nights, and psychological harm.I incurred lost wages and financial hardship. 
My professional reputation was damaged. As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I missed XXXX XXXX  with XXXX XXXX including the XXXX XXXX XXXX XXXX XXXX. As the student liason to XXXX XXXX XXXX XXXX XXXX, I missed the Trustees Preparation Meeting, due to XXXX XXXX  - Medical records document this. 
My mother suffered a serious health crisis, including XXXX XXXX XXXX, due to the extreme stress from this situation, as I am her sole provider. 

Concern Over Systemic Discrimination and Pattern of Abuse In addition to my case, I am concerned that Checkr 's bad-faith dispute handling, stalling tactics, and failure to follow FCRA-mandated reinvestigation processes may be part of a broader pattern that disproportionately harms XXXX drivers. Many rideshare drivers, particularly in XXXX, are XXXX, XXXX or financially disadvantaged. I have seen some complaints on XXXX and other forums from drivers experiencing similar delays, inaccurate background checks, and retaliatory actions from Checkr after disputes. These patterns suggest that Checkrs flawed background check system disproportionately harms vulnerable workers, leaving them without income while they fight to clear their names.

Request for Review I am requesting that the CFPB review Checkrs internal dispute resolution process to determine whether their stalling tactics, misrepresentations, and failure to comply with the FCRA are disproportionately affecting certain groups of workers.

Given Checkrs bad-faith handling of my case, I believe this may not be an isolated incident.