Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Accurate Background
State: OR

Complaint narrative:
Statement of Complaint Regarding Accurate Background Check Delays I am filing a complaint against Accurate Background, the background check company contracted by XXXX, for excessive and unjustified delays in completing my background screening. The delay has caused me significant financial hardship and loss of employment opportunities. 

Background and Timeline : XX/XX/year> : My background check was officially submitted to Accurate for employment with XXXX at the XXXX fulfillment center in XXXX, Oregon. 
I have only ever lived in XXXX jurisdictions : City and County of XXXX ( Hawaii ) and XXXX XXXX ( Oregon ). I have passed XXXX background checks within the last 12 months for employment and school purposes. 
Despite this, my background check has now been pending for almost XXXX weeks with no completion. 
Accurate has repeatedly claimed that they are waiting on a manual pull from a government entity in XXXX, XXXX. When I contacted the XXXX XXXX Clerk, phone number XXXX, I was told no request has been received under my name. When I relayed this to Accurate, they claimed that the request may not have included my name and may have been for specific case files. I find this response confusing, misleading, and deeply concerning. How can a background check be conducted for me without using my name? 
I have asked Accurate for transparency and details about what specifically was requested, by whom, and on what date. I have not received a satisfactory response.

Meanwhile, daughter, who submitted her background check application through Accurate for XXXX at the same time and for the same location, had hers completed within XXXX day. We both have only ever lived in the same counties, XXXX and XXXX. 

Harm Caused : I was offered a job by XXXXXXXX XXXX on the background check being completed. Due to the delay, I have already lost XXXX scheduled shifts, and I am on the verge of losing a fourth shift if this is not resolved by XX/XX/year>. 
I gave XXXX weeks notice to my previous employer based on the job offer, because I had no reason to believe my background check would take more than XXXX days, and this delay has put me and my family including my young daughter and XXXX adult daughter in financial distress. I have no other income. 
I believe Accurate Background is either failing to follow proper Fair Credit Reporting Act ( FCRA ) protocols or is stalling on for reasons that are not being disclosed to me. 

My Request : I am requesting that the CFPB investigate Accurate Background for : Delays in reporting Lack of transparency and accountability Possible failure to follow FCRA requirements in obtaining and disclosing consumer information The severe personal and financial harm caused by this delay I am happy to provide names, supporting documentation, emails, and/or call records if needed. 

I hope to have this matter resolved soon

Company response to consumer: Closed with non-monetary relief