Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: OH

Complaint narrative:
I am a current XXXXXXXX XXXX and have a concern about a possible violation of consumer financial rights and potential conduct that may violate a rule or law over which the CFPB has authority under the FCRA, specifically, a company 's misuse of public record information for employment promotion denial purposes and a credit reporting agency 's refusal to grant consumer access to view their file disclosure, to initiate a dispute to correct inaccuracies ( 15 U.S.C. 1681k ). My hope is you may investigate in pursuit corrective of industry misconduct. 

My understanding is, to wit, a person must be told if information in your file has been used against you. Anyone who uses a consumer report to deny your application for employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information ( FCRA ). Moreover, the FCRA states a person is entitled to a free file disclosure if : a person has taken adverse action against you because of information in your [ consumer ] report. 

Accordingly, I requested a copy of my file disclosure, authorized by me furnishing consent for XXXX, a SterlingCheck company, to conduct a criminal conviction background check for XXXX employment ( promotion ) purposes. I had recently become aware per a XXXX background check transcript of inaccuracies listed as convictions on my report. Subsequently, I had them corrected with the aid of the Attorney Generals office and in accordance with court records reflective of their statuses as dismissals. 

My concern was Id been unreasonably denied in a yearlong protracted manner a promotion Ive been ready for and am thoroughly confident Im capable of fulfilling. The only rational reason, I assumed, was that my supervisor ( s ) had access to records I authorized back on XX/XX/XXXX for XXXX to run a Criminal Conviction Background Check, furnished by XXXX. My understanding was that, under the FCRA, I am annually entitled to a copy of any records ( file disclosure ) that an employer has viewed formative of a bias precluding promotion. 

Thus, on XX/XX/XXXX, I requested to obtain a copy of my background check ( file disclosure ) XXXX has records of, furnished by XXXX, to verify the current accuracy of any records disseminated by them that may potentially and falsely preclude current or future employment opportunities. 

Their succinct reply three days later was to request I provide my full name, date of birth and address I applied with to assist in locating my report, which I promptly did. In response, on XX/XX/XXXX, XXXX ( SterlingCheck ) maintained they are unable to locate a report for me by the information provided, and directed me to call and speak with a live representative. Ergo, I called and was misinformed, again, that they have no report or record of my existence when, indeed, they do consequent of my authorization on XX/XX/XXXX for XXXX to run a Criminal Conviction Background Check, furnished by XXXX. 

The FCRA states a person is entitled to a free file disclosure if : a person has taken adverse action against you because of information in your [ consumer ] report. Yet, XXXX ( SterlingCheck ) has refused me access to my file disclosure, in violation of the FCRA, precluding me to initiate a dispute to delete inaccurate [ and ] unverifiable information in my file. 

In conclusion, if I may request an investigation be done concerning my scenario seeking remedy, corrective of potential industry misconduct on behalf of XXXX ( SterlingCheck ) which unfairly in a protracted manner is denying my prospects of building a life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation