File a Dispute


It’s frustrating when your information isn’t what you think it is. We’re here to help you understand the information in your records. If there are specific concerns about your files and data reports, they will be thoroughly investigated and resolved within 30 days.


Verisys takes pride in our data collection, scientific verification processes, and data security measures. We’re committed to correcting any data or mismatched records as quickly as possible to ensure the integrity of our records.

Here are some common reasons for filing a dispute:

  • The record found is not your record.
  • The record found is not the final version of this record.
  • The record found has been expunged (sealed).

If you’d like to learn more, read about your Rights under the Fair Credit Reporting Act (FCRA).

Follow this quick and painless online process to get things started immediately. Once you hit the SUBMIT button, we’ll leap into action and are bound by Fair Credit Reporting Act (FCRA) Regulations to resolve the issue in 30 calendar days.

Here is a short summary of our process.


We start by carefully reviewing for a possible process error. Then we contact the reporting primary source. Then one of three things will take place:

  1. If the reporting primary source determines it published the record incorrectly, Verisys will remove or update the record.
  2. If the reporting primary source confirms the record is accurate, we will provide you with the contact information of the reporting primary source so you can resolve the issue directly.
  3. If the reporting primary source is unable to confirm the accuracy within 30 days, we will deactivate the record from the dataset.

Then, you will receive an investigation report with all the details of the investigation and the final determination.

By completing and submitting this form, you are requesting that the item(s) identified be removed or updated to correct the information. To assure correct identity matching, personally identifiable information (PII) is required. We practice the highest level of data security as a certified entity by ISO 27001 for Information Security Management.

Please describe and upload disputed items below. List each item disputed by the name of the source and what is inaccurate or incomplete. Provide as much information as possible so we can get right into action. When uploading the documents in dispute, you may take a screenshot from your computer, take a photo with your phone, or submit a file you requested. Our system accepts JPGs, PNGs, or PDFs.

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Disputes Form

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(From the Consumer Financial Protection Bureau)

Para información en español, visite o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or 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.
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
o A person has taken adverse action against you because of information in your credit report;

  • You are the victim of identity theft and place a fraud alert in your file;
  • Your file contains inaccurate information as a result of fraud;
  • You are on public assistance;
  • You are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See for additional information.

You have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer for an explanation of dispute procedures.
reporting agency, the agency must investigate unless your dispute is frivolous. See for an explanation of dispute procedures.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old or bankruptcies that are more than 10 years old.
Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need –usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to
You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
The following FCRA right applies with respect to nationwide consumer reporting agencies:


You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.

As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active-duty military personnel have additional rights. For more information, visit
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General.