I’m 30F and I’ve been job hunting for about two months after a layoff. I finally got to the finish line with a company I actually liked, did 3 rounds, references, the whole thing. HR calls me sounding weirdly formal and says my offer is “on hold” because their background check vendor flagged a bankruptcy on my record. I literally laughed at first, because I have never even been to court for anything, I’ve never filed bankruptcy, nothing. I asked for the report and they sent a PDF that has my name, a previous address from like 6 years ago, and then a bankruptcy case number in a state I have never lived in. The date is from 2021, which is also the year I was working full time and paying my student loan like normal. I pulled my credit reports that night and one of them has a public record note that looks like it belongs to this case, the other two don’t. I called the background check company and they basically read me a script and said I have to “dispute in writing” and it can take up to 30 days. Meanwhile the employer told me they can’t move forward until it’s resolved, and I’m panicking because this is now the second time something similar happened, a recruiter last month vaguely said my report came back “concerning” and then ghosted me. I feel stupid for not checking sooner, but I didnt even know a random bankruptcy could attach itself to me like that. I’m not trying to sue anyone, I just need to fix it fast and stop losing offers. What’s the smartest order of operations here, do I dispute with the background check vendor first, or the credit bureaus first, or the court first? Is there some way to prove I’m not that person beyond sending my ID and praying, like do I need to freeze credit or file something official for identity theft even if my accounts look fine right now? I’m spiraling a bit because every day matters and I can’t afford to keep restarting interviews over a mistake that isn’t even mine.

    Background check says I have a bankruptcy I never filed and it’s nuking my job search, what do I do now?
    byu/meridian_skein inpersonalfinance



    Posted by meridian_skein

    4 Comments

    1. Funny_Associate7196 on

      sounds like identity theft tbh, id file a police report and dispute with all three credit bureaus simultaneously rather than waiting on the background check company to maybe do something in a month

    2. Bky cases are public records. Get a copy of the first page of the petition, and perhaps the order of discharge showing the case number reported as your on your credit report which should presumably not match your name. Then I might suggest a letter to all three of the credit reporting agencies with the accompanying documentation with a demand that they correct your credit report.

    3. jackalopeswild on

      Find an attorney with a Pacer account to look up the filings. Any attorney who ever does anything in federal court can do it for you. Heck, if you really want to trust me with your name, the case number and an email address, I can do it for you.

      Get the filings, depending on what you find there may be enough there to satisfy the employer that it isn’t you.

      You can DM me if you want to. Or reply here and I’ll message you, sometimes people say they’ve had trouble DMing me.

    4. FYI you can get pacer access yourself and get reports for free as long as the aggregate $ value you pull is less than $30. And then after that you can just pay out of pocket which is well worth it in this situation.

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