Infomart Inc. is an American company specializing in conducting background checks for employers, creditors, and other organizations. The company provides background checks, credit reports, and other types of screening services, which include:
- Providing credit reports
- Verifying past employment
- Checking for criminal records
- Verifying education and professional certificates
Key Facts about Infomart Inc.:
- The company has been in the data screening market for over 30 years.
- It operates across the United States, providing services to employers, creditors, and other organizations.
- Offers various types of Infomart background checks tailored to specific client needs.
Types of Background Checks: Infomart Background Check and Others
Infomart background check is a comprehensive screening service that includes:
- Credit Report: Provides information on the candidate’s credit history and current financial situation.
- Criminal Record Check: Identifies any criminal history at federal, state, and local levels.
- Employment Verification: Confirms the candidate’s previous job history as provided.
- Education and Professional Certificates: Verifies the authenticity of educational and professional certification documents.
- Social Media: Analyzes the candidate’s social media activity to identify potential risks.
Infomart Background Check Time: Completion Periods
The completion time for background checks depends on several factors, such as the volume of requested data, the complexity of the check, and the availability of information. Approximate timelines include:
- Credit Report: 1-2 days
- Criminal Record Check: 3-5 days (may take longer if data needs to be requested from various jurisdictions)
- Employment Verification: 5-7 days
- Education and Professional Certificates: 2-3 days
- Social Media: 1-2 days
Therefore, a comprehensive Infomart background check can take 7 to 14 days to complete.
Background Check Status Options: Infomart Background Check Status
Infomart Inc. provides clients with the ability to monitor the status of their checks in real time. Using the online system, clients can:
- See the current status of each check
- Receive notifications when individual screening stages are complete
- Request additional information or corrections
Key Statuses of Infomart Background Check Status:
- In Progress: The check is actively being conducted.
- Pending Information: Additional information is required from the candidate or client.
- Completed: The check is complete, and results are available for review.
- Cancelled: The check has been cancelled by client request or due to a lack of information.
Error Statistics in Credit Reports
Prevalence of Errors in Reports According to the Federal Trade Commission (FTC)
Errors in credit reports are quite common and can have serious consequences for a person’s financial well-being. According to a 2012 Federal Trade Commission (FTC) study, 1 in 5 consumers found an error in their credit report that could affect their credit score. Specific data:
- 21% of consumers found an error in their credit reports.
- 5% of consumers found an error that could result in loan rejection or higher interest rates.
- Of the 101 background check contracts analyzed by CFPB in 2023, 45% contained erroneous data.
Most Common Types of Errors
Credit report errors fall into several categories:
- Identification Errors: Incorrect spelling of names, addresses, birth dates, or social security numbers.
- Payment Errors: Incorrect information about loan payments and amounts.
- Account Status Errors: Incorrectly reported account status (e.g., open instead of closed).
- Account Information Errors: Incorrect balance information on credit cards or loans.
- Employer Information Errors: Incorrect data about current or previous employers.
Common Types of Errors in Credit Reports
| Type of Error | Percentage of Cases (FTC Data) |
| False Account Info | 26% |
| Identification Errors | 20% |
| Payment Errors | 15% |
| Account Status Errors | 13% |
| Employer Information | 10% |
| Bankruptcy Information | 7% |
| Others | 9% |
Consequences of Errors in Credit Reports
Errors in credit reports can significantly impact credit scores and the ability to obtain loans or employment:
- Increased Interest Rates: Even small errors can lead to higher interest rates on loans and mortgages.
- Loan Rejection: Some errors, such as false information about delinquencies, can result in loan rejection.
- Employment Issues: Employers may refuse to hire if they find negative information in a background check.
- Stress and Time Loss: Correcting errors requires significant time investment and causes stress.
Infomart Background Check Procedure
Obtaining Results: Infomart Background Check Results
Once the screening is complete, clients have access to results, which include:
- Credit Report: Contains credit score, current account information, debts, and credit history.
- Criminal Record Check: Includes data on criminal history at federal, state, and local levels.
- Employment Verification: Confirms previous work experience and job history provided by the candidate.
- Education and Professional Certificates Verification: Verifies the authenticity of degrees and certificates.
- Social Media: Analyzes candidate behavior on social media for potential risks.
Check results are provided through Infomart Inc.’s online system and are accessible to clients at any time. If necessary, clients can request additional explanations or corrections.
How to Correct Errors Yourself
Correcting errors in an Infomart background check requires a careful approach and following several steps. Below is a detailed step-by-step guide:
Obtain Your Credit Report
Visit the official website www.annualcreditreport.com where you can receive a free credit report once a year from each of the three main credit bureaus: Equifax, Experian, and TransUnion.
You can also request a report directly through Infomart Inc. or the employer conducting the check.
Review the Report for Errors
- Check identification details (name, address, social security number, birth date).
- Ensure the accuracy of account and payment statuses (delinquencies, debts, closed or open accounts).
- Look for unfamiliar credit accounts or debts.
- Verify information about previous employers, education, and professional certificates.
Write a Dispute Letter to Infomart Inc. or Credit Bureau
- In the letter, detail the errors found and provide evidence of the correct information (e.g., bank statements, payment confirmations).
- Attach a copy of the credit report with marked errors.
- Send the letter via registered mail with a return receipt to document the delivery date.
Await Investigation Results and Error Corrections
According to the Fair Credit Reporting Act (FCRA), the credit bureau or Infomart Inc. must investigate and correct errors within 30 days of receiving the letter.
If the information cannot be confirmed, it must be removed from the report.
Recheck the Report After Receiving Correction Notification
After the investigation, the credit bureau or Infomart Inc. should send you an updated report with corrected data. Recheck the report to ensure the accuracy of the information.
Additional Recommendations:
- If the report still contains errors, file a complaint with the Federal Trade Commission (FTC) or Consumer Financial Protection Bureau (CFPB).
- Consider seeking professional legal assistance to challenge incorrect credit report information.
Government Sources and Resources to Solve the Issue
Federal Trade Commission (FTC):
The Federal Trade Commission monitors consumer credit rights compliance. Key features:
- Official Website: www.ftc.gov
- Right to Free Credit Report:
Consumers are entitled to a free credit report once a year from each of the three main credit bureaus through www.annualcreditreport.com.
In case of report errors, the FTC recommends immediately contacting the credit bureau or the reporting company.
Consumer Rights Protection under the Fair Credit Reporting Act (FCRA):
The primary legislative act protecting consumer rights in credit report checks. Key rights include:
- Right to a free credit report in case of dispute.
- Right to correct or remove erroneous information within 30 days.
- Right to be notified if credit is denied due to credit report data.
The full text of the FCRA is available on the FTC website: https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act
Consumer Financial Protection Bureau (CFPB):
The CFPB is an independent agency that protects consumer rights in finance.
- Official Website: www.consumerfinance.gov
- File a Complaint:
Consumers can file a complaint against a credit bureau if their dispute wasn’t satisfactorily resolved.
Complaints are filed through the CFPB’s online portal: https://www.consumerfinance.gov/complaint
Additional Resources:
- Sample Letter for Disputes with Credit Bureaus (FTC):
https://www.consumer.ftc.gov/articles/pdf-0093_sample-letter-disputing-errors-on-credit-report.pdf - Infomart Information:
- Official Website of Infomart Inc background check: www.infomart-usa.com
- Infomart Customer Support: 1-800-283-9629
How RS Attorneys Can Help
| Service | Description |
| Free Consultation | Free Infomart background check results review for errors. |
| Legal Support | Document preparation for official complaints, negotiations with Infomart Inc. and credit bureaus, and court representation. |
| Free Services | Services are paid by the opposing party. |
Benefits of Working with RS Attorneys:
- Experience: Many years of successful work with credit report cases.
- Specialization: Specialization in disputes with credit bureaus and data screening companies.
- Support: Comprehensive support at every stage of dispute resolution.
- Transparency: Clear explanation of each step of the process to clients.
Contact Us
If you find errors in your Infomart background check or credit report, don’t waste time – contact RS Attorneys for a free consultation. We will provide professional help in resolving disputes with Infomart Inc. and credit bureaus, ensure comprehensive support at every stage of the process, and achieve error corrections to restore your financial reputation. Our services are paid by the opposing party!