Wrong job or income data on EmpInfo?

Who EmpInfo is and who relies on its reports

EmpInfo, Inc. runs an automated employment and income verification service from San Jose, California. Its FCRA page describes it as a nationwide specialty consumer reporting agency under the Fair Credit Reporting Act. EmpInfo says it integrates with employers’ HR and payroll systems, so when a verifier asks where you work and what you earn, the answer comes from the data your employer has provided.

The CFPB’s list of consumer reporting companies says EmpInfo verifies and provides employment and income information to employers, lenders, rental housing managers and social benefits processors. EmpInfo’s own site highlights loans funded with its verifications, and its FCRA page says verifiers must be authenticated and state a permissible purpose before they get your data.

That is why an error matters. If EmpInfo’s file says your job ended when it didn’t, or shows lower pay than you earn, a lender may deny or shrink your loan, a landlord may say you don’t meet the income rule, and a benefits office may decide you don’t qualify. You often learn about the problem only after the decision is made.

Errors that show up on EmpInfo reports

EmpInfo passes on what employers’ systems hold, so a mistake in HR or payroll records, or in how those records are matched to you, can end up in a verification:

• Wrong dates. A current job shown as ended, or start and end dates that are off.
• Wrong pay. Income or pay rate reported too low, or the wrong pay frequency.
• Missing or extra jobs. A job left out, or an employer you never worked for listed.
• Mixed files. Another person’s records attached to your name or Social Security number.
• Stale income. Old payroll data presented as current.
• Wrong title or status. A job title, leave status or termination your employer’s system got wrong.

How to dispute EmpInfo

1. Find out who checked. A lender, landlord, employer or agency that turned you down based on a report should name the company in its adverse action notice.
2. Get your report. EmpInfo’s FCRA page says you can log in at empinfo.com or call 800-274-9694 to request your report, and that you get one free report every 12 months. The CFPB listing also links to an employee page on EmpInfo’s site for report requests.
3. Mark every error. Note each wrong date, pay figure, employer or status, and what the right information is.
4. Send a written dispute. Write to EmpInfo, 5900 Silver Creek Valley Road, San Jose, CA 95138, the address on EmpInfo’s site and the CFPB listing, by a method you can track, and call 800-274-9694 to confirm it was received.
5. Ask your employer to correct its records. EmpInfo’s FCRA page tells employees to contact their employer to correct inaccurate information. Do this too, in writing, since the employer is the source.
6. Block access while you dispute. EmpInfo says you can block access to your information during a dispute by logging in online or calling 800-274-9694.
7. Track the 30 days. A consumer reporting agency generally must complete its reinvestigation within 30 days of receiving your dispute (15 U.S.C. § 1681i(a)(1)). A dispute sent to EmpInfo starts that clock even if it also tells you to call your employer.
8. Keep everything. The denial, the notice, the report, your dispute and every response.

How to contact EmpInfo

• Online login and report request: empinfo.com and its FCRA page
• Phone: 800-274-9694 (EmpInfo’s site lists hours of 7 a.m. to 7 p.m. Central, Monday through Friday)
• Mail: EmpInfo, 5900 Silver Creek Valley Road, San Jose, CA 95138
• CFPB listing: EmpInfo, Inc. on the CFPB’s consumer reporting companies list

Your rights under the FCRA

• Accuracy (15 U.S.C. § 1681e(b)). EmpInfo must follow reasonable procedures to assure maximum possible accuracy of the employment and income data it reports.
• Reinvestigation (§ 1681i). After you dispute with EmpInfo, it must reasonably reinvestigate free of charge, notify the employer that furnished the data, and correct or delete information that is inaccurate, incomplete or cannot be verified. Telling you to take it up with your employer does not end that duty.
• File disclosure (§ 1681g). You may see all the information in your file, its sources, and who has received it.
• Free annual disclosure (§ 1681j). Nationwide specialty consumer reporting agencies that report employment history must give you a free disclosure every 12 months on request, and you are entitled to a free copy within 60 days after an adverse action notice.
• Permissible purpose (§ 1681b). Your data may be released only for a purpose the FCRA allows, such as a credit application you made.
• Adverse action notice (§ 1681m). A lender, landlord or employer that turns you down based on a report must name the company and tell you about your right to a free copy and to dispute.

Can you sue EmpInfo?

Yes, when the facts support a claim. The FCRA lets you sue a consumer reporting agency that reports inaccurate information without reasonable procedures to assure accuracy (§ 1681e(b)), or that fails to reasonably reinvestigate after you dispute (§ 1681i). The strongest cases usually involve a dispute with clear proof, such as pay stubs or a W-2, that was not fixed, and a real loss tied to the bad data.

For a negligent violation, you may recover your actual damages, such as a denied or more expensive loan, a lost apartment, lost or delayed benefits, and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n). A lawsuit generally must be filed within two years after you discover the violation and no later than five years after it occurred (§ 1681p).

Get a free case review

If EmpInfo reported the wrong job history or income and it was not corrected, save the denial, the notice, the report and your dispute, and act before the deadline. FCRA Attorneys takes these cases on contingency, so there is no fee unless we win. FCRA Attorneys has offices in Dallas, Houston, Chicago, Los Angeles and Atlanta, and files FCRA cases in federal court nationwide, directly or with local counsel. Contact us for a free case review, or read about our FCRA practice and the other companies we cover.

Questions about suing EmpInfo

Can I sue EmpInfo?

Yes, if the facts support a claim. EmpInfo describes itself as a nationwide specialty consumer reporting agency under the FCRA. If it reports inaccurate employment or income information without reasonable procedures, or fails to reasonably reinvestigate your dispute, you may have a claim.

How do I get my EmpInfo report?

EmpInfo says you can log in at empinfo.com or call 800-274-9694, and that you get one free report every 12 months. The CFPB adds that you generally will not have an EmpInfo report unless a company engaged EmpInfo to create one.

Where does EmpInfo get its data?

From employers. EmpInfo says it integrates with employers' HR and payroll systems, and its FCRA page refers to the information your employer has provided.

What does it cost to bring a case?

There is no fee unless we win. FCRA Attorneys handles these cases on contingency, and the FCRA lets a successful consumer recover reasonable attorney's fees and costs from the company.

Sources

• CFPB consumer reporting companies list: EmpInfo, Inc. (employment and income verification for employers, lenders, rental housing managers and social benefits processors; (800) 274-9694; 5900 Silver Creek Valley Road, San Jose, CA 95138)
• EmpInfo: FCRA page (nationwide specialty consumer reporting agency; free report every 12 months; 800-274-9694; block access during a dispute)
• EmpInfo: home page (integrated with HR and payroll systems; 5900 Silver Creek Valley Road, San Jose, CA 95138; (800) 274-9694)

Updated November 2026. This page is general information, not legal advice.