Wrong job or income data on a Truework report?

Who Truework is and who relies on its reports

Truework is an employment and income verification company founded in 2017 and based in San Francisco. The CFPB’s list of consumer reporting companies says Truework collects data to verify employment and income, and that employers using it can verify employment and income for loans, jobs and apartment rentals. Truework’s own site says plainly that it is a consumer reporting agency subject to the Fair Credit Reporting Act, and that it relies on payroll partners that send payroll data through an API-driven network.

In April 2025, HousingWire reported that Checkr, the background check company, was acquiring Truework. In that article, Truework’s CEO said the company serves thousands of customers, including 8 of the 10 largest U.S. mortgage lenders. Truework’s site now identifies the company as Checkr Group, Inc. d.b.a. Truework.

That puts Truework in the middle of big decisions. A mortgage underwriter may rely on a Truework report to decide how much you can borrow. A landlord may use it to apply a rent-to-income rule. An employer may use it to confirm your past jobs. If the report gets your pay or job history wrong, you may be turned down or offered worse terms without knowing why.

Errors that show up on Truework reports

Truework’s data comes from employers and payroll partners, and errors can come in at either end or in the matching step:

• Wrong pay. Income, pay rate or hours reported too low, or overtime and bonuses left out.
• Wrong dates. A current job shown as ended, or start and end dates that are off.
• Missing or extra jobs. An employer you never worked for, or a job you held left out.
• Mixed records. Another person’s payroll records matched to your name or Social Security number.
• Stale income. Old pay data presented as current, which can sink a loan or rental application.
• Wrong title or status. A job title, part-time status or termination that does not match reality.

How to dispute Truework

1. Find out who checked. A lender, landlord or employer that turned you down based on a report should name the company in its adverse action notice. If you are not sure Truework was used, the CFPB suggests asking which reporting company was involved.
2. Request your data. Truework’s consumer reporting compliance page links to a Request Data form for copies of your report, disputes and other requests. Truework says its consumer support team will respond.
3. Mark every error. Note each wrong employer, date, pay figure or title, and what the right information is.
4. File the dispute. Use the same Request Data form to dispute, or write to Truework at One Montgomery Street, Suite 2400, San Francisco, CA 94104, the address on the CFPB’s listing, by a method you can track.
5. Attach proof. Pay stubs, W-2s, offer letters, separation letters and anything else that shows your real dates and pay. Black out all but the last four digits of your Social Security number.
6. Dispute with your employer too. The CFPB advises disputing with both the reporting company and the company that supplied the information.
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)).
8. Keep everything. The denial, the notice, the report, your dispute and every response.

How to contact Truework

• Request Data form (copies and disputes): linked from Truework’s consumer reporting compliance page
• Phone: 833-878-3967 (listed by the CFPB; Truework’s site gives this number for security freezes)
• Mail: Truework, One Montgomery Street, Suite 2400, San Francisco, CA 94104 (CFPB listing)
• CFPB listing: Truework on the CFPB’s consumer reporting companies list

Your rights under the FCRA

• Accuracy (15 U.S.C. § 1681e(b)). Truework must follow reasonable procedures to assure maximum possible accuracy of the employment and income data it reports.
• Reinvestigation (§ 1681i). After a dispute, it must reasonably reinvestigate free of charge, notify the source of the data, and correct or delete information that is inaccurate, incomplete or cannot be verified.
• File disclosure (§ 1681g). You may see all the information in your file, its sources, and who has received it.
• Free report after a denial (§ 1681j). You are entitled to a free copy within 60 days after an adverse action notice.
• Security freeze. Truework’s site says you can request a security freeze by phone.
• 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 Truework?

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 the company did not fix, 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 mortgage, a lost apartment or job offer, 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 a Truework report got your job or income wrong and the company would not correct it, 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 Truework

Can I sue Truework?

Yes, if the facts support a claim. Truework says on its own site that it is a consumer reporting agency subject to 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.

Who owns Truework?

HousingWire reported in April 2025 that Checkr, the background check company, was acquiring Truework. Truework's site now identifies the company as Checkr Group, Inc. d.b.a. Truework. Both companies are based in San Francisco.

How do I get my Truework report?

Truework's consumer reporting compliance page links to a Request Data form for copies, disputes and other requests. The CFPB also lists a phone number, 833-878-3967, and a mailing address in San Francisco.

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: Truework (collects data to verify employment and income; 833-878-3967; One Montgomery Street, Suite 2400, San Francisco, CA 94104)
• Truework: Consumer reporting compliance (consumer reporting agency; Request Data form; security freeze 1-833-878-3967; Checkr Group, Inc. d.b.a. Truework)
• HousingWire (Apr. 17, 2025): Checkr Inc. to acquire employment verification platform Truework

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