Please see the information below to assist you with any questions or concerns that you may have.  Do not hesitate to contact us if you are in need of further clarification or assistance. Contact Us information is at the bottom of the page.

File a Dispute

In accordance with the federal Fair Credit Reporting Act (FCRA), EBI will conduct a reasonable reinvestigation upon the request of any individual who disputes the information contained in their consumer background report, free of charge.

Please read the following instructions for more information.  You can fill out a form and return to EBI if you choose to file a dispute, or you can contact our Customer Care team directly. They can be reached via telephone at 1 (800) 324-7700, e-mail at or fax at (410) 998-7976.

Click here for the Consumer Disputes & Reinvestigations Instructions and Form

Click here for the Consumer Disputes & Reinvestigations Instructions and Form for Claims of Fraud and Identity Theft

 Free Annual File Disclosure

In accordance with the Free Annual File Disclosure Rule (16 C.F.R. Part 610), you may request a free annual file disclosure from EBI if we have conducted a background check on you.

For more information or instructions, or to request a free file disclosure, you can fill out the form below and return to EBI, or you can contact our Customer Care team directly. They can be reached via telephone at 1 (800) 324-7700, e-mail at, or fax at (410) 998-7976.

Please understand that EBI does not maintain a universal database of consumer credit reports, and we only provide individual consumer reports at the request of our client(s) after your authorization has been obtained. If you have not previously submitted an application to our client and authorized a background report, we will not have your individual consumer report on file. Also be advised that the consumer file we provide to you was provided at the time of your application and may not depict the most current information. 

Please note that all copies of these reports will be delivered by mail only. To preserve the confidentiality of your personal information, a copy of your current driver license or recent utility bill must be provided in order for EBI to send correspondence to an alternate or new address. 

Click here for the Free Annual File Disclosure Instructions and Form

 FACT Act Notice

The Fair and Accurate Credit Transactions Act (FACT Act) amended the Fair Credit Reporting Act (FCRA) in 2003 and entitles a consumer a free copy of their credit report from the three national credit bureaus (Equifax, Experian, and TransUnion) once every twelve month period. is the authorized source for these annual credit reports, and you can request your free report online at, by calling them at (1) 877-322-8228, or by downloading and submitting the Annual Credit Report Request form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. 

“Red Flags Rule” Identity Theft Prevention Program

Effective January 1, 2011, Employment Background Investigations, Inc. (EBI) complies with the “Red Flags Rule” in the Fair and Accurate Credit Transactions (FACT) Act of 2003. The Red Flags Rule requires many businesses and organizations to implement a written Identity Theft Prevention Program designed to detect the warning signs — or "red flags" — of identity theft in their day-to-day operations.

The “Red Flags Rule” applies to "financial institutions" and "creditors," and it is our understanding that consumer reporting agencies (CRA) such as EBI are considered “creditors” if they regularly participate in the decision to extend, renew, or continue credit to other businesses for services rendered. Generally, most businesses and organizations that provide products and services to their customers and then bill them later are covered by the “Red Flags Rule.

EBI has conducted an internal evaluation and implemented a formal written policy to detect the warning signs – or “red flags” – of identity theft. This Identity Theft Prevention Program has been approved by the EBI Board of Directors and consists of four primary components:

  • Policies and procedures to identify patterns or activities that commonly indicate identity theft including suspicious documents, inconsistent identifying information, and abnormal account activity
  • Stringent on-site inspection due diligence, client on-boarding, and auditing procedures designed to detect signs of fraud pertaining to both new and existing accounts
  • EBI staff has been supplied with a listing of appropriate actions to take when a red flag may have been detected including internal investigation, changing user passwords, suspending or closing the account, or contacting law enforcement
  • An annual assessment will be completed by the Regulatory & Compliance department at the end of each calendar year

This annual assessment will consider previous identity theft incidents, emerging identity theft threats, new legislative provisions, and evolving business requirements. This report will be presented to the EBI Board of the Directors for review, and EBI’s Identity Theft Prevention Program will be updated and redistributed accordingly. 

To learn more about Fighting Fraud with the Red Flags Rule, please visit the FTC website.

Consumer Resources

 A Summary of Your Rights Under the Fair Credit Reporting Act

Employment Background Checks

Background Checks: What Job Applicants and Employees Should Know

Statement of Rights for Identity Theft Victims

Fair Credit Reporting Act (15 U.S.C. § 1681)

Contact Us

Employment Background Investigations (EBI), Inc.
PO Box 629
Owings Mills, MD 21117
Telephone: 1 (800) 324-7700

Fax: (410) 998-7976