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In this video, consumer protection attorney Bill Clanton discusses how to fail a background check. He highlights that if you fail a background check, you likely received pre-adverse and post-adverse action notices and have the right to dispute any inaccuracies. The primary reason for failing a background check is having a criminal history, such as a fraud charge when applying for a job at a bank. Clanton emphasizes the importance of understanding your rights under the Fair Credit Reporting Act, suggesting that inaccuracies in the reports can lead to a case for consumers. For further details on disputing incorrect information, he indicates that will be covered in another video.