That is not true. There is no halacha saying you have to do a background check when some ani asks you for a couple bucks on the street.
Bava Basra 9a:
??? ?? ???? ?????? ??????? ???? ?????? ????? ?? ???? ???? ??? ??? ???? ???? ???? ??”? ???? ??? ?? ???? ???? ?? ?? ???? ?? ???? ???? ??? ??? ???? ???? ???? ???”? ???? ???? ???? ?? ??? ???? ???? ?? ???? ???? ?????? ?? ???? ????? ??? ????? ??? ?????? ????? ???? ?????? ??????? ?? ???? ???? ???? ??? ???? ???? ??? ?? ???? ???? ???? ??? ?????? ??? ???? ?? ?????? ??? ?? ???? ???? ??? ??? ???? ??? ???? ???? ???? ???? ????? ???????? ???? ???? ?? ???? ???? ?????? ?????? ?? ???? ?????? ??? ????? ??? ????? ?????? ????? ??????? ??? ??????
Shulchan Aruch Yoreh Deiah 251:10:
?? ??? ???? ???????? ??? ?????? ????? ?? ??? ???? ??? ??????? ???? ??? ??? ???? ??? ???? ????? ?????? ????? ?? ??? ???? ??? ?????? ???? ????? ???? ???