1280x1024 is a 5:4 ratio resolution.
Do you have a 16:9 monitor screen?
Whay happens if you switch the reolution to 1280x720?
Aso try this: http://www.nexusmods.com/fallout4/mods/143/?
That mod doesn't fix the text background. I have it activated currently. It's a 5:4 monitor, unfortunately. As for 1280x720, it just cuts off part of the game. It's not a huge issue but it's taking away from the experience.