Consumer complaint received 2021-09-29
Company: AppFolio, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FACT : I am XXXX XXXX and Im submitting this complaint myself, as a consumer, and there is no third party involved. 
FACT : APPFOLIO and XXXX XXXX do not have a written contract to conduct business yet APPFOLIO has several internal consumer profiles containing personal and private consumer information alleged to belong to XXXX XXXX. 
FACT : APPFOLIO is a consumer reporting agency per Federal law 15 USC 1681a ( f ) and has been willingly and maliciously reporting false and private consumer information. 
FACT : I have reason to believe that this organization, APPFOLIO, is furnishing and selling my private consumer data for financial gain. 
I, XXXX XXXX, never gave APPFOLIO expressed written instructions to furnish a consumer credit report per Federal law 15 U.S. Code 1681b ( a ) ( 2 ). 
FACT : I, XXXX XXXX, consumer, do not consent to any use of a consumer report relating to XXXX XXXX in connection with any credit or insurance transaction that is not initiated by me, XXXX XXXX. 
APPFOLIO has unauthorized use of my credit card ( social security card ) as defined by Federal Law 15 U.S. Code 1602 and has been housing it inside its private databases.

FACT : APPFOLIO has private medical information furnished on a consumer report that I did not consent to be compiled. A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of 15 U.S. Code 1681b. 
FACT : No consent is identity theft and I did not consent for my private information to be furnished, housed, kept, or collected in any public or private system, record keeping, corporation or database. 
FACT : APPFOLIO has never conducted an investigative consumer report and conducted personal interviews with my family members or close friends as required by Section 1681a of the Fair Credit Reporting Act. 
FACT : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy as stated in Federal law 15 U.S. Code 1681b. My privacy was gravely breached by APPFOLIO and the information that was furnished impacted my livability, access to credit and access to a safe, healthy place of abode. 
FACT : The communication from APPFOLIO has been incredibly stressful for me as a Consumer. Receiving their communication dated XX/XX/XXXX made me feel anxious, afraid, frustrated, exposed, helpless, confused and offended every time I saw their company name or logo on a piece of mail. Their recent letter dated XX/XX/XXXX contained personal identifiable information including my name, my place of abode, private contract information, multiple names that I do not use, date of birth, social security number, telephone number, and inquiries. This is a gross neglect of my privacy. 
FACT : I never contracted with APPFOLIO or gave them written permission to contract with me. My employer has received information from this consumer reporting corporation without my written consent. As an employee of the XXXX XXXX XXXX XXXX XXXX  we undergo routine credit checks and APPFOLIO gives me severe XXXX XXXX XXXX XXXX  thinking that I will lose my job because it reported false allegations on my creditworthiness. 
FACT : APPFOLIO has several consumer profiles alleged to be XXXX XXXX ( see Exhibit A and Exhibit B ). One states XXXX XXXX and the other states XXXX XXXX XXXX. Their searches however state a XXXX XXXX which is not XXXX XXXX. This is fraud! 
FACT : APPFOLIO has several consumer profiles with incorrect and unverifiable information that they have sold to other people. In their correspondence dated XX/XX/XXXX they show that the initial LANDLORD/TENANT civil lawsuit that they were reporting in XXXX and XXXX to other people on XXXX XXXX was never in a public record database. APPFOLIO conducted an internal record search using a third party that I have NEVER AUTHORIZED OR CONTRACTED WITH to release personal identifiable information. 
FACT : In a continuous attempt to falsify my consumer information APPFOLIO included in the consumer file sent to XXXX XXXX a personal and private consumer information by the name of XXXX XXXX XXXX with a birthdate of XX/XX/XXXX ( see attached ). I do not know who this person is or what his information has to do with my consumer report. This further proves the grave negligence for consumer privacy that APPFOLIO has breached. Because I have all of XXXX XXXXXXXX personal information I will be contacting him personally to know of this grave privacy breach. 
FACT : Ive never asked APPFOLIO for a credit score yet one was calculated and included in my consumer report without my consent. 
FACT : I spoke with XXXX XXXX on a recorded line and she confirmed that APPFOLIO did not do any investigating into my consumer file but relied on incorrect third party sources that were never verified until XXXX of XXXX. 
FACT : APPFOLIO has seventeen ( 17 ) pages of my private information that contain OVER 500 violations ( labeled EXHIBIT A and EXHIBIT B ). 
FACT : A complaint on APPFOLIO has been made to the CFPB, XXXX XXXX XXXX as well as the Illinois Attorney General. 
FACT : As a result of this company 's gross misconduct I have been damaged under 15 U.S. Code 1692k ( a ) ( 1 ). I have been denied access to an affordable, safe, clean abode, crucial lines of credit and it has impacted my health.

Company response to consumer: Closed with explanation