Consumer complaint received 2023-07-04
Company: BetterNOI, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am reporting that a background screening company has violated the Fair Credit Reporting Act by reporting inaccurate information regarding my credit history. The company is BetterNOI, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Summary of Facts XXXX. Better NOI reported to XXXX at XXXX XXXX that, in XX/XX/XXXX XXXX XXXX filed and dismissed an eviction in XXXX XXXX, in my name, for address XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As a result of this inaccurate reporting, I was denied an apartment ( Attachment 1 ; Copy of Screening Report from Better NOI, page XXXX ) XXXX. XXXX XXXXXXXX is not, nor have they ever been affiliated with XXXX XXXX XXXX XXXX GA, XXXX. I did not live at XXXX XXXX XXXX XXXX Ga XXXX in XX/XX/XXXX or before. I moved in on XX/XX/XXXX. I reached out to NOI to inform them the information they reported is inaccurate and followed the dispute process. Better NOI failed to do their due diligence by verifying the accuracy of the information they reported. They opened and closed the dispute in less than 24 hours. ( Attachment 2 ; email from NOI Disputes Team stating the case is closed ). 

XXXX. A representative of Better NOI advised they went through XXXX XXXX XXXX to conduct the rental history screening. I contacted XXXX XXXX XXXX XXXX, they advised they do not have a reported eviction filing under my name. Better NOI did not provide me a copy of the information they received from XXXX XXXX Verify ; they provided a copy of the inaccurate report they prepared ( Attachment 1 ; Screening Report, page 2 ). 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX not XXXX XXXX where Better NOI states the eviction filing took place. In the state of Georgia, a landlord should start the eviction process by filing a dispossessory warrant in the county where the rental property is located. 

Better NOI failed to do their due diligence to validate the information they provided resulting in denial of my application. Their claim that I have an eviction filing for XXXX XXXX XXXX from XX/XX/XXXX is not accurate. Again, I moved to the property at XXXX XXXX XXXX on XX/XX/XXXX. Any and all information stating an eviction was filed for my name and social security number in XXXX XXXX for XXXX XXXX XXXX is FALSE. ( Attachment 3 ; Lease from XXXX XXXX XXXX, and a list that reflects the City of XXXX is in XXXX XXXX, XXXX ) XXXX. XXXX XXXX XXXX XXXX Provided a copy of my current XXXX XXXX. The screening reflects no records found for Evictions, Filings, or XXXX XXXX. ( Attachment XXXX ; XXXX XXXX XXXX Report, page XXXX ). 

Conclusion As a resolution to this matter, I ask that Better NOI correct the inaccurate reporting and update XXXX  at XXXX XXXX with the correct information. Per the Fair Credit Reporting Act Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected If this is not corrected with in 30 days of my original notification to NOI, XX/XX/XXXX, I plan to file a lawsuit in XXXX XXXX XXXX. 

Thank you for your time and attention to this matter. I look forward to a resolution.

Company response to consumer: Closed with explanation