Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion has a product called XXXX XXXX which offers resident screening services. After being denied multiple times to rent property, with XXXX XXXX ( Transunion ) as the furnisher of the information, I elected to open a " landlord account '' with XXXX XXXX in an effort to see what information they were furnishing prospective property managers. 

When I established the account and sent myself the link as a prospective tenant and paid the screening fee, I logged back into the " landlord '' account and looked at the report. On the report, there were two eviction records that are being reported as evictions. Both cases were dismissed in Civil Court and at no time was there an eviction or removal of person ( s ) and belongings from the property. 

By legal definition, an " eviction '' is defined as : " The removal of a tenant ( commercial or residential ) from rental property by a law enforcement officer. Once the landlord wins the lawsuit for eviction, also known as an unlawful detainer, the landlord has the right to use the city marshal to remove the tenant from the premises. '' Law Dictionary Alternative Legal Definition Dispossession by process of law ; the act of depriving a person of the possession of lands which he has held, in pursuance of the judgment of a court. Technically, the dispossession must be by judgment of law ; if otherwise, it is an ouster. Eviction implies an, entry under paramount title, so as to interfere with the rights of the grantee. The object of the party making the entry is immaterial, whether it be to take all or a part of the land itself or merely an incorporeal right. Phrases equivalent in meaning are ouster by paramount title, entry and disturbance, possession under an elder title, and the like. XXXX v. XXXX, XXXX XXXX XXXX. Eviction is an actual expulsion of the lessee out of all or some part of the demised premises. XXXX XXXX XXXX, XXXX XXXX. ( XXXX XXXX ) XXXX, XXXX. In a more popular sense, the term denotes turning a tenant of land out of possession, either by re entry or by legal proceedings, such as an action of ejectment. Sweet. By a loose extension, the term is sometimes applied to the ousting of a person from the possession of chattels ; but, properly, it applies only to realty. In the civil law. The abandonment which one is obliged to make of a thing, in pursuance of a sentence by which he is condemned to do so. XXXX. XXXX. XXXX XXXX XXXX, XXXX XXXX, The cases in question were " dismissed for want of prosecution '' in the District Court of XXXX County releasing me of any legal liability for the case. Therefore, Transunion is in violation of their own assertions for accurate reporting. Under their list of services for Landlords, they indicate their list of services as : " Eviction Reports include court records on every file TransUnion eviction reports come from a variety of sources including public court records, and are enhanced with data reported directly to TransUnion. The reports include : Tenant judgment for possession and money Unlawful detainers Tenant judgments for rent Failure to pay rent Writs and warrants of eviction '' Their list of services does not indicate that it would report " filings '' or " dismissals ''. 

Neither of the above apply to my record as my cases were dismissed. Transunion is inaccurately reporting my dismissals under " Evictions ''. I contacted a representative at the XXXX XXXX product on XX/XX/XXXX and challenged the records. The representative agreed that the reporting of the dismissals was inaccurate as they were not " Evictions '' and initiated opening a dispute on my behalf to have the records removed from the Transunion report and encouraged me to contact their office the following week to follow up on the removal. I contacted the customer service department at XXXX on XX/XX/XXXX and was advised by the supervisor on duty named XXXX that the information would not be removed and that the information was accurate, which by their own offering of services is NOT accurate. 

I would like the CFPB to assist in enforcing the FCRA against Transunion and their XXXX XXXX tenant screening product. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation