Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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: Public record information inaccurate

Complaint:
I was involuntarily displaced by my NY landlord in XX/XX/XXXX when, after years of failing to make necessary water-intrusion and mold-contamination remediation, was court-ordered to do so. I temporarily moved out, but the apartment restoration was not done. The landlord then tried to force me to move back into an every more contaminated apartment in an effort to deprive me of my very valuable XXXXyear-old rent stabilized lease so as to flip-renovate and triple the apartment 's rent. 

Mold inspectors describe the state of the apartment as " unfit for human habitation. '' I was forced to seek temporary emergency housing with relatives in Maine, all the while paying my NY rent. The Repair matter is still being adjudicated in NY Housing Repair court. 

In XX/XX/XXXX the landlord refused to renew my lease for non-residency, claiming that I had " abandoned '' my apartment by not residing in it in order to attempt and end-run of the lingering Repair case 's  adjudication ( now in a trial of fact ). The landlord 's malfeasance and contempt of the court order were the only causes my inability to return to my lawful home. The holdover/eviction filing is fraudulent and harassing and will not be adjudicated until the repair case 's trial of fact is completed, likely resulting in a summary dismissal of the holdover proceeding. 

So while I am named by the NY courts as a respondent in a holdover eviction proceeding, it is both highly unlikely that the judge in that matter will rule against me and in no case has any judge evicted me to date. 

While searching for a new temporary home in Maine, I applied for an apartment with XXXX XXXX XXXX ( XXXX ). They ran a credit check and found that I have a credit rating of XXXX. They also ran a new service provided by Transunion called " Eviction Check. '' Eviction check falsely claimed that I had been evicted from my NY apartment and XXXX XXXX XXXX denied me housing based upon this false report. 

In telephone discussions with a Transunion Eviction Check representative on XX/XX/XXXX, I learned that Transunion is not only gathering information in NYS ( and other states ' ) eviction adjudications but is also gathering ALL EVICTION FILINGS and incorporating that data into their " Eviction Check '' reports. They claim that the landlords need to parse their reports. Reading the report, this is not only unclear but no reader would have any option but to conclude that I had, in fact, been evicted from my NY apartment. Further, there are many NY landlords who fail to maintain their buildings and basic services to such a degree that tenants are forced to conduct rent strikes in order to force a landlord into making needed repairs. Under such circumstances, until a recent NYS law change, landlords would make harassing eviction proceedings in retaliation, thereby clogging up Housing Court with their frivolous acts. Invariably, the landlords would lose such eviction proceedings. For Transunion to equate an eviction/holdover filing with an eviction adjudication is insane. 

The class of tenants being financially and otherwise harmed nationwide by this purposely sloppy " garbage in, garbage out '' data collection practice is vast. It is outrageous that Transunion conceived of their " Eviction Check '' program being so designed would not cause unnecessary harm to tenants. 

I have Transunion 's report and the letter denying me an apartment because of this report from XXXX XXXX XXXX. 

Thank you! 

XXXX XXXX Temporary address XXXX XXXX  XXXX, XXXX, ME XXXX Legal XXXX address XXXX XXXX XXXX, # XXXX, XXXX XXXX, NY XXXX Telephone : XXXX Email : XXXX NY Housing Repair court case : XXXX XXXX NY NY Housing Holdover court case : XXXX XXXX Petition Holdover My attorney in both cases is : XXXX XXXX, Esq. 
XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Cell : XXXX Email : 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