Consumer complaint received 2023-05-24
Company: BetterNOI, LLC
State: MI
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:
On XXXX XX/XX/2023 I filed complaint XXXX against BetterNOI regarding a tenant screening. The complaint was returned with BetterNOI claiming it did not belong to them. The CFPB reviewed the contents of the complaint and sent it to BetterNOI for response. In the meantime I filed an additional complaint against BetterNOI ( CFPB Complaint XXXX ). In it I requested the inaccurate and/or unverifiable information supplied by one or more of the three major CRAs be removed from my tenant report. The response to that complaint was as follows : " If <redacted> has a concern regarding the accuracy of that information they can dispute it with SRI, who will request that XXXX conduct a re-investigation. Alternatively he can dispute it directly with XXXX. Thank you for your attention to this matter. '' BetterNOI then marked CFPB complaint XXXX as a duplicate. On or around XXXX XX/XX/2023 I filed a new complaint against Screening Reports , Inc ( SRI ). The CFPB complaint number is XXXX. On XXXX XXXX XXXXSRI marked the complaint as a duplicate of the BetterNOI complaint. No re-investigation by SRI was conducted. Screening Reports , Inc. is a consumer reporting agency and as such is subject to 15 U.S. Code 1681i. Now, it could be the case that SRI determined my " disputes were irrelevant or frivolous. '' However, 15 U.S. Code 1681i ( a ) ( 3 ) requires SRI to provide notice to a consumer that contains : ( i ) the reasons for the determination under ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. That was not provided to me by SRI. The fact is the inaccurate information supplied by SRI to third parties has subjected me to housing discrimination. Considering SRI marked the item as a duplicate, it would appear SRI and BetterNOI are one-in-the-same entities, or closely affiliated. As an aside, my experience with inaccurate information supplied by SRI is not the first instance in which the failures in SRI processes has deprived consumers of housing. On XXXX XX/XX/2023 a Florida man filed a Fedral Lawsuit against SRI. The Plaintiff in that case alleged " Screening Reports had been reporting derogatory and inaccurate statements and information regarding plaintiff and his background to third parties. The inaccurate information included false criminal records for multiple felonies for XXXX XXXX  and failure to register as a XXXX XXXX, as well as multiple XXXX  for contributing to the delinquency of a minor, assault, and disorderly conduct. '' In the complaint plaintiff contends " Screening Reports violated the FCRA by failing to follow reasonable procedures to assure the maximum possible accuracy of the information it reported, which led to Screening Reports including derogatory and inaccurate statements in plaintiff 's consumer report. Moreover, had SRI followed reasonable procedures, it would not have reported the inaccurate information, '' ( see here : XXXX XXXX XXXX XXXX Thankfully, the false, misleading, and inaccurate information supplied by SRI to third parties regarding me, my finances, and my background are not nearly as horrifying as that of the Florida man because the inaccurate information supplied by SRI to third parties pertaining to me appears to deal with financial matters. Nevertheless, the derogatory information supplied is false and subjecting me to housing discrimination. As such, I dispute the information contained in my SRI screening report ( s ) for the following accounts/trade-lines : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The basis for each of those disputes is in the attached pdf files that include the name of the firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation