Consumer complaint received 01-09-2017 about Credit reporting () with On-Site Manager, Inc. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XX/XX/2017, a rental application submitted denied based on inaccurate information contained in On-Site Renter Relations consumer database/file which was resold to a property owner/renter. 

Although not registered with CFPB or the state of Maryland On-Site Renter Relations referred in their denial letter doing business as a credit reporting agency but refused to follow the FCRA and validate allege public record. 

According OnSite Rental Relations although they consider their business entity as a credit reporting agency they obtained allege public court record which is just a filing with no adverse outcome from court records. 

Onsite Renter Relations claim they do not maintain a file on consumer but reseller of credit and public records in order to skate around the FCRA and laws. 

In addition, On-Site Renter Relations resold misleading information to a property owner. 
Landlord Tenant court record does not mean a tenant owed rent or evicted from a property On-Site Renter Relations disclosed a public record but not the actual content or disposition of civil action misleading the property owner and provided a recommendation not to rent based on said misleading information. Then refused to validate said public record. 

Per XXXX, XXXX and XXXX no such item or debt owed to XXXX XXXX XXXX is appearing anywhere on the consumer credit report/file or with any companies under their umbrella exist showing any debt or public record on consumer reports. 

In addition, although On-Site Renter Relations claim is does not maintain a file on the consumer a file was created and used as a financial decision making tool and claiming it 's a part of the consumer actual credit report without the consumer consent or knowledge. 
I asked the CFPB confirm the legality of allowing a company to claim a reseller of credit information and file is a part of the same consumer credit report as maintained by the XXXX credit bureaus XXXX, XXXX, XXXX. 

In addition, I requesting the CFPB take legal action against all On-Site Renter Relations acompanies maintain separate consumer databases and sharing and selling data claiming it 's a part of the consumer actual credit report. 

I am asking the CFPB investigate and provide the consumer protection from the above mentioned abusive business practices that has allowed On-Site Renter Relations to do business as a credit reporting agency without following the FCRA ( 2 ) Prevent Onsite from maintaining several consumer databases and files, selling or sharing consumer data with other companies without the consumers knowledge, consent. ( 3 ) Enact pass laws that require Resident Screening companies doing business as credit reporting agency to register with the Federal and State government as such. ( 4 ) Enact and pass laws that require Resident Screening companies to disclose where information is obtain from rental history search. 

Due to this inaccurate reporting I was denied housing, lost monies from deposit and application fees and it will now that at least ( 30 ) days for a complete removal of inaccurate information from the consumer credit files. 

By the time the matter is fully investigate the item removed the property I was trying to obtained will be gone. In addition, if the consumer actual credit file with the XXXX major credit bureaus do not show allege debt a company not registered as an actual consumer reporting agency should not be allowed to supply inaccurate rental information and block consumer from obtain housing. 

When I requested copies of allege documentation On-Site claim no documentation existed showing an court ordered eviction, a court order to take possession a court order to pay any outstanding debts. 

On-Site and property owner instructed the consumer to obtain documents from the courts showing disposition of the filing or allege debt was paid for application appr

Company response to consumer: Closed with explanation