Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: To whom this may concern I hope you will take this case on because not all renters are bad people but someone has to stop these mammoth credit agencies that partner up with third party screening companies that ruin people lives. Hide behind big logos and pass the buck saying that by law they do not have to give the information and yet have disclosures that state that they respect our privacy. I will be more than happy to help and tell you this story. 

I am dealing with Transunion that is reselling information like this : https : //www.transunion.com/data-reporting/criminal-evictions-data-resellers # XXXX to companies like this : https : //www.mysmartmove.com/ On XXXX/XXXX/XXXX we went to view a unit with a realtor where at that point he directed us to his web site where I could not get on. Now that I have been doing a lot of research I can tell that and see the red signs. He asked me to fill out a rental application which is normal and in his email game me the following directions : Hello, Attached are rental forms. please complete and send it to me. Also, there is a {$50.00} non refundable processing fee cash or money order only. I need full credit and background check. I will accept one from you but it has to be from reputable source and has to show credit, criminal and eviction record. If you dont have one I can run for you through mysmartmove.com, and the cost is {$35.00} per person payable through the website. Feel free to contact me with any questions. 

Sincerely, This raised some red flag flags to me - but my husband liked the unit, and I set ok fine I know we have to move the land lord is selling just do it. 

I filled out the application, went on the XXXX to get the free credit reports for both my husband and I and upgraded in XXXX. I did not believe in Transunion just had a bad feeling just felt that biased culture there. I saw their logo in the smartmove.com site, and that did something just felt off. 

I combed thru the reports got all the references I have been on my job for a while so after the house marketing bubble burst I knew we were not perfect, but we should be ok. I was on the job for about XXXX years although my husband is a XXXX I am steady enough to that end. Two days later I received a text " you have XXXX XXXX on your report based on that you are denied rent. '' We were stunned we could not figure it ; we lost our house in the predatory lending schemes, and those evictions never made it to the reports. We knew the others were paid in full. I chased the realtor for two days to get the report since there is some type block for consumers on getting this report and I got it. 

I will supply this upon request, here is what we found out what is on there that is not suppose to be. The XXXX XXXX they are referring to occurred in XXXX and XXXX both were dealt with both were paid in its entirety both are from the credit reports. Item XXXX XXXX XXXX one vacates the other and should be nullified item XXXX, and XXXX do not show anywhere on the reports my public records show XXXX XXXX, so I do not believe that these reports are being analyzed in good faith as it is said on the web site. I would like to know who analyzed it? Who protects the tenants? 

For Landlords You need Great Reports to pick Great Tenants. Moreover, that is what TransUnions SmartMove offers https : //www.mysmartmove.com/ Credit reports, criminal background checks, and eviction records from TransUnion Broad national coverageXXXX including Washington D.C. 
Superior accuracy using advanced matching technology on all tenant screening reports Learn More about SmartMove 's Credit Checks for Landlords thank you, I look forward to hearing from you

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 monetary relief