Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AppFolio, Inc.
State: IL

Complaint narrative:
Subject : Urgent Concern Regarding Inaccurate Credit Screening Report On XX/XX/year>, I applied for an apartment through XXXX XXXX XXXX and proceeded through their applicant screening process. After reviewing the listed application requirements ( attached below ), I was never informed that a XXXX would be used for screening. I applied under the assumption that my XXXX  scorethe industry standardwould be used, which would have qualified me for the apartment. 

On XX/XX/year>, I received an email from AppFolio, the screening system used by XXXX XXXX XXXX, containing a credit screening report. The report was significantly different from my current XXXX  credit report. The attached document includes outdated and inaccurate information, such as collections that have since been removed and incorrect balances reported for my student loans. 

I attempted to contact AppFolio to dispute these inaccuracies but was unable to speak with a representative. I am actively searching for housing, and the score reported by AppFolio ( XXXX ) does not reflect my actual credit standing. My current XXXX  XXXX XXXX score is XXXX, representing a XXXX discrepancy. This inaccurate score will likely lead to automatic denials and hinder my ability to secure housing. 

This matter requires immediate attention, as the use of incorrect or outdated data could cause significant harm to my rental opportunities. I respectfully request that this issue be resolved as soon as possible. 

Thank you for your time and prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Application Qualification : Thank you for your interest in our community! Each applicant, including co-signer ( if applicable ), must complete the application and pay the applicable application fee. Additionally, most applications will also include a $ XXXX administrative fee at the time of application. This amount is applied to your first month 's rent upon approval or refunded if the application is rejected. However, if the application is approved but does not result in an executed lease, the funds serve as liquidated damages and will not be returned. All fees must be collected in order for your application to be processed. To complete this rental application, you must provide a valid Drivers License, State ID or Passport and two years of residential history. Additionally, we require TWO forms of income verification. All documents provided to XXXX must be in their original PDF format. We will not accept screen shots of images, or photos taken of images. Please note that we work with third party fraud detection software to verify all photo ID and income verification documents. We will require that you use these tools to verify your application. For more information about how to properly utilize these tools, please follow this link : XXXX XXXX XXXX Should an applicant submit fraudulent documents for the approval of an apartment, their administrative fee payment will be kept as liquidated damages. You must meet the community 's applicant screening criteria and hereby authorize XXXX XXXX XXXX XXXX XXXX, as agent, to investigate all foregoing information by such methods including but not limited to consumer reports, applicant screening and credit reports, income reporting, and housing reporting. You release all parties, including the Agent, from liability or any damage that may result from furnishing or investigating such information. XXXX XXXX XXXX XXXX XXXX uses commercially reasonable practices to review each applicant 's identity information or to investigate information provided. Once complete, your application will be submitted and processing will begin. Processing can take up to 3-5 business days for more detailed applications. If your application has been approved, your lease agreement must be signed within 48 hours of being notified or the apartment will be placed back on the market. To help ensure all of our residents understand all our pet and animal related policies, we use a third-party screening service called XXXX and require all applicants, regardless of whether or not they have a pet, to complete a pet profile, a no pet profile, or request accommodation for an assistance animal. XXXX will reach out via email shortly after your application has been submitted. The XXXX profile must be completed before an application can be approved. Please note that a completed XXXX  profile does not guarantee application approval. Third-party fees XXXX apply. Recurring monthly pet rent is determined by XXXX. Please note that an incomplete pet profile may result in a higher monthly pet rent. Dog breeds not permitted as pets include, but are not limited to : American Pit Bull Terrier, Bull Terrier, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition, any mixtures of the aforementioned breeds are not approved. Additionally, Landlord reserves the right to reject certain other breeds at the Landlords discretion. -- -- - Pursuant to the requirements of Article XXXX of the XXXX XXXX XXXX XXXX XXXX, please find below the following disclosures : XXXX XXXX XXXX : - XXXX Accept ; - XXXX to XXXX Conditional ; - XXXX Reject XXXX. XXXX XXXX : - XXXX the gross monthly rent combined between all parties - Accept - XXXX the gross monthly rent combined between all parties - Conditional XXXX. Guarantor Qualification Criteria : - XXXX Accept ; - XXXX to XXXX Conditional ; - XXXX Reject - XXXX the gross monthly rent combined between all guarantors - Accept - XXXX the gross monthly rent combined between all guarantors- Reject XXXX. Employment History To review your application XXXX will require XXXX of the following sets of documents : - Most recent XXXX paystubs - Most recent XXXX bank statements including deposit statements- If within 30 days of the signing date, we will accept an offer letter. Both parties must have executed the offer letter, and it must provide contact information for a point of contact at the company for verification purposes. - If within the past 90 days of filing date, most recent tax return. 5. Rental History - Landlord outstanding balances in the last 36 months = Reject - Evictions filed in last 10 years = Reject - Landlord Judgments in last 10 years = Reject - Bankruptcy in the last 3 years = Reject, 3-10 years = Conditional - Negative landlord reference = Reject CRIMINAL BACKGROUND CRITERIA 1. Persons with Criminal convictions by means of judgment of liability, entered upon a plea, verdict or finding of guilt in the last three years that show a demonstrable risk to residents ' personal safety and/or likelihood of serious damage to property will be rejected. XXXX. Persons with a current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACT ( or similar law in another jurisdiction ) XXXX be rejected. XXXX. Persons with a current child XXXX XXXX  residency restriction will be rejected. Applicants have the right to produce evidence that disputes the accuracy or relevance of information related to any criminal convictions from the last 3 years or any evidence of rehabilitation or other mitigating factors. Details regarding our privacy policy can be found here : XXXX XXXX XXXX XXXX XXXX  For XXXX XXXX XXXX Illinois residents only : Before you apply for this unit, our tenant selection criteria is above. We will review your credit and tenant history first. As a further disclosure, information on your rights can be found at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation