Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BetterNOI, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX SCREENING REPORTS INC / XXXX XXXX Address XXXX NONE PROVIDED Subject : Formal Dispute and Cease & Desist Notice XXXX XXXX & Collection Reporting I am writing to formally dispute and demand immediate correction of an inaccurate XXXX record and any associated collections account that has been reported in my name. This incorrect information is harming my ability to obtain housing, credit, and financial stability. 
Legal Violations & My Rights Under Federal Law 1. Fair Credit Reporting Act ( FCRA ) Violations : * FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) : I have the right to request verification of this eviction and debtfrom the credit bureaus and data furnishers. 
* FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate and remove any inaccurate, incomplete, or unverifiable information within 30 days. 
* FCRA 623 ( a ) ( 15 U.S.C. 1681s-2 ) : Landlords, property managers, and collection agencies must ensure that the information they report is accurate. Failure to correct false information is a direct violation of federal law. 
2. Fair Debt Collection Practices Act ( FDCPA ) Violations ( If Debt Collection is Involved ) : * FDCPA 809 ( 15 U.S.C. 1692g ) : The collection agency must provide proper debt validation before continuing to report this account. 
* FDCPA 807 ( 15 U.S.C. 1692e ) : It is illegal for a collection agency to report false, misleading, or inaccurate debt information. 
3. Fair Housing Act ( FHA ) Violations : * FHA 3604 ( 42 U.S.C. 3604 ) : The use of false or inaccurate eviction records to deny housing opportunities may constitute housing discrimination. 
* FHA 3617 ( 42 U.S.C. 3617 ) : It is unlawful for a landlord to retaliate or interfere with a tenants right to secure housing. 
4. State-Specific Tenant Protections ( Varies by State ) : * Include Ga states tenant protection laws if applicable, such as time limits for reporting evictions, improper notice requirements, or retaliation laws. 
My Formal Demands for Resolution I demand the following corrective actions be taken immediately : 1. Cease and desist all reporting of this eviction record to tenant screening agencies, credit bureaus, and potential landlords. 
2. Provide written confirmation that the eviction record has been removed or properly updated with accurate information. 
3. All collection agency involved, provide written debt validation within 30 days, or the account must be permanently deleted. 
4. Immediately update all records and databases to prevent further harm to my housing and financial status. 
Failure to comply with this request within 14 days will leave me no choice but to take legal action, including but not limited to : * Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), U.S. Department of Housing and Urban Development ( HUD ), and the Federal Trade Commission ( FTC ). 
* Pursuing civil litigation for willful and negligent violations of the FCRA, FDCPA, and FHA, which could result in financial damages. 
* Reporting your violations to state and local housing authorities for further investigation. 
I expect your written response confirming resolution of this matter. If I do not receive a satisfactory response, I will escalate my complaint through all available legal and regulatory channels. 
Sincerely, XXXX XXXX

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