{ "cite": { "title": "Screening Facts — the whole corpus", "url": "https://screeningfacts.com/companies", "publisher": "Axion Labs — Screening Facts", "checked": "2026-09-06", "source": { "name": "CFPB Consumer Complaint Database (public bulk file)", "url": "https://www.consumerfinance.gov/data-research/consumer-complaints/" }, "rule": "15 U.S.C. 1681i(a)(1)", "license": "free to quote with the URL", "dataset": { "version": "2026-09-06", "fixity": "sha256-2491d5efd60eef26a2fbef7b10ad6a6169ef80e60a2fb7f2a55bfd843a5460fa" } }, "attribution": "Screening Facts (https://screeningfacts.com) — CFPB Consumer Complaint Database", "price": null, "price_note": "Free. This endpoint was listed at $5 per pull between 14 August and 9 September 2026 and never had a payment rail behind it, so it never took a payment. The price was removed rather than the rail wired: the same payload is free at /api/companies and in /llms.txt on this domain, so charging for it would have been selling a free substitute of our own.", "contact": "hello@getaxionlabs.com", "generated": "2026-09-06", "record_counts": { "companies": 17, "situations": 8 }, "corpus": { "coverage": "CFPB published complaint narratives, 2011 - August 14, 2026", "complaint_mentions_coverage": "CFPB published complaint narratives, 2011 - August 14, 2026", "frozen": true, "frozen_since": "2026-08-14", "frozen_reason": "The CFPB ceased discretionary publication of complaint narratives on August 14, 2026, so every narrative-derived count on this site is a closed series and will not change. Complaint intake continues, and the per-company outcome table runs on all complaints and is current." }, "outcomes_method": { "window": "12 months to 2026-09-08", "checked": "2026-09-09", "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site.", "query": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=&date_received_min=2025-09-08&date_received_max=2026-09-08&size=0&no_aggs=false", "caveat": "\"Closed with explanation\" is a response category, not a finding that the consumer was wrong. Relief rates here are complaints closed with relief divided by complaints closed; complaints still in progress and untimely responses are not closures." }, "clock": { "free_report_after_adverse_action_days": 60, "investigation_days": 30, "investigation_extension_days": 15, "investigation_days_if_evidence_added": 45, "investigation_45_is_derived": "30 + 15; 45 is not a literal in 15 U.S.C. 1681i(a)(1)", "no_statutory_pre_adverse_waiting_period": true, "five_day_myth_source": "FTC staff advisory opinion to Weisberg, 27 June 1997 — guidance to employers, not statute, and not enforceable by the applicant", "citation": [ "15 U.S.C. 1681j(b)", "15 U.S.C. 1681i(a)(1)", "15 U.S.C. 1681m(a)(4)" ], "source_urls": [ "https://www.govinfo.gov/content/pkg/USCODE-2023-title15/html/USCODE-2023-title15-chap41-subchapIII-sec1681j.htm", "https://www.govinfo.gov/content/pkg/USCODE-2023-title15/html/USCODE-2023-title15-chap41-subchapIII-sec1681i.htm" ] }, "who_fixes_it": { "wrong_record": "the screening company — dispute it under 15 U.S.C. 1681i; it is their file and they have 30 days, 45 if you send more evidence part-way through", "wrong_person_checked": "the platform or employer, by ordering a NEW report. A dispute corrects a file; it does not re-run a check. If the input was wrong, the output has to be requested again by whoever requested it", "account_still_locked_after_report_cleared": "the platform. The screening company has no access to your account", "decision_on_an_accurate_record": "the platform, and it is a business decision, not a legal one. A dispute cannot remove a record that is true" }, "companies": [ { "slug": "lexisnexis-risk", "name": "LexisNexis Risk Solutions", "category": "Data broker", "complaint_mentions": 70462, "patterns": { "not_mine": 23109, "eviction": 78, "paid_but_showing": 62, "dispute_ignored": 151, "denied_housing": 11, "denied_job": 143, "bank_account": 89 }, "route": { "dispute_url": "https://consumer.risk.lexisnexis.com/help", "report_request_url": "https://consumer.risk.lexisnexis.com/request", "phone": "1-888-497-0011", "phone_hours": "Monday – Friday from 8:00 A.M. to 7:00 P.M. Eastern Time", "email": "Consumer.Documents@LexisNexis.com", "postal": [ { "address": "LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108", "what": null } ], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [ "https://consumer.risk.lexisnexis.com/", "https://consumer.risk.lexisnexis.com/consumer", "https://consumer.risk.lexisnexis.com/help", "https://consumer.risk.lexisnexis.com/request" ], "note": "In LexisNexis Risk Solutions's own words, read on September 9, 2026: If you have questions or need to submit documents, you can do so via our LexisNexis Risk Solutions Reports Help page.", "note_html": "In LexisNexis Risk Solutions's own words, read on September 9, 2026: If you have questions or need to submit documents, you can do so via our LexisNexis Risk Solutions Reports Help page." }, "outcomes": { "window": "12 months to 2026-09-08", "cfpb_company_string": "LEXISNEXIS", "complaints": 31968, "closed": 31819, "closed_with_relief": 7938, "relief_rate_of_closed": 0.249, "peer_benchmark": { "equifax": 0.462, "transunion": 0.419, "experian": 0.06 }, "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site.", "query": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=&date_received_min=2025-09-08&date_received_max=2026-09-08&size=0&no_aggs=false", "caveat": "\"Closed with explanation\" is a response category, not a finding that the consumer was wrong. Relief rates here are complaints closed with relief divided by complaints closed; complaints still in progress and untimely responses are not closures." }, "url": "https://screeningfacts.com/companies/lexisnexis-risk" }, { "slug": "earlywarning", "name": "Early Warning Services", "category": "Banking history", "complaint_mentions": 38013, "patterns": { "not_mine": 6104, "eviction": 5, "paid_but_showing": 42, "dispute_ignored": 106, "denied_housing": 1, "denied_job": 42, "bank_account": 2611 }, "route": { "dispute_url": "https://www.earlywarning.com/dispute-file-disclosure", "report_request_url": "https://www.earlywarning.com/your-early-warning-file-disclosure", "phone": "800-745-1560", "phone_hours": "Monday - Friday 9 AM to 8 PM Eastern Time, excluding federal holidays", "email": null, "postal": [ { "address": "Early Warning, Attn: Consumer Services, 5801 N Pima Road, Scottsdale, Arizona 85250", "what": null } ], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [ "https://www.earlywarning.com/consumer-information", "https://www.earlywarning.com/dispute-file-disclosure", "https://www.earlywarning.com/your-early-warning-file-disclosure", "https://www.earlywarning.com/contact-us" ], "note": "In Early Warning Services's own words, read on September 9, 2026: If you believe any information in your Early Warning file disclosure is inaccurate or incomplete, you may dispute that information.", "note_html": "In Early Warning Services's own words, read on September 9, 2026: If you believe any information in your Early Warning file disclosure is inaccurate or incomplete, you may dispute that information.", "email_note": "not published on any Early Warning Services-owned page we could read, checked 2026-09-09" }, "outcomes": { "window": "12 months to 2026-09-08", "cfpb_company_string": "Early Warning Services, LLC", "complaints": 6673, "closed": 6673, "closed_with_relief": 0, "relief_rate_of_closed": 0, "peer_benchmark": { "equifax": 0.462, "transunion": 0.419, "experian": 0.06 }, "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site.", "query": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=&date_received_min=2025-09-08&date_received_max=2026-09-08&size=0&no_aggs=false", "caveat": "\"Closed with explanation\" is a response category, not a finding that the consumer was wrong. Relief rates here are complaints closed with relief divided by complaints closed; complaints still in progress and untimely responses are not closures." }, "url": "https://screeningfacts.com/companies/earlywarning" }, { "slug": "chexsystems", "name": "ChexSystems", "category": "Banking history", "complaint_mentions": 4601, "patterns": { "not_mine": 1281, "eviction": 4, "paid_but_showing": 85, "dispute_ignored": 21, "denied_housing": 1, "denied_job": 19, "bank_account": 1074 }, "route": { "dispute_url": null, "report_request_url": null, "phone": null, "phone_hours": null, "email": null, "postal": [], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [], "searched": [ "https://chexsystems.com/", "https://www.chexsystems.com/consumer-debit/consumer-information", "https://www.chexsystems.com/robots.txt", "https://consumers.chexsystems.com/", "https://www.consumerdebit.com/", "http://www.consumerdebit.com/", "https://www.chexsystemsfcra.com/", "https://chexsystems.zendesk.com/hc on 2026-09-09; none returned readable content" ], "note": "We could not read a single ChexSystems-owned page on September 9, 2026, and that is the finding. chexsystems.com returns HTTP 403 Access Denied to three different clients we tried — our own reader, a real headless Chrome, and an ordinary in-app browser — and it does the same for its own robots.txt. consumerdebit.com fails its TLS handshake from the same edge; consumers.chexsystems.com and chexsystemsfcra.com do not resolve. So we are not going to print a ChexSystems phone number or address we copied from somewhere else and cannot check. What we can tell you is that the page loads normally in an ordinary browser session, and that your rights below do not depend on reaching their website at all: a dispute in writing to the address printed on your own denial letter starts the same 30-day clock.", "note_html": "We could not read a single ChexSystems-owned page on September 9, 2026, and that is the finding. chexsystems.com returns HTTP 403 Access Denied to three different clients we tried — our own reader, a real headless Chrome, and an ordinary in-app browser — and it does the same for its own robots.txt. consumerdebit.com fails its TLS handshake from the same edge; consumers.chexsystems.com and chexsystemsfcra.com do not resolve. So we are not going to print a ChexSystems phone number or address we copied from somewhere else and cannot check. What we can tell you is that the page loads normally in an ordinary browser session, and that your rights below do not depend on reaching their website at all: a dispute in writing to the address printed on your own denial letter starts the same 30-day clock.", "unreachable": true, "phone_note": "not published on any ChexSystems-owned page we could read, checked 2026-09-09", "email_note": "not published on any ChexSystems-owned page we could read, checked 2026-09-09" }, "outcomes": { "window": "12 months to 2026-09-08", "complaints": null, "searched": [ "CHEX SYSTEMS INC.", "ChexSystems, Inc.", "ChexSystems", "Chex Systems", "Fidelity National Information Services, Inc." ], "note": "No CFPB record under any name a consumer would recognize. Searched on the CFPB's own company= filter, September 9, 2026.", "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site." }, "url": "https://screeningfacts.com/companies/chexsystems" }, { "slug": "firstadvantage", "name": "First Advantage", "category": "Employment screening", "complaint_mentions": 2693, "patterns": { "not_mine": 417, "eviction": 36, "paid_but_showing": 36, "dispute_ignored": 11, "denied_housing": 9, "denied_job": 151, "bank_account": 10 }, "route": { "dispute_url": "https://fadv.com/candidates/", "report_request_url": "https://fadv.com/candidates/", "phone": "800.845.6004", "phone_hours": null, "email": "consumer.documents@fadv.com", "postal": [ { "address": "First Advantage Consumer Center, P.O. Box 105292, Atlanta, GA 30348-5292", "what": null } ], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [ "https://fadv.com/", "https://fadv.com/candidates/" ], "note": "In First Advantage's own words, read on September 9, 2026: If you believe there is an error, submit a dispute, call 800-845-6004, or email consumer.documents@fadv.com.", "note_html": "In First Advantage's own words, read on September 9, 2026: If you believe there is an error, submit a dispute, call 800-845-6004, or email consumer.documents@fadv.com." }, "outcomes": { "window": "12 months to 2026-09-08", "cfpb_company_string": "FIRST ADVANTAGE CORPORATION", "complaints": 490, "closed": 487, "closed_with_relief": 0, "relief_rate_of_closed": 0, "peer_benchmark": { "equifax": 0.462, "transunion": 0.419, "experian": 0.06 }, "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site.", "query": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=&date_received_min=2025-09-08&date_received_max=2026-09-08&size=0&no_aggs=false", "caveat": "\"Closed with explanation\" is a response category, not a finding that the consumer was wrong. Relief rates here are complaints closed with relief divided by complaints closed; complaints still in progress and untimely responses are not closures." }, "url": "https://screeningfacts.com/companies/firstadvantage" }, { "slug": "checkr", "name": "Checkr", "category": "Employment screening", "complaint_mentions": 2575, "patterns": { "not_mine": 181, "eviction": 10, "paid_but_showing": 17, "dispute_ignored": 7, "denied_housing": 2, "denied_job": 162, "bank_account": 29 }, "route": { "dispute_url": "https://candidate.checkr.com/", "report_request_url": "https://candidate.checkr.com/", "phone": null, "phone_hours": null, "email": "legal@checkr.com", "postal": [ { "address": "Checkr, Inc., Legal Department, 1 Montgomery Street, Suite 2400, San Francisco, CA 94104", "what": "the only postal address Checkr publishes for a consumer, and it is the Legal Department's" } ], "arbitration_optout": "Written notice saying you are opting out of the arbitration agreement, naming yourself, your phone number and the email address on your account, to arbitration@checkr.com or by post to Checkr, Inc., Legal Department, 1 Montgomery Street, Suite 2400, San Francisco, CA 94104, within 30 days of your agreement to the Terms. That is Checkr's own stated procedure at Section 13.H, quoted from Checkr's own page.", "arbitration_optout_html": "Written notice saying you are opting out of the arbitration agreement, naming yourself, your phone number and the email address on your account, to arbitration@checkr.com or by post to Checkr, Inc., Legal Department, 1 Montgomery Street, Suite 2400, San Francisco, CA 94104, within 30 days of your agreement to the Terms. That is Checkr's own stated procedure at Section 13.H, quoted from Checkr's own page.", "route_checked": "2026-09-09", "route_source": [ "https://checkr.com/legal/terms-of-service", "https://checkr1683589488.zendesk.com/hc/en-us/articles/14972773241239-Something-on-my-background-check-report-is-wrong-What-should-I-do" ], "note": "Two things we found by reading Checkr's own pages, and neither is on any other site we know of. Checkr's own help center renders a blank page without JavaScript — if help.checkr.com looks empty when you open it, that is their site and not your browser; the plain-HTML mirror above is the same article and it does load. And Checkr's own dispute article says Mail your dispute with any supporting documents to: and then prints no address at all — we read the raw page on September 9, 2026 and the sentence ends there. So the address above, from Checkr's Terms, is the only postal route Checkr publishes to a consumer. Use the portal if you can: it gives you a confirmation screen, and a screenshot of that is a date you can prove.", "note_html": "Two things we found by reading Checkr's own pages, and neither is on any other site we know of. Checkr's own help center renders a blank page without JavaScript — if help.checkr.com looks empty when you open it, that is their site and not your browser; the plain-HTML mirror above is the same article and it does load. And Checkr's own dispute article says Mail your dispute with any supporting documents to: and then prints no address at all — we read the raw page on September 9, 2026 and the sentence ends there. So the address above, from Checkr's Terms, is the only postal route Checkr publishes to a consumer. Use the portal if you can: it gives you a confirmation screen, and a screenshot of that is a date you can prove.", "arbitration_block": { "terms_url": "https://checkr.com/legal/terms-of-service", "terms_effective": "2026-07-07", "read_on": "2026-09-09", "notice_quote": "THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION AND CLASS ACTION WAIVER (SECTION 13)… IT AFFECTS YOUR LEGAL RIGHTS UNLESS YOU OPT-OUT.", "notice_quote_html": "THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION AND CLASS ACTION WAIVER (SECTION 13)… IT AFFECTS YOUR LEGAL RIGHTS UNLESS YOU OPT-OUT.", "assent_quote": "By clicking the box at the end of this screen or using any other electronic method (\"Electronic Signature\") and/or accessing the Services, You are agreeing to… (4) the mutual agreement to arbitrate at Section 13 herein.", "assent_quote_html": "By clicking the box at the end of this screen or using any other electronic method (\"Electronic Signature\") and/or accessing the Services, You are agreeing to… (4) the mutual agreement to arbitrate at Section 13 herein.", "why_it_matters": "Some pages tell you that only the tick box counts and that logging in is safe. Checkr's own sentence names both. We are not going to tell you which one a court would apply to you — we are showing you the sentence so you can see why the safest assumption is that the clock started at whichever came first.", "why_it_matters_html": "Some pages tell you that only the tick box counts and that logging in is safe. Checkr's own sentence names both. We are not going to tell you which one a court would apply to you — we are showing you the sentence so you can see why the safest assumption is that the clock started at whichever came first.", "plain_english": "Arbitration is a private process instead of a court case. It does not stop you disputing your report, it does not change the 30 days Checkr has to reinvestigate, and it does not affect your right to a free copy. What it can limit is what you can do later if the dispute fails and you want to sue.", "plain_english_html": "Arbitration is a private process instead of a court case. It does not stop you disputing your report, it does not change the 30 days Checkr has to reinvestigate, and it does not affect your right to a free copy. What it can limit is what you can do later if the dispute fails and you want to sue.", "do_not_delay": "The report is what every later step needs, and the portal is the fastest free way to get it. Get the report. Dispute today. Send the opt-out separately, and send it now rather than later, because the window may already be running.", "do_not_delay_html": "The report is what every later step needs, and the portal is the fastest free way to get it. Get the report. Dispute today. Send the opt-out separately, and send it now rather than later, because the window may already be running." }, "phone_note": "not published on any Checkr-owned page we could read, checked 2026-09-09" }, "outcomes": { "window": "12 months to 2026-09-08", "cfpb_company_string": "Checkr, Inc", "complaints": 706, "closed": 668, "closed_with_relief": 0, "relief_rate_of_closed": 0, "peer_benchmark": { "equifax": 0.462, "transunion": 0.419, "experian": 0.06 }, "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site.", "query": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=&date_received_min=2025-09-08&date_received_max=2026-09-08&size=0&no_aggs=false", "caveat": "\"Closed with explanation\" is a response category, not a finding that the consumer was wrong. Relief rates here are complaints closed with relief divided by complaints closed; complaints still in progress and untimely responses are not closures." }, "url": "https://screeningfacts.com/companies/checkr" }, { "slug": "hireright", "name": "HireRight", "category": "Employment screening", "complaint_mentions": 601, "patterns": { "not_mine": 54, "eviction": 0, "paid_but_showing": 2, "dispute_ignored": 3, "denied_housing": 0, "denied_job": 64, "bank_account": 4 }, "route": { "dispute_url": "https://ows01.hireright.com/consumer_request/entry?entry=create_consumer_dispute", "report_request_url": "https://ows01.hireright.com/consumer_request/entry?entry=create_consumer_request", "phone": "1-866-521-6995", "phone_hours": "Monday-Friday, 6am to 5pm Central Time", "email": null, "postal": [ { "address": "HireRight Attn: Applicant Care Team, 14002 E. 21st Street, Suite 1200, Tulsa, OK 74134", "what": null } ], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [ "https://support.hireright.com/", "https://support.hireright.com/en-US/articles/dispute-the-accuracy-of-my-background-report-or-testing-results", "https://support.hireright.com/en-US/articles/request-a-copy-of-my-background-report-or-testing-results", "https://www.hireright.com/legal" ], "note": "In HireRight's own words, read on September 9, 2026: If you believe that any information in your background report is inaccurate or incomplete, you may file a dispute with HireRight for free.", "note_html": "In HireRight's own words, read on September 9, 2026: If you believe that any information in your background report is inaccurate or incomplete, you may file a dispute with HireRight for free.", "email_note": "not published on any HireRight-owned page we could read, checked 2026-09-09" }, "outcomes": { "window": "12 months to 2026-09-08", "cfpb_company_string": "HireRight Solutions, Inc.", "complaints": 136, "closed": 136, "closed_with_relief": 0, "relief_rate_of_closed": 0, "peer_benchmark": { "equifax": 0.462, "transunion": 0.419, "experian": 0.06 }, "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site.", "query": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=&date_received_min=2025-09-08&date_received_max=2026-09-08&size=0&no_aggs=false", "caveat": "\"Closed with explanation\" is a response category, not a finding that the consumer was wrong. Relief rates here are complaints closed with relief divided by complaints closed; complaints still in progress and untimely responses are not closures." }, "url": "https://screeningfacts.com/companies/hireright" }, { "slug": "transunion-rental", "name": "TransUnion Rental Screening", "category": "Tenant screening", "complaint_mentions": 518, "patterns": { "not_mine": 69, "eviction": 26, "paid_but_showing": 2, "dispute_ignored": 1, "denied_housing": 8, "denied_job": 48, "bank_account": 0 }, "route": { "dispute_url": "https://www.transunion.com/client-support/rental-screening-disputes", "report_request_url": null, "phone": "800-230-9376", "phone_hours": "Monday to Friday from 8 a.m. to 8 p.m., Saturday and Sunday from 10:30 a.m. to 7 p.m. Eastern Time", "email": "TURSSDispute@transunion.com", "postal": [ { "address": "TransUnion Rental Screening Solutions, Attention: Consumer Dispute Team, PO Box 800, Woodlyn, PA 19094", "what": null } ], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [ "https://www.mysmartmove.com/", "https://www.transunion.com/client-support/rental-screening-disputes", "https://www.transunion.com/client-support/rental-screening-public-records", "https://www.transunion.com/privacy/rental-screening-services" ], "note": "In TransUnion Rental Screening's own words, read on September 9, 2026: you can initiate a dispute directly with our Consumer Dispute Team.", "note_html": "In TransUnion Rental Screening's own words, read on September 9, 2026: you can initiate a dispute directly with our Consumer Dispute Team." }, "outcomes": { "window": "12 months to 2026-09-08", "complaints": null, "searched": [ "TransUnion Rental Screening Solutions, Inc.", "TransUnion Rental Screening Solutions" ], "note": "No CFPB record under any name a consumer would recognize. Searched on the CFPB's own company= filter, September 9, 2026.", "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site." }, "url": "https://screeningfacts.com/companies/transunion-rental" }, { "slug": "experian-rentbureau", "name": "Experian RentBureau", "category": "Tenant screening", "complaint_mentions": 75, "patterns": { "not_mine": 25, "eviction": 2, "paid_but_showing": 0, "dispute_ignored": 0, "denied_housing": 2, "denied_job": 0, "bank_account": 0 }, "route": { "dispute_url": "https://www.experian.com/rental-property-solutions/rentbureau/rental-history", "report_request_url": "https://www.experian.com/rental-property-solutions/rentbureau/rental-history", "phone": "1 877 704 4519", "phone_hours": null, "email": null, "postal": [ { "address": "P.O. Box 26, Allen, TX 75013", "what": null } ], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [ "https://www.experian.com/rental-property-solutions/rentbureau", "https://www.experian.com/rental-property-solutions/rentbureau/rental-history", "https://www.experian.com/content/dam/marketing/na/assets/im/rentbureau/news-releases/dispute_form.pdf", "https://www.experian.com/content/dam/marketing/na/assets/im/rentbureau/news-releases/request_form.pdf" ], "note": "In Experian RentBureau's own words, read on September 9, 2026: If you've reviewed your rental history and found an error, fill out and submit the form or call 1 877 704 4519.", "note_html": "In Experian RentBureau's own words, read on September 9, 2026: If you've reviewed your rental history and found an error, fill out and submit the form or call 1 877 704 4519.", "email_note": "not published on any Experian RentBureau-owned page we could read, checked 2026-09-09" }, "outcomes": { "window": "12 months to 2026-09-08", "complaints": null, "searched": [ "Experian RentBureau", "Experian RentBureau, Inc." ], "note": "No CFPB record under any name a consumer would recognize. Searched on the CFPB's own company= filter, September 9, 2026.", "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site." }, "url": "https://screeningfacts.com/companies/experian-rentbureau" }, { "slug": "appfolio", "name": "AppFolio", "category": "Property software + screening", "complaint_mentions": 289, "patterns": { "not_mine": 40, "eviction": 13, "paid_but_showing": 4, "dispute_ignored": 0, "denied_housing": 9, "denied_job": 5, "bank_account": 5 }, "route": { "dispute_url": "https://screenings.appfolio.com/consumer/inquiries/new", "report_request_url": "https://screenings.appfolio.com/consumer/inquiries/new", "phone": "(866) 359-3630", "phone_hours": null, "email": "screening.consumer.relations@appfolio.com", "postal": [ { "address": "Screening Consumer Relations, 70 Castilian Drive, Goleta, CA 93117", "what": null } ], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [ "https://www.appfolio.com/consumer", "https://www.appfolio.com/sitemap.xml", "https://www.appfolio.com/terms" ], "note": "In AppFolio's own words, read on September 9, 2026: Mail your request and details to: Screening Consumer Relations 70 Castilian Drive, Goleta, CA 93117", "note_html": "In AppFolio's own words, read on September 9, 2026: Mail your request and details to: Screening Consumer Relations 70 Castilian Drive, Goleta, CA 93117" }, "outcomes": { "window": "12 months to 2026-09-08", "cfpb_company_string": "AppFolio, Inc.", "complaints": 53, "closed": 53, "closed_with_relief": 0, "relief_rate_of_closed": 0, "peer_benchmark": { "equifax": 0.462, "transunion": 0.419, "experian": 0.06 }, "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site.", "query": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=&date_received_min=2025-09-08&date_received_max=2026-09-08&size=0&no_aggs=false", "caveat": "\"Closed with explanation\" is a response category, not a finding that the consumer was wrong. Relief rates here are complaints closed with relief divided by complaints closed; complaints still in progress and untimely responses are not closures." }, "url": "https://screeningfacts.com/companies/appfolio" }, { "slug": "saferent", "name": "SafeRent Solutions", "category": "Tenant screening", "complaint_mentions": 128, "patterns": { "not_mine": 19, "eviction": 11, "paid_but_showing": 4, "dispute_ignored": 1, "denied_housing": 6, "denied_job": 1, "bank_account": 0 }, "route": { "dispute_url": "https://saferentsolutions.com/consumer-support/", "report_request_url": "https://saferentsolutions.com/consumer-support/", "phone": "(888) 333-2413", "phone_hours": "Monday through Friday 8:00 A.M. to 6:00 P.M. Central Standard Time", "email": "Consumer@SafeRentSolutions.com", "postal": [ { "address": "SafeRent Solutions, LLC. Consumer Relations Department, P.O. Box 3890, Coppell, TX 75019", "what": null } ], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [ "https://www.saferentsolutions.com/", "https://saferentsolutions.com/consumer-support/", "http://saferentsolutions.com/wp-content/uploads/2024/02/DISPUTE-REQUEST-FORM.pdf", "http://saferentsolutions.com/wp-content/uploads/2026/03/Consumer-Disclosure-Request-Form-English-v6.pdf" ], "note": "In SafeRent Solutions's own words, read on September 9, 2026: Please send your completed form, along with the required identification by email to Consumer@SafeRentSolutions.com or by mail to:", "note_html": "In SafeRent Solutions's own words, read on September 9, 2026: Please send your completed form, along with the required identification by email to Consumer@SafeRentSolutions.com or by mail to:" }, "outcomes": { "window": "12 months to 2026-09-08", "complaints": null, "searched": [ "SafeRent Solutions, LLC", "SafeRent Solutions" ], "note": "No CFPB record under any name a consumer would recognize. Searched on the CFPB's own company= filter, September 9, 2026.", "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site." }, "url": "https://screeningfacts.com/companies/saferent" }, { "slug": "realpage", "name": "RealPage", "category": "Property software + screening", "complaint_mentions": 20, "patterns": { "not_mine": 3, "eviction": 1, "paid_but_showing": 1, "dispute_ignored": 1, "denied_housing": 2, "denied_job": 0, "bank_account": 0 }, "route": { "dispute_url": "https://www.realpage.com/support/consumer/", "report_request_url": "https://www.realpage.com/support/consumer/", "phone": "1-866-934-1124", "phone_hours": null, "email": "LDSConsumerInquiry@realpage.com", "postal": [ { "address": "LeasingDesk Screening, Attn: LeasingDesk Screening Consumer Relations, 2201 Lakeside Blvd., Richardson, TX 75082", "what": null } ], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [ "https://www.realpage.com/", "https://www.realpage.com/consumer-support/", "https://www.realpage.com/support/consumer/" ], "note": "In RealPage's own words, read on September 9, 2026: To do so, please complete and submit the Consumer Dispute Form.", "note_html": "In RealPage's own words, read on September 9, 2026: To do so, please complete and submit the Consumer Dispute Form." }, "outcomes": { "window": "12 months to 2026-09-08", "complaints": null, "searched": [ "RealPage, Inc.", "RealPage" ], "note": "No CFPB record under any name a consumer would recognize. Searched on the CFPB's own company= filter, September 9, 2026.", "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site." }, "url": "https://screeningfacts.com/companies/realpage" }, { "slug": "rentgrow", "name": "RentGrow", "category": "Tenant screening", "complaint_mentions": 15, "patterns": { "not_mine": 3, "eviction": 1, "paid_but_showing": 1, "dispute_ignored": 0, "denied_housing": 0, "denied_job": 0, "bank_account": 1 }, "route": { "dispute_url": "https://www.rentgrow.com/dispute-now/", "report_request_url": "https://www.rentgrow.com/request-now/", "phone": "(800) 898-1351", "phone_hours": null, "email": null, "postal": [ { "address": "RentGrow Consumer Relations, 177 Huntington Avenue, STE 1703 #74213, Boston, MA 02115-3153", "what": "send the completed Applicant Dispute Form and a legible copy of your government-issued ID" } ], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [ "https://www.rentgrow.com/", "https://www.rentgrow.com/dispute-now/" ], "note": "Read from RentGrow’s own dispute page on September 9, 2026, which said at the time: Certain functions on the RentGrow website are temporarily unavailable… You can also download the Dispute Form in PDF. Its dispute email address is served through a scrambler and does not render as text to any reader, ours included, so we are not printing an address we cannot read. The postal route and the telephone number above are printed in plain text on that same page. Its own words for what it will take: you believe the report contains information that does not belong to you or that it is old, out of date or has changed in some important way.", "note_html": "Read from RentGrow’s own dispute page on September 9, 2026, which said at the time: Certain functions on the RentGrow website are temporarily unavailable… You can also download the Dispute Form in PDF. Its dispute email address is served through a scrambler and does not render as text to any reader, ours included, so we are not printing an address we cannot read. The postal route and the telephone number above are printed in plain text on that same page. Its own words for what it will take: you believe the report contains information that does not belong to you or that it is old, out of date or has changed in some important way.", "email_note": "not published on any RentGrow-owned page we could read, checked 2026-09-09" }, "outcomes": { "window": "12 months to 2026-09-08", "complaints": null, "searched": [ "RentGrow, Inc.", "RentGrow", "Yardi Systems, Inc." ], "note": "No CFPB record under any name a consumer would recognize. Searched on the CFPB's own company= filter, September 9, 2026.", "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site." }, "url": "https://screeningfacts.com/companies/rentgrow" }, { "slug": "corelogic-rental", "name": "CoreLogic Rental Property Solutions", "category": "Tenant screening", "complaint_mentions": 13, "patterns": { "not_mine": 1, "eviction": 2, "paid_but_showing": 1, "dispute_ignored": 0, "denied_housing": 2, "denied_job": 0, "bank_account": 0 }, "route": { "dispute_url": "https://saferentsolutions.com/consumer-support/", "report_request_url": "https://saferentsolutions.com/consumer-support/", "phone": "(888) 333-2413", "phone_hours": "Monday through Friday 8:00 A.M. to 6:00 P.M. Central Standard Time", "email": "Consumer@SafeRentSolutions.com", "postal": [ { "address": "SafeRent Solutions, LLC. Consumer Relations Department, P.O. Box 3890, Coppell, TX 75019", "what": null } ], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [ "https://saferentsolutions.com/consumer-support/", "http://saferentsolutions.com/wp-content/uploads/2024/02/DISPUTE-REQUEST-FORM.pdf" ], "note": "In CoreLogic Rental Property Solutions's own words, read on September 9, 2026: SafeRent Solutions is a specialty consumer reporting agency as defined in the Fair Credit Reporting Act (603f).", "note_html": "In CoreLogic Rental Property Solutions's own words, read on September 9, 2026: SafeRent Solutions is a specialty consumer reporting agency as defined in the Fair Credit Reporting Act (603f)." }, "outcomes": { "window": "12 months to 2026-09-08", "cfpb_company_string": "CORELOGIC INC", "complaints": 2275, "closed": 2272, "closed_with_relief": 0, "relief_rate_of_closed": 0, "peer_benchmark": { "equifax": 0.462, "transunion": 0.419, "experian": 0.06 }, "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site.", "query": "https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=&date_received_min=2025-09-08&date_received_max=2026-09-08&size=0&no_aggs=false", "caveat": "\"Closed with explanation\" is a response category, not a finding that the consumer was wrong. Relief rates here are complaints closed with relief divided by complaints closed; complaints still in progress and untimely responses are not closures." }, "url": "https://screeningfacts.com/companies/corelogic-rental" }, { "slug": "sterling", "name": "Sterling", "category": "Employment screening", "complaint_mentions": 584, "patterns": { "not_mine": 106, "eviction": 0, "paid_but_showing": 0, "dispute_ignored": 1, "denied_housing": 0, "denied_job": 51, "bank_account": 3 }, "route": { "dispute_url": "https://www.sterlingcheck.com/about-sterling/fact-act-disclosure/", "report_request_url": "https://www.sterlingcheck.com/about-sterling/fact-act-disclosure/", "phone": "800.845.6004", "phone_hours": null, "email": null, "postal": [], "arbitration_optout": null, "route_checked": "2026-09-09", "route_source": [ "https://www.sterlingcheck.com/", "https://www.sterlingcheck.com/candidates/", "https://www.sterlingcheck.com/about-sterling/fact-act-disclosure/" ], "note": "Sterling is now a First Advantage company, and this matters for where you write. Sterling's own candidate pages carry the title Candidates | First Advantage, and its own footer link for candidates points at fadv.com. Its US FACT Act disclosure page, read on September 9, 2026, names First Advantage Background Services Corp. as the company holding the record and gives one route for both a free copy and a reinvestigation: the telephone number above. We are deliberately not printing a postal address here. The only address on that page appears under a heading for New Mexico consumers filing an identity-theft declaration of removal; it is not published as a general dispute address, and presenting it as one would be us inventing a route.", "note_html": "Sterling is now a First Advantage company, and this matters for where you write. Sterling's own candidate pages carry the title Candidates | First Advantage, and its own footer link for candidates points at fadv.com. Its US FACT Act disclosure page, read on September 9, 2026, names First Advantage Background Services Corp. as the company holding the record and gives one route for both a free copy and a reinvestigation: the telephone number above. We are deliberately not printing a postal address here. The only address on that page appears under a heading for New Mexico consumers filing an identity-theft declaration of removal; it is not published as a general dispute address, and presenting it as one would be us inventing a route.", "email_note": "not published on any Sterling-owned page we could read, checked 2026-09-09" }, "outcomes": { "window": "12 months to 2026-09-08", "complaints": null, "searched": [ "Sterling Infosystems, Inc.", "Sterling", "Sterling Check Corp." ], "note": "No CFPB record under any name a consumer would recognize, searched September 9, 2026.", "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site." }, "url": "https://screeningfacts.com/companies/sterling" }, { "slug": "national-tenant-network", "name": "National Tenant Network", "category": "Tenant screening", "complaint_mentions": 0, "patterns": {}, "route": { "dispute_url": "https://ntnonline.com/consumers/", "report_request_url": null, "phone": "1-800-228-0989", "phone_hours": null, "email": "consumerrelations@ntnonline.com", "postal": [ { "address": "National Tenant Network, Inc., Consumer Relations Department, PO Box 1664, Lake Oswego, Oregon 97035", "what": "mail the signed Consumer Disclosure Request form with a photocopy of your government-issued photo ID" } ], "arbitration_optout": null, "route_checked": "2026-09-22", "route_source": [ "https://ntnonline.com/consumers/" ], "note": "In National Tenant Network’s own words, read on September 22, 2026: To ensure your privacy, we are unable to discuss your consumer file with you unless we have a written disclosure request and sufficient information verifying your identity. That sentence is why the telephone line above will not read your file to you, and why the form is the route that moves anything. The form is the Consumer Disclosure Request packet, the PDF linked under Resources on that same page and read the same day; it gives the postal address above and says the disclosure is sent within fourteen business days of receiving it.", "note_html": "In National Tenant Network’s own words, read on September 22, 2026: To ensure your privacy, we are unable to discuss your consumer file with you unless we have a written disclosure request and sufficient information verifying your identity. That sentence is why the telephone line above will not read your file to you, and why the form is the route that moves anything. The form is the Consumer Disclosure Request packet, the PDF linked under Resources on that same page and read the same day; it gives the postal address above and says the disclosure is sent within fourteen business days of receiving it.", "_method": "Every field here was read from National Tenant Network’s own consumer page and the Consumer Disclosure Request packet linked from it, on September 22, 2026. report_request_url is empty because NTN publishes no separate request page: the packet on the consumer page is the request route, and the dispute link above is that page. phone_hours and arbitration_optout are empty because NTN publishes neither on any page of its own we could read that day. Nothing here is copied from a third party and nothing is inferred." }, "outcomes": { "window": "12 months to 2026-09-08", "complaints": null, "searched": [ "National Tenant Network, Inc.", "National Tenant Network", "NATIONAL TENANT NETWORK" ], "note": "No CFPB record under any name a consumer would recognize. Searched on the CFPB's own case-sensitive company= filter on September 22, 2026, and on the CFPB's own company-name suggester, which returned nothing for any form of the name.", "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site." }, "url": "https://screeningfacts.com/companies/national-tenant-network" }, { "slug": "shield-screening", "name": "Shield Screening", "category": "Employment screening", "complaint_mentions": 0, "patterns": {}, "route": { "dispute_url": "https://compliance.shieldscreening.com/", "report_request_url": "https://compliance.shieldscreening.com/", "phone": "1-800-260-3738", "phone_hours": null, "email": "customercare@shieldscreening.com", "postal": [], "arbitration_optout": null, "route_checked": "2026-09-22", "route_source": [ "https://www.shieldscreening.com/consumer-corner/", "https://www.shieldscreening.com/contact/", "https://www.shieldscreening.com/privacy-policy/" ], "note": "In Shield Screening's own words on its Consumer Corner page, read on September 22, 2026: We make it easy to file a dispute to report inaccurate information on consumer reports. One click begins the simple process. Its dispute link and its report-request link open the same portal, the one above, so you are in the right place either way. We are deliberately printing no postal address. The only address on any Shield Screening page we could read that day belongs to its parent's Privacy Officer and is published for privacy complaints, not for consumer disputes; sending a dispute there would be us inventing a route.", "note_html": "In Shield Screening's own words on its Consumer Corner page, read on September 22, 2026: We make it easy to file a dispute to report inaccurate information on consumer reports. One click begins the simple process. Its dispute link and its report-request link open the same portal, the one above, so you are in the right place either way. We are deliberately printing no postal address. The only address on any Shield Screening page we could read that day belongs to its parent's Privacy Officer and is published for privacy complaints, not for consumer disputes; sending a dispute there would be us inventing a route.", "_method": "Telephone, email, dispute portal and report-request portal were read from Shield Screening's own Consumer Corner and Contact pages on September 22, 2026. postal is empty on purpose and the note says why. phone_hours and arbitration_optout are empty because the company publishes neither." }, "outcomes": { "window": "12 months to 2026-09-08", "complaints": null, "searched": [ "Shield Screening", "Shield Screen, LLC", "SHIELD SCREENING" ], "note": "No CFPB record under any name a consumer would recognize. Searched on the CFPB's own case-sensitive company= filter on September 22, 2026, and on the CFPB's own company-name suggester, which returned nothing for any form of the name.", "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site." }, "url": "https://screeningfacts.com/companies/shield-screening" }, { "slug": "universal-background-screening", "name": "Universal Background Screening", "category": "Employment screening", "complaint_mentions": 0, "patterns": {}, "route": { "dispute_url": "https://universalbackground.com/contact-client/", "report_request_url": "https://universalbackground.com/contact-client/", "phone": "877-263-8033", "phone_hours": null, "email": "info@universalbackground.com", "postal": [ { "address": "Universal Background Screening, 7720 North 16th Street, Suite 450, Phoenix, AZ 85020", "what": null } ], "arbitration_optout": null, "route_checked": "2026-09-22", "route_source": [ "https://universalbackground.com/contact-universal/", "https://universalbackground.com/contact-client/" ], "note": "In Universal Background Screening's own words, read on September 22, 2026: If you are a current client or applicant, you may contact Universal Background Screening's Customer Service Department at 877-263-8033 or visit our Customer Service page. There is no separate consumer-dispute page and no separate applicant line on any page of theirs we could read that day: that one number, the Customer Service form above and the postal address are the whole published route. The login a searcher is often after is a client login, not a place a candidate reads their own report.", "note_html": "In Universal Background Screening's own words, read on September 22, 2026: If you are a current client or applicant, you may contact Universal Background Screening's Customer Service Department at 877-263-8033 or visit our Customer Service page. There is no separate consumer-dispute page and no separate applicant line on any page of theirs we could read that day: that one number, the Customer Service form above and the postal address are the whole published route. The login a searcher is often after is a client login, not a place a candidate reads their own report.", "_method": "Telephone, email, postal address and the Customer Service route were read from Universal Background Screening's own contact pages on September 22, 2026. phone_hours and arbitration_optout are empty because the company publishes neither. There is no dedicated consumer-dispute URL to record, and the note says so rather than pointing at a page that does not exist." }, "outcomes": { "window": "12 months to 2026-09-08", "complaints": null, "searched": [ "Universal Background Screening, Inc.", "Universal Background Screening", "UNIVERSAL BACKGROUND SCREENING" ], "note": "No CFPB record under any name a consumer would recognize. Searched on the CFPB's own case-sensitive company= filter on September 22, 2026, and on the CFPB's own company-name suggester, which returned nothing for any form of the name.", "method": "CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own exact company= filter (case-sensitive). Complaints attributed by the CFPB to that company - a different instrument from the narrative text mentions published elsewhere on this site." }, "url": "https://screeningfacts.com/companies/universal-background-screening" } ], "situations": [ { "slug": "eviction-on-my-record-is-not-mine", "headline": "There's an eviction on my record — and it isn't mine", "likely_companies": [ "lexisnexis-risk", "saferent", "transunion-rental" ], "evidence": [ "Your ID and proof of your addresses for the period in question (leases, utility bills)", "The actual court record if you can pull it — the mismatched details are your proof", "The screening report itself, requested free after the denial" ], "first_move": "Request your free report copy from the screening company named in your denial (you have to be told who they are — ask in writing if the landlord didn't say). Then dispute in writing: identify the eviction entry, state plainly \"this record belongs to a different person,\" attach the mismatch evidence, and ask for deletion. The company must investigate — typically within 30 days — and delete what it can't verify as yours.", "url": "https://screeningfacts.com/eviction-on-my-record-is-not-mine" }, { "slug": "eviction-case-dismissed-but-still-showing", "headline": "My eviction case was dismissed — but it still shows up", "likely_companies": [ "lexisnexis-risk", "saferent", "corelogic-rental" ], "evidence": [ "The court disposition document (the clerk's office can provide a certified copy)", "The screening report showing how the case is being described" ], "first_move": "Get the disposition from the court first — it's the whole dispute. Then send the screening company a written dispute: the entry, the actual outcome, the document attached, and a request to correct or delete. If the case was sealed or expunged, say so explicitly; sealed records generally shouldn't be reported at all.", "url": "https://screeningfacts.com/eviction-case-dismissed-but-still-showing" }, { "slug": "paid-debt-still-on-screening-report", "headline": "I paid that debt — it's still showing as owed", "likely_companies": [ "lexisnexis-risk", "experian-rentbureau", "transunion-rental" ], "evidence": [ "Proof of payment or settlement (the date matters — get it in writing if you only have a verbal settlement)", "The report entry showing the debt as open" ], "first_move": "Dispute in writing with the proof attached: identify the entry, state the debt was paid on [date], request the entry be updated or deleted. If a collection agency reported it, dispute with the screening company anyway — they carry the legal duty to investigate what they publish.", "url": "https://screeningfacts.com/paid-debt-still-on-screening-report" }, { "slug": "denied-apartment-no-reason-given", "headline": "I was denied and nobody told me why", "likely_companies": [ "saferent", "realpage", "rentgrow", "appfolio" ], "evidence": [ "Your application and the rejection message, however informal", "A written request to the landlord asking whether a consumer report was used and by which company" ], "first_move": "Email the landlord or agent: \"Was my application declined based in whole or in part on a consumer report? If so, please identify the reporting company, as required under the Fair Credit Reporting Act.\" Keep it polite and keep the reply — then you can request your free report copy — the real answer is in there.", "url": "https://screeningfacts.com/denied-apartment-no-reason-given" }, { "slug": "background-check-cost-me-the-job", "headline": "A background check cost me the job", "likely_companies": [ "firstadvantage", "checkr", "hireright" ], "evidence": [ "The job offer or interview record and the withdrawal message", "The report copy — from the employer's pre-adverse-action notice, or requested free from the screening company", "For record errors: court documents showing the true disposition, or identity documents showing a mismatch" ], "first_move": "If you got a pre-adverse-action letter, respond inside the window it gives: dispute the wrong entry with the screening company immediately and tell the employer a dispute is underway — investigations move faster when a job hangs on them. If you got nothing, request your free report from the checker named or from the major employment screeners directly, and dispute what's wrong in writing.", "url": "https://screeningfacts.com/background-check-cost-me-the-job" }, { "slug": "bank-account-denied-chexsystems", "headline": "The bank won't open an account for me", "likely_companies": [ "chexsystems", "earlywarning" ], "evidence": [ "The denial letter (it should name the database used)", "Your free consumer disclosure from ChexSystems and Early Warning — request both; you're entitled to them", "For paid/settled items: proof of payment; for unknown items: identity documents" ], "first_move": "Request your file from both companies — after a denial the copy is free. Read every entry. Dispute what's wrong in writing with evidence; for accurate old items, many banks offer \"second chance\" checking accounts while the old record expires over time, so ask specifically for one.", "url": "https://screeningfacts.com/bank-account-denied-chexsystems" }, { "slug": "criminal-record-on-report-not-mine", "headline": "The check shows a criminal record — I don't have one", "likely_companies": [ "firstadvantage", "checkr", "lexisnexis-risk" ], "evidence": [ "Your identity documents", "The report entry with its identifying details", "If obtainable, the court record of the actual case showing the other person's identifiers" ], "first_move": "Dispute with the screening company in writing: \"This record belongs to a different individual\" plus every identifier that doesn't match. Ask what matching criteria were used. Request deletion, not just annotation. If a job is at stake, tell the employer a mixed-file dispute is in progress and ask them to hold the decision.", "url": "https://screeningfacts.com/criminal-record-on-report-not-mine" }, { "slug": "tenant-score-too-low-to-rent", "headline": "They said my 'score' was too low — what score?", "likely_companies": [ "saferent", "transunion-rental", "realpage" ], "evidence": [ "The adverse-action notice naming the screening company", "Your free report copy — request it; the score's inputs are in there" ], "first_move": "Request the report behind the score from the company named in your denial. Go through it line by line against your own records. Dispute every inaccurate input in writing with evidence. If everything is accurate, the honest path is different: bigger deposit offers, a co-signer, landlord references, and applying with smaller landlords who read applications instead of scores.", "url": "https://screeningfacts.com/tenant-score-too-low-to-rent" } ], "notice": "Free with attribution — the citation object says how. Building on this endpoint? Write to hello@getaxionlabs.com (a person answers) and tell us the field you need; we build it." }