You have been told to contact National Tenant Network.
10,333 complaints about six specialty screening companies reached the federal regulator in twelve months, and not one of them was closed with any relief for the person who complained.
Read from National Tenant Network's own pages on September 22, 2026: ntnonline.com/consumers/. If any of this has changed, write to hello@getaxionlabs.com and we will fix it the same day and re-date this block.
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.
Send it a way you can prove. A portal upload gives you a confirmation screen — screenshot it the moment it appears. A letter sent by USPS Certified Mail with return receipt costs a few dollars and turns “I sent it” into a date-stamped fact. Do both if you can.
“Credit check shows eviction, but I wasn't actually evicted.”
We hear this most. a thread title on r/personalfinance, read September 3, 2026 — not about this company, but about this kind of report.
Below is everything National Tenant Network actually publishes for a consumer — and everything it does not — each with the date we read it from National Tenant Network's own pages.
If a National Tenant Network report is why you were turned down, three dates matter and nothing else does. You have 60 days from the letter to ask National Tenant Network for a free copy of it. Once you dispute something in that copy, National Tenant Network has 30 days to investigate — 45 days if you send more evidence part-way through — and it has to correct or delete whatever it cannot verify.
Here is the one number that tells you which route is worth your evening. Over the same twelve months, on the same regulator, Equifax closed 46% of the complaints it closed with relief and TransUnion 42%. So a complaint to the regulator is not the thing that moves this. The clock is, and the clock is in the statute.
We publish no complaint-mention count for National Tenant Network, and that is a statement about our instrument rather than about this company. Our counts come from one full-text scan of the CFPB complaint bulk file, and that scan covered the company names this site held on the day it ran. This one was added afterwards. The route above, and the federal complaint record below, do not depend on that scan at all.
Put your date in, get your deadlines →Telephone: 1-800-228-0989. Email: consumerrelations@ntnonline.com. Read on September 22, 2026 from National Tenant Network's own pages, starting at ntnonline.com/consumers/.
The channel that starts the clock is the written one: ntnonline.com/consumers/, or consumerrelations@ntnonline.com, or by post to National Tenant Network, Inc., Consumer Relations Department, PO Box 1664, Lake Oswego, Oregon 97035. A telephone call leaves you nothing to show; a dated written dispute gives National Tenant Network thirty days to investigate it.
If any of this has changed, write to hello@getaxionlabs.com and we will fix it the same day and re-date this block.
You now have National Tenant Network's address, the channel that starts the clock, and the date each of the three clocks runs out — and you know exactly what National Tenant Network does not publish. Nothing on this page is for sale, and nothing on this site is: your report and your dispute are free by law.
All of that is free apart from postage if you post it. There is a copy-paste letter on every situation page, and the deadline calculator below turns your letter's date into real dates.
Free, and it stays free. Nothing here sits behind a payment, an account, or a form — and we never ask for your name, your Social Security number, or your case. The tools here run entirely in your browser; we never see your answers.
Your letter may not say "National Tenant Network". This company also appears as: NTN. If any of those is what you read, you are in the right place.
A tenant-screening consumer reporting agency that landlords and property managers buy resident reports from, and a company plenty of people meet only as the letters NTN on a denial. In its own words on its consumer page, it is a consumer reporting agency that assembles and evaluates consumer information and reports it to subscribers for residential screening, and the information it holds comes from sources such as public records and landlord-tenant court filings.
We publish no complaint-mention count for National Tenant Network. Our mention counts come from one full-text scan of the CFPB complaint bulk file, and that scan covered the company names this site held on the day it ran; National Tenant Network was added afterwards and has not been through it. The honest figure is therefore no figure, not an estimate, and it will be filled the next time the scan runs. Your rights against National Tenant Network are the same either way, and the route above is where they start.
We searched the CFPB's own company filter for National Tenant Network, Inc., National Tenant Network, NATIONAL TENANT NETWORK and every one of them returns no complaints at all in the twelve months to the date below.
Read that carefully, because it is not a clean record. It is an absence. A company that decides rental and hiring applications and does not appear in the federal complaint system under a name a consumer would recognize is a company the regulator route reaches less easily, not one that generates fewer problems. Your dispute rights are identical either way, and they are the part that works: they run against National Tenant Network directly, on a clock in the statute.
And for the companies that do have a row, the same instrument says this: 10,333 complaints about six specialty screening companies reached the federal regulator in twelve months, and not one of them was closed with any relief for the person who complained. Over the same twelve months, on the same regulator, Equifax closed 46% of the complaints it closed with relief and TransUnion 42%. So a complaint to the regulator is not the thing that moves this. The clock is, and the clock is in the statute.
"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.
CFPB Consumer Complaint Database, company_response aggregation on the CFPB's own case-sensitive company= filter, 12 months to 2026-09-08, checked September 9, 2026. Re-run it yourself: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=<EXACT CFPB STRING>&date_received_min=2025-09-08&date_received_max=2026-09-08&size=0&no_aggs=false — the endpoint is the CFPB's own complaint search API, and the one part you substitute is the company string above.
Request your free consumer file from National Tenant Network at ntnonline.com after an adverse action; the Consumer Disclosure Request packet on its consumer page is the form it wants back. After any adverse action you're entitled to a free copy under the FCRA — you never need to pay a third party to obtain it. The CFPB also keeps the authoritative directory of consumer reporting companies and their contact routes at consumerfinance.gov.
| When | What happens | Whose move |
|---|---|---|
| Day 0 | Adverse action — you are denied, or offered worse terms, because of a consumer report. You must be told this happened and told which company supplied the report. | The landlord, employer or bank |
| Days 0–60 | Request your free copy of that report from the screening company. Federal law says within 60 days of the adverse action. It is the actual report, not the landlord's summary. | You |
| Day X | Read it line by line against your own records and dispute every inaccurate item in writing, with copies of your evidence attached. The dispute is free. | You |
| +30 days | The screening company is generally required to investigate and to correct or delete what it cannot verify. Typically 30 days from receiving your dispute. | The screening company |
| +45 days | The same, extended, where you supplied additional information during the investigation. | The screening company |
| After | If they verify something you know is wrong: add a statement of dispute to your file, complain free to the CFPB at consumerfinance.gov (companies must respond), and to your state attorney general. | You |
Every step above is free. Anyone charging you to exercise these rights is selling you a letter you can write yourself.
Where these dates come from, so you can check them yourself rather than take our word for it. 15 U.S.C. §1681j is the free-copy section: it gives you the report without charge if you ask within 60 days of the adverse-action notice, and one free file disclosure every 12 months besides. 15 U.S.C. §1681i is the dispute section: the screening company gets 30 days to reinvestigate, extended by up to 15 further days — 45 days in total — if you send relevant information while it is running. 15 U.S.C. §1681m is the notice section: the adverse-action notice you were sent is required to include an indication of that 60-day period. Plain-English versions of the same rules: FTC, free credit reports and FTC, disputing errors on your credit report.
The clocks are fixed: 60 days from the adverse action to request your free report copy, then 30 days for the screening company to conclude a dispute investigation — 45 days if you send additional information while it is running. Put the date on your denial letter in and get the actual dates.
Runs entirely in your browser — the date is never sent to us and never stored. General information based on FCRA consumer rights as explained in FTC and CFPB guidance, checked 2026-09-06. Your denial letter and the agencies' own pages govern your case.
Waiting on a check right now? How long a background check takes, and the three dates that are actually in the statute. Which of the two companies can fix which thing.
Stopped by one of these? Uber · DoorDash · Instacart · Amazon · Walmart · FedEx — each one carries the route to whichever screener is named on your own notice.
Full plain-English walkthrough on our home page.
Disputes fix errors. They don't erase history that's true — accurate records survive investigation. If the record is real, what helps is settling and documenting it, second-chance programs, and time. We built this site for honest people hit by wrong records.
A tenant-screening consumer reporting agency that landlords and property managers buy resident reports from, and a company plenty of people meet only as the letters NTN on a denial. In its own words on its consumer page, it is a consumer reporting agency that assembles and evaluates consumer information and reports it to subscribers for residential screening, and the information it holds comes from sources such as public records and landlord-tenant court filings. It is a consumer reporting company under the Fair Credit Reporting Act, which means the file it holds on you is yours to see and yours to dispute.
NTN is the same operation as National Tenant Network. Screening companies frequently appear on a denial letter under a product name, a former name, or the name of the platform the landlord or employer used, so the name you read is often not the name that holds your file. Request your report from National Tenant Network whichever version appeared on your letter.
We publish no complaint-mention count for National Tenant Network. Our mention counts come from one full-text scan of the CFPB complaint bulk file, and that scan covered the company names this site held on the day it ran; National Tenant Network was added afterwards and has not been through it. The honest figure is therefore no figure, not an estimate, and it will be filled the next time the scan runs. Your rights against National Tenant Network are the same either way, and the route above is where they start.
We publish no complaint-mention count for National Tenant Network. Our mention counts come from one full-text scan of the CFPB complaint bulk file, and that scan covered the company names this site held on the day it ran; National Tenant Network was added afterwards and has not been through it. The honest figure is therefore no figure, not an estimate, and it will be filled the next time the scan runs. Your rights against National Tenant Network are the same either way, and the route above is where they start.
Request your free consumer file from National Tenant Network at ntnonline.com after an adverse action; the Consumer Disclosure Request packet on its consumer page is the form it wants back. After any adverse action you are entitled to a free copy under the Fair Credit Reporting Act — federal law says request it within 60 days — and you never need to pay a third party to obtain it.
Typically 30 days from when National Tenant Network receives your written dispute, or 45 days where you supply additional information while the investigation is running. It must correct or delete what it cannot verify, and the investigation is free.
Then a dispute will not remove it, and this site will not pretend otherwise. Disputes fix errors: records that are not yours, debts you paid, cases that were dismissed. If you know the record is wrong and it was verified anyway, you can add a statement of dispute to your file, complain free to the CFPB at consumerfinance.gov — companies are required to respond — and to your state attorney general. If the record is genuinely accurate, what helps is settling and documenting it, second-chance rental and hiring programs, and time.
The hardest part of this is almost never the letter. It is the hour when you cannot find a phone number, the portal will not let you in, and the people who made the decision point at National Tenant Network while National Tenant Network points back at them. Write anyway, and write to both. A dated letter that somebody has to answer beats an hour on hold that leaves you nothing to show, and it is the only thing that starts a clock the law will hold them to.
— Andrew at Axion Labs. Write to me at hello@getaxionlabs.com if a page here is wrong or a step does not work. I read that inbox.Counts are complaint rows in the federal CFPB Consumer Complaint Database whose text mentions the company (case-insensitive scan of 28.4 million rows, 2026-09-06). Text mentions, not official per-company tallies — treat them as a relative signal of where consumers report problems. Source: files.consumerfinance.gov bulk data. Company descriptions checked August 2026. This is general information, not legal advice.
Thank you. That goes straight to the person who writes these pages.
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