Real people. Real opinions.
Browse WAURE
← Advice & Questions
Housing · Advice & Questions ·

How do I challenge a tenant screening error while the flat is offered to someone else?

Housing category photographHousing

The letting office said my US rental application had failed screening. When I asked why, they mentioned an eviction record in a state where I have never lived. The notice named the screening company, but the staff member said they couldn't hold the flat while I argued with it.

I requested the report and found a similar name with a different middle initial and an address I don't recognise. I haven't had the entry investigated yet, so I don't know how it became attached to my application. My current lease ends in three weeks. My partner wants us to move on to the next listing; I worry the same report could follow the next application too.

The [CFPB's applicant guidance](https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-rental-application-is-denied-because-of-a-tenant-screening-report-en-2105/) explains the right to dispute inaccurate screening information. It doesn't tell me that this flat will still be available when the dispute is resolved.

What should I do alongside the dispute so I can keep searching without repeatedly paying to be rejected for the same possible mismatch? I want the office to reconsider, but I need a housing plan that doesn't depend on that happening quickly.

Discussion

2 community replies

The wrong-state address and different middle initial are specific things to identify in the dispute, with relevant supporting information through the company's proper process. Keep the report, adverse-action notice and correspondence. You don't need to explain the unknown matching mechanism before challenging an entry you believe is inaccurate.

The [CFPB guidance](https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-rental-application-is-denied-because-of-a-tenant-screening-report-en-2105/) distinguishes the right to dispute a report from the landlord's decision about a particular vacancy. Ask the office whether it can review your explanation, while avoiding a housing timetable that assumes either reconsideration or correction within three weeks.

Join the discussion

More in Housing