National Tenant Network NTN Screening Report – Dispute False Info or Errors
Unfair Tenant Background Checks: Know Your Rights
National Tenant Network or NTN is one of numerous tenant screening background check agencies you’re likely to face during your rental apartment search. Find out who they are, what they do, and what rights you have under the Fair Credit Reporting Act (FCRA)
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What is National Tenant Network – NTN?
National Tenant Network, Inc. or NTN was founded in 1980, and is based in Oregon. The company offers tenant background screening services to property owners and managers. According to its website, National Tenant Network, or NTN, is the “solution” to the problem of the “millions of dollars” that are “lost each year due in part to rent delinquency, tenant damage to property and evictions.” National Tenant Network chalks its “longevity and continued to success” to its “emphasis on risk mitigation, asset protection and superior customer service…” The company boasts that it is the “nation’s oldest resident screening company” and “serves subscribers nationwide from over 35 regional offices.”
The company’s tenant screening offerings include criminal records searches, credit reports, eviction reports, employment, and rental history verifications. NTN also offers composite tenant scores based on an applicant’s background and corresponding rental analysis results.
National Tenant Network, Inc. P.O. Box 1664 Lake Oswego, OR 97035
Housing is a basic need. Whether you are approved to rent or lease a house or apartment often depends on the information learned from a tenant screening report. A tenant screening report can come in many shapes and sizes. It may be as simple as verifying your social security number. Or it may include a detailed report of your credit and criminal history, or even information gathered from interviews of your prior landlords, neighbors,or friends about your rental and rent payment history or your character and reputation.
Whatever the scope of the background check, the FCRA sets strict standards for how landlords and tenant screening companies get consent for and conduct background checks, and what they can do with the information they find.
If a tenant screening company like NTN fails to meet those standards, the FCRA gives you rights.
If you feel you have been harmed by this Tenant Screening Agency, click 844-685-9200 ☎ NOW to call us or go ahead and fill out our Contact Form. We will fight for your rights. Our services are absolutely FREE to you.
What are my Tenant Screening Report Disclosure and Consent Rights?
You have a right to know if a landlord uses information from a tenant screening report against you and a landlord cannot obtain screening information from a tenant screening company unless the landlord certifies that it will only use the report for housing purposes.
If a landlord takes “adverse action” against you either by denying your rental application or imposing more stringent rental conditions on you (e.g., requiring a co-signer, a higher deposit or increased rent) based partly or completely on information in a tenant screening report, the landlord must give you notice of that fact. The adverse action notice must include the contact information for the tenant screening company and an explanation of your rights to dispute the report.
Your Right to an Accurate and Legally-Compliant Report
A tenant screening company must take reasonable steps to ensure its report is as accurate as possible.
The FCRA also puts limits on the negative information a tenant screening report can include. A report cannot list civil suits, judgments, arrest records, paid tax liens, accounts in collection or most other negative information (except criminal convictions) after 7 years, or bankruptcies after 10 years. It also cannot list expunged convictions
Your Right to Dispute an Unfair Screening Report from National Tenant Network
If your rental application is denied or a landlord or property management company imposes more stringent conditions on your application because of information in a tenant screening report, you are entitled to a copy of the report. You also have the right to dispute the report if it has errors or includes information it shouldn’t.
If you dispute a report, the tenant screening company must investigate and correct any errors within 30 days.
Your Right to Sue National Tenant Network if your report includes inaccurate or illegal info
If you were denied rental housing or subjected to more stringent financial or other conditions to rent a house or apartment because a tenant screening report included inaccurate or illegal information, you may be able to sue in federal court. If you sue and win, you may be entitled to your actual damages or statutory damages up to $1,000, plus punitive damages, attorneys’ fees, and costs.
Honest, hardworking people just like you who lost housing opportunities due to inaccurate or unfair National Tenant Network tenant screening reports have already sued the company for FCRA violations. Justia lists at least 13 federal civil lawsuits against NTN, including cases that allege violations of the FCRA due to improper tenant screening reports.
For example, in 2015, a consumer sued National Tenant Network in the federal district court for the District of New Jersey for violating the FCRA in connection with a tenant screening report and alleged that she was denied housing opportunities and suffered damages. The complainant alleged that National Tenant Network prepared tenant screening reports about her but failed to use reasonable procedures to ensure the maximum accuracy possible of the report as the FCRA requires and failed to comply with its other obligations under the FCRA. According to the complainant, National Tenant Network created “a false tenant history labeling [her] as a person with a long history of evictions, criminal offenses and inaccurate personal identifying information.” The complainant alleged that the “inaccurate information includes, but is not limited to, numerous evictions and a criminal record” that did not belong to her, but to someone with a similar name. As a direct result of the inaccurate screening report, the complainant was denied rental opportunities for which she had applied. When the complainant obtained a copy of the report, she learned that the information in it was not based on actual public records from the source, but from other “vendors” and National Tenant Network “conceal[ed]” the actual sources of the information in its reports.
This is just one of the federal civil FCRA lawsuits filed against National Tenant Network. Most of those lawsuits allege that NTN did not take reasonable steps to verify criminal background information and, as a result, falsely branded the complainants as convicted felons and caused them to lose housing opportunities.
Ready to Assert Your FCRA Rights?
Denied Housing because of a National Tenant Network Screening Report? If so, you’re in the right place.
● Our 12-year track record of helping hardworking, regular people just like you speaks for itself. We have the experience, knowledge, and dedication to get you the best results possible. ● We’ve helped more than 25,000 consumers recover more than $50 million. ● We work to restore your reputation and get you the compensation you deserve. You focus on living your life. ● We care because we know what it’s like to lose out on a job because a faceless company didn’t follow the law. ● We will fight hard for you and won’t stop. We are not afraid to stand up to big, powerful companies. That’s what we do. ● It won’t cost you a penny out of pocket – you pay nothing until we win money for you.
Our mission is to fight for your rights. ✊
If you’re ready to assert your rights and fight incorrect information in your tenant screening report, we can help you get justice. Complete our form for a FREE case evaluation, or call 844-685-9200 NOW
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.