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Tenant wants his credit report take off. - Landlord Forum thread 354927







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Tenant wants his credit report take off. by Anonymous on November 6, 2017 @10:28

                              
A homeowner want to rent my apt because he was separating from his wife.
He liked the apt.
Send the rental application authorizing to run the credit report. He did not pay the credit report.
His credit came out good and he was approved for the apt.

Now he sent me an email " I was informed that someone has looked at my credit from Rentgro.. If this was you I never gave you the money to run credit and it was in my report.
The other reason is that things have changed and I am keeping my house for reasons..so I will not be renting..
also please call Rentgro to take it off credit report."


I called the credit report agency and said they do not take off any credit report once is run.

They suggest to contact landlord association and see what should be done.

Please, give your sincere advise and constructive response.
thank you.
what do you think is the best way to handle this Issue?
[ Reply ] [ Return to forum ]

Re: Tenant wants his credit report take off. by Anonymous on November 6, 2017 @11:00 [ Reply ]
How was the report generated if no one paid for it?
Re: Tenant wants his credit report take off. by AnonymousFL on November 6, 2017 @11:22 [ Reply ]
Do you have anything that informed your applicant that you run a credit report as part of the processing of the application? If so, refer him to it. If you do not have a rental criteria notice, I suggest you create one and give it out with future applications. It is important that you have something in writing from the application that says you have permission to check credit as well as other information.

Either way, apologize to the applicant and say that you are sorry that it was not communicated more effectively as to the inquiries that would be made to process the application. Also tell him that you looked into having the check removed from the report, but it is beyond your control to do anything there.

Also, if credit reports cost money, you would be better off not accepting future applications if they do not pay the fee. The fee payment shows you that they are serious about renting the unit.
Re: Tenant wants his credit report take off. by EM (TX) on November 6, 2017 @11:58 [ Reply ]
Here's how I'd handle it: ignore it and do nothing. You don't owe him anything. Just stop taking his phone calls and ignore him. He'll go away eventually.
Re: Tenant wants his credit report take off. by Anonymous on November 6, 2017 @12:06 [ Reply ]
So basically you have ran the applicants credit report without any payment. The applicant changed his mind and did not pay the fee. You should never had ran anyone's credit report without full payment in advance. Just because he signed authorizing to run it, the fact that no payment was made, means the authorization was incomplete and no action should have been taken.
Re: Tenant wants his credit report take off. by Anonymous on November 6, 2017 @12:28 [ Reply ]
Even with the written authorization, you failed to receive the associated fee that is required to run the credit report. This is a violation of the "Fair Credit Reporting Act".

The fact that you willfully ran the report without payment could subject you to penalties or statutory damages between $100 and $1,000. So do not throw away or misplace that application form he signed just in case this comes back to bite you. Never run any applicants credit report without authorization and payment if payment is required by the tenant. You broke your own policy if the fee was required with the authorization.

Hopefully, most inquires drop off in 12 months or so.

Do not ignore his calls as that will just escalate the issue. Just explain that he signed the authorization form and that was permission to run the report. Just be honest and truthful to avoid aggravating the applicant. You do not want him filing a complaint with the FCRA.
Re: Tenant wants his credit report take off. by Anonymous on November 6, 2017 @14:19 [ Reply ]
"please call Rentgro to take it off credit report."

You did what he asked. Called Rentgo. IF HE CALLS YOU BACK, tell him what they said.

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