TransUnion Rental Screening Solutions (TURSS) is a wholly owned subsidiary of TransUnion LLC. TURSS has a product that it markets to landlords and tenants called SmartMove. SmartMove provides background checks, credit reports, criminal history and rental history to landlords and real estate agents. TransUnion, a major credit reporting agency, provides the information in the SmartMove reports.
Sometimes the information reported on the SmartMove report is incorrect. For example, the report may contain criminal history or eviction information that does not belong to you or is not complete and up to date. If negative information is falsely reported about you, it could keep you from renting a place to live.
If a landlord or property management group denies your rental application because of negative information in your tenant report, they are required under the FCRA to inform you of the denial and reason why. They must also provide you with the name and contact information of the reporting agency that supplied the rental application screening. If TransUnion Rental Screening Solution ran a tenant report on you, the inquiry may appear on your credit report as “TURSS” or “TRSSI.”
You have the right to view a copy of your file and dispute any inaccuracies that are reported. If you were denied housing after SmartMove by TransUnion Rental Screening Solutions provided an inaccurate report, you may be entitled to damages.
The Fair Credit Reporting Act (FCRA) was put in place to protect the accuracy and privacy of your information that the credit or consumer reporting agencies use. These reports include history on a consumer’s credit and loans, employment, housing, and criminal background.
The FCRA entitles you to the following tenants rights:
Reporting agencies like TransUnion and SmartMove are required to use the highest maximum standard of accuracy when providing consumer reports. They are expected to regularly update their databases with the latest information on consumer histories.
Additionally, the FCRA limits what negative information can be included in a tenant screening report. A report cannot list civil suits, judgments, arrest records, paid tax liens, collection accounts after 7 years, or bankruptcies after 10 years.
Just like a credit report, you are entitled to a free copy of your TransUnion SmartMove file. Once you receive this report, review it to verify that all of the information is accurate and up-to-date. If there are errors, you have the right to dispute the incorrect information and have it removed from your report.
You can send a dispute through the mail in a written letter, over the phone or through email. Keep a copy of the letter you send and record when you sent it, or keep a record of your phone or email communication with TransUnion. TransUnion SmartMove will then look into the alleged error to fix the inaccurate information and remove it from your report.
If your dispute is ignored or the error is not corrected within 30 days, you have the right to sue.
If you were denied from renting an apartment or house, or if the financial obligations under the lease changed, because of inaccuracies in your tenant screening report, you may be able to sue TransUnion SmartMove in a federal court.
If your dispute is ignored or the errors are not fixed after 30 days, you have the right to sue.
If your FCRA renters’ rights have been violated, you have the right to file a lawsuit against TransUnion Smart Move. You may be entitled to damages. To enforce your tenants rights, the attorneys at the consumer protection law firm of Francis Mailman Soumilas, P.C. are here to help. Get free legal help and call us at 1-877-735-8600 today to get started.