Fair Credit Reporting Act – FCRA


Bad Tenant LLC is a consumer reporting agency that assembles and evaluates consumer information and provides consumer reports to third parties for the purpose of residential screening as permitted under federal, state, and local laws. The Consumer Relations Department at Bad Tenant LLC can provide you with a copy of the information we maintain about you that may be used in determining your rental or employment eligibility.

Under the regulations of the Federal Trade Commission (FTC), the Fair Credit Reporting Act (FCRA), and the Fair and Accurate Credit Transactions Act of 2003, we may disclose information about your credit, court and/or criminal history only to potential housing providers as permitted under the FCRA, the Gramm-Leach-Bliley Act and/or other applicable laws. Upon written request, we will reinvestigate any information that we maintain which you believe is inaccurate, and will correct any such information that is determined to be inaccurate or incomplete.

If you have recently been denied housing or had any other adverse action taken against you based on information provided by Bad Tenant LLC, use this Web site to locate the appropriate forms and information you need to obtain a copy of your consumer file.

With the implementation of FACTA, the FCRA changes allow consumers to request a free file disclosure from nationwide specialty consumer reporting agencies in any twelve month period.

FACTA changes also required creation of a centralized service for eligible consumers to request free annual credit file disclosures from nationwide credit bureaus. The three major nationwide credit bureaus established access for consumers to this centralized service using one of the following options:

877-322-8228 (toll-free)
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281

If you believe that you have experienced identity theft or fraud, Consumer Relations can assist you in placing a fraud victim statement in your Bad Tenant LLC file. This will notify potential housing providers or employers that you may have been a victim of identity theft. Additional information on identity theft may be found on the Federal Trade Commission’s Identity Theft Data Clearinghouse Web site at http://www.ftc.gov/idtheft.

If you believe information in your Bad Tenant LLC file is inaccurate, this Web site provides you with the forms and instructions necessary to request that we reinvestigate and/or correct any inaccuracies.