False Eviction or Criminal Record? How to Correct a Tenant Background Check

False Eviction or Criminal Record? How to Correct a Tenant Background Check

REPUMATIC · Background-Report Accuracy Guide · 2026

A Background Check Lists Crimes You Didn’t Commit

The $2.25 million RentGrow case exposed how duplicate records, bad matching and incomplete data can make one criminal case—or one eviction—look much worse than reality.

Most people don’t think about a tenant-screening database until an apartment disappears because of one. Then the report arrives and there it is: a criminal case that belongs to somebody else, an eviction that was dismissed, or the same proceeding listed two or three times as if each entry were a separate event. At that point, trying to bury the problem in Google misses the issue. The database used to make the housing decision has to be corrected.

The $2.25 million case

FTC Enforcement · July 2026

RentGrow was accused of making some histories look worse than they were

The Federal Trade Commission alleged that tenant-screening company RentGrow failed to maintain reasonable procedures to assure the maximum possible accuracy of reports sold to landlords and property managers.

Among the allegations: duplicate case records and multiple entries for the same criminal or eviction proceeding could appear in a report, creating the impression that an applicant had more convictions or eviction cases than actually existed.

A federal court entered an order in August resolving the government’s allegations and imposing a $2.25 million civil penalty plus compliance requirements.

$2.25M Civil penalty imposed in the RentGrow case.
30 days Normal federal reinvestigation period after a consumer dispute.
45 days Possible investigation period in certain circumstances.
60 days Window to request a free report after an adverse housing decision.

The allegations show four ways a report can go wrong

Problem What it can look like What the RentGrow case alleged
Duplicate records One case appears two or three times. The FTC alleged multiple entries could make consumers appear to have more criminal convictions or eviction proceedings than they actually had.
Bad identity matching Another person’s criminal or housing record is attached to you. Historical addresses and middle names were among information used for matching records to consumers.
Missing source information You cannot figure out where a suspicious record came from. The government alleged some source information used in compiling reports was not fully disclosed to consumers requesting their files.
Broken dispute handling You point out an obvious duplication and the dispute goes nowhere. The complaint alleged certain disputes—including disputes involving duplicate records—were improperly labeled invalid or not fully processed.
One allegation was especially striking: the FTC said that in some cases RentGrow told consumers that successful dispute changes had been communicated to property managers while the property managers were instead told there was no change.

These are not obscure errors

FTC consumer guidance tells renters to look specifically for several recurring problems in tenant background reports.

Someone else’s information A person with a similar name, birth date, address history or other identifier gets mixed into your file.
Duplicate criminal records The same proceeding appears multiple times and makes one event resemble several.
Wrong case outcome A dismissed case, satisfied judgment or resolved eviction still looks active or unfavorable.
Information that is too old Some negative information is subject to federal reporting time limits, and state law can provide additional restrictions.
Sealed or expunged records A screening report may continue showing information that has legally changed or should no longer be reported under applicable law.
Wrong balance or rental debt Paid, settled or incorrectly attributed rental obligations may still appear as unpaid.

Your landlord’s decision may trigger specific rights

A denial is not the only event that counts. A higher deposit, higher rent or required co-signer can also be an adverse action when a consumer report influenced the decision.

01 Adverse-action notice The landlord must tell you if a consumer report contributed to the unfavorable housing decision.
02 Screening-company identity The notice must identify the company that supplied the report and provide contact information.
03 Free report You can request a free copy from the reporting company within 60 days of the adverse-action notice.
04 Right to dispute You can challenge inaccurate or incomplete information without paying the reporting company to investigate it.
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If the landlord only tells you, “You didn’t pass the background check,” ask for the name, address and phone number of the consumer reporting company and request the adverse-action information in writing for your records.

The dispute clock

Timing What generally happens
Day 0 The consumer reporting agency receives your dispute.
Within 5 business days The agency generally must notify the company or person that furnished the disputed information and send the relevant dispute material.
Usually within 30 days The consumer reporting agency must conduct a reasonable reinvestigation free of charge.
Up to 45 days in some cases The normal period can sometimes be extended, including when additional relevant information is supplied during the investigation.
If inaccurate or unverifiable The item must be corrected or deleted from the consumer’s file.
Within 5 business days after completion The consumer reporting agency must provide written notice of the reinvestigation results.
A useful FCRA detail

You can ask for the corrected result to go back to the landlord.

If inaccurate information is deleted or a dispute statement is added, federal law gives consumers a mechanism to request notification to designated recipients who recently received the report. In a housing context, that can matter when the original landlord saw the bad file only days or weeks earlier.

The fastest repair sequence

Get the actual screening report

Do not dispute from memory or based only on what the leasing agent told you. Get the report and mark every incorrect entry.

Report copy Report date Screening company

Identify the error type

Separate wrong-person records, duplicates, incorrect outcomes, obsolete information and incorrect balances. Each problem may require different evidence.

Gather the strongest source documents

Use court dispositions, dismissal orders, expungement or sealing orders, payment records, identity documents or other authoritative material that directly contradicts the bad entry.

Dispute with the screening company

Identify the exact item, explain what is wrong and attach copies of supporting documents. Keep proof of what you submitted and when.

Dispute with the source when appropriate

If a court, landlord, creditor or other furnisher is supplying incorrect information, challenge the error there too. Fixing the source can prevent the same mistake from feeding another consumer-reporting company later.

Tell the landlord immediately

Do not wait 30 days in silence if the apartment is still potentially available. Tell the property manager that a specific consumer-report item is formally disputed and provide clear documentation if appropriate.

Get the updated report

If the screening company corrects or deletes the entry, obtain the revised report and make sure the landlord receives the corrected version.

Escalate a failed dispute

If the company fails to investigate properly or leaves demonstrably inaccurate information in place, preserve the paper trail. Consumer-reporting complaints can be submitted to federal regulators, and an attorney can evaluate possible FCRA or state-law claims.

Do not waste time fixing the wrong layer

Where the error appears What to fix first Will Google removal solve it?
Tenant-screening report The consumer reporting agency and, where appropriate, the source/furnisher. No
Court record itself is wrong The court or record source, then the screening company. No
Google result accurately reflects a wrong screening database page Correct the underlying database/source first. Maybe useful later, but not the core repair
Public webpage contains different inaccurate information Publisher/source correction plus any applicable search-removal process. Separate issue
Reputation lesson: a search result is visibility. A consumer report is decision-making data. You can successfully suppress a webpage and still be denied an apartment tomorrow if the false criminal record remains inside a screening database.

A few records deserve extra scrutiny

Record type Federal baseline
Most civil lawsuits and judgments Generally cannot be reported after seven years under the FCRA.
Arrest records Generally subject to a seven-year FCRA reporting limit.
Bankruptcy Can generally be reported for up to ten years.
Criminal convictions The FCRA itself does not impose the same seven-year reporting limit on convictions.
State-protected or sealed information State law may impose additional limits or prohibit use of certain records even where federal law would otherwise permit reporting.
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Do not assume a record is reportable simply because it exists in a courthouse database. State sealing laws, eviction-record protections and other local rules can be more protective than the federal baseline.

Research basis: FTC RentGrow enforcement announcement dated July 9, 2026; U.S. Department of Justice announcement of the federal court order dated August 12, 2026; FTC tenant-background-check consumer guidance; Consumer Financial Protection Bureau tenant-screening guidance and consumer-reporting-company resources; and Fair Credit Reporting Act dispute procedures, including 15 U.S.C. § 1681i.
Interactive Error Response Kit

What should you do next?

Choose what happened. The tool will build a short response plan. You can also download a background-report error checklist and a plain-language dispute-letter template.