Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12268588
Credit Bureau Misrepresents Settled Warrant as Eviction
Complaint Overview
Complaint ID: 12268588
Company: Veriscreen INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Incorrect information on your report
Sub-Issue: Public record information inaccurate
State: Kentucky
ZIP Code: 42101
Date Received: 2025-02-28T12:00:00-05:00
Date Sent to Company: 2025-03-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The inaccurate reporting of a settled detainer warrant as an eviction can negatively impact a consumer's creditworthiness and ability to secure housing or employment.
Consumer Sentiment: negative
Topics: Credit reporting, Public records, FCRA, Inaccurate information
AI Analysis
CFPB complaint 12268588 was filed against VeriScreen Inc. regarding Credit reporting or other personal consumer reports (Other personal consumer report), specifically about "Incorrect information on your report". A consumer reported that VeriScreen Inc. inaccurately reported a detainer warrant as an eviction, despite the warrant being settled, dismissed, and paid. The complaint was received on February 28, 2025 from Kentucky. The company responded with "Closed with explanation".
Consumer Narrative
Detainer warrant was filed XX/XX/XXXX. XXXX was settled and dismissed and balance was paid to XXXX. In XXXX company is labeling the unlawful detainer warrant as an eviction and not specifying that an eviction never took place. XXXX was dismissed and company is refusing to specify this.
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for accuracy and dispute any incorrect information, providing documentation of settlements and dismissals.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to ensure the accuracy of information in consumer reports.
Regulatory Insight
Furnishers must investigate disputes and correct inaccurate information, including distinguishing between dismissed warrants and actual evictions.
Resolution Likelihood
likely
State-Specific Consumer Protections
Kentucky law may have specific requirements regarding the reporting of public record information and the definition of an eviction.
Industry Comparison
This issue is common in the credit reporting industry where public records are sometimes misinterpreted or not updated accurately.
Similar Complaint Patterns
Consumers often report inaccuracies in public records on their credit reports, including misclassification of legal actions, outdated information, or failure to reflect subsequent resolutions like dismissals or settlements. This is particularly common with eviction records where the distinction between a filed action and a completed eviction is crucial.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12268588 about?
CFPB complaint 12268588 involves Credit reporting or other personal consumer reports (Other personal consumer report). The consumer reported an issue with "Incorrect information on your report", specifically "Public record information inaccurate". This complaint was filed against VeriScreen Inc. on February 28, 2025.
Which company is complaint 12268588 filed against?
Complaint 12268588 was filed against VeriScreen Inc.. You can view all complaints against this company on their profile page at /company/veriscreen-inc.
What was the company's response to complaint 12268588?
VeriScreen Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12268588 filed?
Complaint 12268588 was received by the CFPB on February 28, 2025. It was sent to VeriScreen Inc. on March 11, 2025.
What state was complaint 12268588 filed from?
Complaint 12268588 was filed from Kentucky. You can view all complaints from this state at /state/KY.
Was the consumer satisfied with the resolution of complaint 12268588?
Dispute information is not available for complaint 12268588.
What product category is complaint 12268588 about?
Complaint 12268588 is categorized under "Credit reporting or other personal consumer reports", specifically "Other personal consumer report". This is one of the product categories tracked by the CFPB.
How was complaint 12268588 submitted?
Complaint 12268588 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 12268588?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers to ensure the accuracy of information in consumer reports. This relates to a Credit reporting or other personal consumer reports complaint against VeriScreen Inc. involving "Incorrect information on your report".
How likely is complaint 12268588 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 12268588?
This complaint is rated as medium risk. The inaccurate reporting of a settled detainer warrant as an eviction can negatively impact a consumer's creditworthiness and ability to secure housing or employment.
What regulatory actions apply to complaint 12268588?
Furnishers must investigate disputes and correct inaccurate information, including distinguishing between dismissed warrants and actual evictions. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 12268588?
Consumers should carefully review their credit reports for accuracy and dispute any incorrect information, providing documentation of settlements and dismissals.
Are there state-specific protections for complaint 12268588?
Kentucky law may have specific requirements regarding the reporting of public record information and the definition of an eviction. This complaint was filed from Kentucky.
How does complaint 12268588 compare to industry norms?
This issue is common in the credit reporting industry where public records are sometimes misinterpreted or not updated accurately.
What steps should a consumer take if a credit bureau refuses to correct inaccurate public record information?
A consumer can escalate their dispute to the CFPB and potentially consult with an attorney specializing in consumer protection law if the issue persists.
How long does inaccurate public record information typically remain on a credit report?
While FCRA mandates accuracy, the duration of inaccurate public record information can vary depending on the furnisher's response and the complexity of the dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.