Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18286416
Complaint Overview
Complaint ID: 18286416
Company: One Source Technology
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Michigan
ZIP Code: 48198
Date Received: 2025-12-25T12:00:00-05:00
Date Sent to Company: 2025-12-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding the continued reporting of an eviction and alleged balance related to a landlord-tenant account that is inaccurate, misleading, and unlawful. The landlord failed to maintain the property in a habitable condition, including unrepaired water damage, moisture intrusion, and related conditions that materially affected the livability of the unit. These conditions were reported to the landlord, yet repairs were not timely or properly completed, in violation of state habitability and maintenance requirements. Despite the landlords material breach of the lease, they have reported an eviction and balance owed to consumer reporting agencies and tenant-screening databases. This reporting is improper and should not exist for the following reasons : Key Violations XXXX. Unlawful Reporting of a Balance Any alleged balance is disputed and invalid, as the landlord failed to meet basic habitability obligations. Charges stemming from an uninhabitable unit are not legally collectible. Reporting a balance under these circumstances constitutes inaccurate and misleading information. XXXX. Improper Eviction Reporting The eviction reporting does not reflect the true nature of the tenancy dispute, which arose from unresolved maintenance failures and water damage. An eviction connected to landlord non-compliance should not be reported as a consumer default. Reporting an eviction without full context or legal basis is materially misleading to future creditors and housing providers. XXXX. Failure to Conduct a Reasonable Investigation Disputes were submitted, yet the reporting party failed to properly investigate or correct inaccurate data. Continued reporting after notice of dispute violates the duty to ensure maximum possible accuracy. XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) The landlord and/or reporting entity violated : 15 U.S.C. 1681s-2 ( a ) Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to reasonably investigate disputed information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy XXXX. Consumer Harm This inaccurate reporting has caused : Denial of housing Financial hardship Emotional distress Ongoing reputational and economic harm
Frequently Asked Questions
What is Complaint #18286416 about?
Complaint #18286416 was filed against One Source Technology regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-25T12:00:00-05:00.
How did One Source Technology respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against One Source Technology?
Yes, visit the One Source Technology company profile at readthecomplaint.com/company/one-source-technology to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.