What is SmartMove by TransUnion?
SmartMove is an online tenant screening service owned and operated by TransUnion Rental Screening Solutions (TURSS), a division of the major credit bureau TransUnion. It allows landlords and real estate agents to quickly review a renter’s background before approving an application.
SmartMove reports can include:
- Credit information
- Rental history
- Criminal background
- Eviction records
When this information is accurate, it can help landlords make fair decisions. But when SmartMove reports contain errors, renters can lose housing opportunities through no fault of their own.
Common SmartMove Background Check Errors
Consumers nationwide have reported mistakes in their SmartMove tenant screening reports. Common errors include:
- Criminal records that belong to another person
- Evictions that were dismissed or never filed
- Outdated or incomplete court data
- Incorrect or mixed credit information
Even one inaccurate record can result in a rental denial, a lost deposit, or a damaged reputation.
Your Rights Under the Fair Credit Reporting Act (FCRA)
Because SmartMove is operated by TransUnion Rental Screening Solutions (TURSS), it is governed by the Fair Credit Reporting Act (FCRA), the same federal law that regulates credit bureaus like Experian, Equifax, and TransUnion.
Under the FCRA, you have important rights:
- The right to an accurate report: Tenant screening companies must use reasonable procedures to ensure maximum possible accuracy.
- The right to access your report: You can request a free copy of your SmartMove report after a rental denial.
- The right to dispute errors: SmartMove and TURSS must investigate any inaccuracies you report within 30 days.
- The right to be notified: If your report causes a denial, the landlord must give you the name and contact info of the reporting agency.
If SmartMove fails to correct errors or ignores your dispute, you may have the right to sue for damages under the FCRA.
How to Dispute a SmartMove Tenant Screening Report
If your SmartMove report contains false or outdated information, follow these steps to dispute it:
- Request a copy of your SmartMove report from TransUnion Rental Screening Solutions (TURSS).
- Identify every error and gather documents that prove the information is wrong or outdated.
- Submit your dispute in writing by mail, email, or phone.
- Keep copies of everything you send and note the date of your submission.
- TURSS must investigate and respond within 30 days. If they fail to fix the issue, contact a consumer protection attorney.
Contact Information for Disputes:
Email: TURSSDispute@transunion.com
Address: 6430 South Fiddlers Green Circle, Suite 500, Greenwood Village, CO 80111
Phone: 888-387-1750
Can I Sue SmartMove or TransUnion for Inaccurate Reports?
Yes. If SmartMove or TransUnion Rental Screening Solutions (TURSS) violates your rights under the FCRA by reporting false data, failing to investigate, or not updating records, you may be entitled to compensation.
Examples of FCRA violations include:
- Reporting criminal or eviction records that belong to someone else
- Failing to remove outdated or expunged information
- Ignoring your written dispute or failing to respond within 30 days
The attorneys at Francis Mailman Soumilas, P.C. have successfully represented thousands of consumers in lawsuits against tenant screening companies like SmartMove, TURSS, RentGrow, SafeRent, and AmRent.
If you were denied housing or suffered losses because of a false or outdated SmartMove tenant screening report, you don’t have to face it alone.
Francis Mailman Soumilas, P.C. can help you, hold TransUnion accountable, and recover compensation under the FCRA. There’s no out-of-pocket cost to you; we only get paid if you win.
Fill out the form for a free case review or call 1-877-735-8600 today.
SmartMove by TransUnion – FAQ
What is SmartMove by TransUnion?
SmartMove is an online tenant-screening service offered by TransUnion Rental Screening Solutions (TURSS). It provides landlords with credit, criminal, eviction, and rental-history reports.
How is SmartMove different from TURSS?
TURSS is the consumer reporting agency (the company) behind tenant-screening reports. SmartMove is a TURSS product designed for smaller or individual landlords to screen renters online.
Will SmartMove appear on my credit report
A rental screening inquiry may appear as a “soft” inquiry and may reference TURSS or TRSSI.
I was denied housing due to a SmartMove report. What should the landlord give me?
Under the FCRA, the landlord must give you an adverse action notice stating the reason for the denial and the name, address, and phone number of the reporting agency (TURSS/SmartMove).
How do I get a copy of my SmartMove report?
Request it from TURSS after you’re denied or once per year for free. Keep copies of all communications and dates.
What are common SmartMove errors?
Mixed files (another person’s record), outdated or expunged criminal/eviction data, incomplete court dispositions, and incorrect credit items.
How do I dispute a SmartMove error?
Identify the inaccuracies and submit a written dispute to TURSS with supporting documents. TURSS generally has 30 days to investigate and respond.
What if SmartMove/TURSS doesn’t fix the error?
If inaccurate information remains or your dispute is ignored/delayed, you may have claims under the FCRA and could be entitled to compensation.</;p>
Can I sue SmartMove (TransUnion) for a false tenant report?
Yes. If FCRA rules are broken, like reporting inaccurate data or failing to reasonably investigate, you may be able to seek damages.
Should I tell the landlord while I dispute?
Yes. Share proof you’ve disputed and, if possible, provide corrected records. Ask the landlord to re-review once TURSS updates the report.
