- Need a copy of your RealPage consumer report?
- Does information on your RealPage consumer report appear to be inaccurate?
- Is RealPage displaying as an inquiry on your credit report?
- Security and Credit Freeze.
- Fraud Alerts.
- Placing a Statement on your report.
- FTC Summary of Consumer Rights.
- How to obtain a free copy of your credit report.
Need a copy of your RealPage consumer report?
Upon request and with proper identification, RealPage will provide individuals with a copy of information about themselves contained in the consumer reports prepared by RealPage. RealPage will not provide information about other consumers to the individual requesting disclosure of a consumer report. You may not order a consumer report pertaining to another person. You may only request of copy of your own consumer report.
If you have recently been denied housing or have had any other adverse action taken against you based upon information provided by RealPage, and you would like a copy of our report, please complete and submit this Request For Disclosure of Report Form or submit a request as follows:
Please note that a report may include information that some people consider sensitive. In order to ensure that only authorized individuals access your report, please provide at least 2 of the following to RealPage so that we can verify your identity.
- Copy of State issued identification (e.g., Drivers License).
- Last Four digits of your Social Security Number
- Date of Birth
- Last 3 Addresses
If for whatever reason you are unable to provide at least two of the above, then please contact us at 1-866-934-1124, so that we may obtain enough information to verify your identity.
Please also include a statement requesting a copy of your RealPage Consumer Report, along with the name of the apartment community at which you applied, and the city and state in which it is located.
You may send this information to RealPage LeasingDesk Consumer Relations by e-mail, fax or U.S. mail as follows:
E-mail to firstname.lastname@example.org
Fax to: 1-800-866-8736
Mail to:RealPage, Inc.
Attn: LeasingDesk Consumer Relations
4000 International Parkway
Carrollton, TX 75007
The information requested by RealPage will be used solely for the purpose of verifying your identity.
The information received by RealPage will not be sold to a 3rd party and will not be given to anyone that does not need it for the purpose of sending you a copy of your report.
Does information on your RealPage consumer report appear to be inaccurate?
If you believe that any of the information contained in your report is inaccurate or incomplete, you may request an investigation of such information. Please complete the Consumer Dispute Form and return it to the address listed on the form by mail, email or by facsimile.
We will review and consider the relevant information you submit in connection with your dispute. If such review does not resolve your dispute and further investigation is required, notice of your dispute, including the relevant information you submitted, will be forwarded to the source that provide us the disputed information. The source will review the information provided, conduct an investigation with respect to the disputed information, and report the results back to us. We will then make deletions or changes to your file, as appropriate, based on the results of the investigation. All investigations will be completed within thirty (30) days of your request for an investigation.
Please be advised that accurate information and information verified as accurate by our sources will remain in our files as prescribed by applicable law, including the Fair Credit Reporting Act.
If you still disagree with an item after it has been verified, you may send us a brief statement, not to exceed 100 words, explaining the nature of your disagreement. Your statement will become part of your file and will be disclosed each time your file is accessed.
If the investigation results in a change to or deletion of the information you are concerned about, or you otherwise submit a statement in accordance with the preceding paragraph, you have the right to request that we send your revised file to any company that received your file in the past 12 months for any purpose.
You may also request an investigation by sending the information requested in the Consumer Dispute Form to RealPage LeasingDesk Consumer Relations by e-mail, fax or U.S. mail as follows:
E-mail to email@example.com
Fax to: 1-800-866-8736
Mail to:RealPage, Inc.
Attn: LeasingDesk Consumer Relations
4000 International Parkway
Carrollton, TX 75007
The information requested by RealPage will be used solely for the purpose of verifying your identity and for investigation of your dispute.
The information received by RealPage will not be sold to a 3rd party and will not be given to anyone that does not need it for the purpose of the investigation.
Is RealPage displaying as an inquiry on your credit report?
RealPage, Inc. is a software provider to the multi-family real estate industry. The line item on your credit report noting “RealPage, Inc.” is an indication that one of our customers (an apartment community) recently submitted a credit inquiry using our software. For further information about this inquiry and to request a copy of your credit report, please contact the applicable credit bureau.
P.O. Box 2103
Allen, TX 75013
P.O. Box 105873
Atlanta, GA 30374
P.O. Box 390
Springfield, PA 19064
Security and Credit Freeze (Except Residents of Alabama and Michigan)
Security and Credit Freeze (Except Residents of Alabama and Michigan)
You have a right to place a “security freeze” on your credit report to protect your privacy and ensure that credit is not granted in your name without your knowledge pursuant to the laws applicable to you. Currently, forty-eight states and the District of Columbia have enacted legislation enabling a credit freeze. Alabama and Michigan are the only states without a credit freeze law. The credit freeze laws are state specific and vary among the states. See below for a list of state credit freeze laws. For specific details regarding the credit freeze laws for the state of your residence, you may wish to contact your state or local consumer protection agency, or your state attorney general (or an equivalent agency), to learn about what rights you might have.
As RealPage does not have credit information in its files, you must request the security freeze from each of the three major credit bureaus (Equifax, Experian, and TransUnion) to freeze access to your credit files. The security freeze will prohibit RealPage from releasing any information in your credit report without your express authorization or approval, except as provided by law. Some states require that a security freeze be requested in writing by certified mail. Some states allow the request to be made by telephone, secure electronic means, or other methods developed by the consumer credit reporting agency. If you are the victim of identity theft, then you should consider filing a complaint regarding identity theft with the federal trade commission and your state department of commerce and insurance, division of consumer affairs, or similar agency, either in writing or via their websites.
When you place a security freeze on your credit report, you will be provided a personal identification number or password to use if you choose to remove the freeze on your credit report or to temporarily authorize the release of your credit report for a specific period of time after the freeze is in place. To provide that authorization, you must contact RealPage and provide all of the following:
- The unique personal identification number or password provided by RealPage.
- Proper identification to verify your identity.
- The proper information regarding the period of time for which the report shall be available to users of the credit report.
- A payment of a fee, if applicable.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account, that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, collection, fraud control, monitoring, credit line increases, account upgrades and enhancements, or similar activities.
If you are actively seeking new credit, a loan, utility, telephone, insurance account, new rental lease, or other credit related service, then you should understand that the procedures involved in lifting a security freeze may slow your applications for credit. You should plan ahead and lift a freeze, either completely if you are shopping around or specifically for a certain creditor, in advance of actually applying for new credit. You should lift the freeze with enough advance notice before you apply for new credit for the lifting to take effect.
Typically, when seeking credit or pursuing another transaction requiring access to your credit report, it is not necessary to relinquish your pin or password to the creditor or business; you can contact the consumer credit reporting agency directly. If you choose to give out your pin or password to the creditor or business, then it is recommended that you obtain a new pin or password from the consumer credit reporting agency.
In some states, a credit reporting agency may charge a fee to a consumer to (1) place a security freeze on your credit report, (2) authorize the release of a report that includes a security freeze, (3) temporarily lift a security freeze from your credit report, (4) remove a security freeze from your credit report, or (5) replace a personal identification number, password, or other similar device. However, if you are at least sixty-five years of age or a victim of identity theft at the time the security freeze is requested, then you may not be charged. RealPage may not charge a fee depending on the situation. You may ask the RealPage customer service representative for more details.
You have a right request a credit freeze on your RealPage report by calling the following toll-free telephone number: 1-866-934-1124.
State Security and Credit Freeze Laws
- Alabama: NONE
- ALASKA STAT. ANN. §§ 45.48.100 – 45.48.290
- ARIZ. REV. STAT. ANN. § 44-1698
- ARK. CODE ANN. §§ 4-112-101 – 4-112-114
- CAL. CIV. CODE § 1785.11.2
- COLO. REV. STAT. ANN. § 12-14.3-106.6
- CONN. GEN. STAT. ANN. § 36a-701a
- DEL. CODE ANN. tit. VI, § 2203
- D.C. CODE §§ 28-3861 – 28-3864
- FLA. STAT. ANN. § 501.005
- GA. CODE ANN. §§ 10-1-913 – 10-1-915
- HAW. REV. STAT. ANN. §§ 489P-1 – 489P-6
- IDAHO CODE ANN. §§ 28-52-101 – 28-52-109
- 815 ILL. COMP. STAT. 505 / 2MM
- IND. CODE ANN. §§ 24-5-24-1 – 24-5-24-17
- IOWA CODE ANN. §§ 714G.1 – 714G.11
- KAN. STAT. ANN. §§ 50-723 – 50-724
- KY. REV. STAT. ANN. §§ 367.363 – 367.365
- LA. REV. STAT. ANN. § 9:3571.1
- ME. REV. STAT. tit. X, § 1313-C
- MD. CODE ANN., COM. LAW § 14-1212.1
- MASS. ANN. LAWS ch. 93, § 62A
- Michigan: NONE
- MINN. STAT. ANN. §§ 13C.016 – 13C.019
- MISS. CODE ANN. §§ 75-24-201 – 75-24-217
- MISSOURI ANN. STAT. §§ 407.1380 – 407.1385
- MONT. CODE ANN. §§ 30-14-1726 – 30-14-1736
- NEB. REV. STAT. ANN. §§ 8-2601 – 8-2615
- NEV. REV. STAT. ANN. §§ 598C.300 – 598C.390
- N.H. REV. STAT. ANN. §§ 359-B:22 – 359-B:29
- N.J. STAT. ANN. § 56:11-46
- N.M. STAT. ANN. § 56-3A-3
- N.Y. GEN. BUS. LAW § 380-t
- N.C. GEN. STAT. ANN. § 75-63
- N.D. CENT. CODE ANN. §§ 51-33-01 – 51-33-14
- OHIO REV. CODE ANN. §§ 1349.52 – 1349.55
- OKLA. STAT. tit. XXIV, §§ 149 – 159
- OR. REV. STAT. ANN. §§ 646A.600 – 646A.628
- 73 PA. STAT. ANN. §§ 2500 – 2510
- R.I. GEN. LAWS ANN. § 6-48-5
- S.C. CODE ANN. § 37-20-160
- S.D. CODIFIED LAWS §§ 54-15-1 – 54-15-16
- TEN. CODE ANN. § 47-18-2108
- TEX. BUS. & COM. CODE ANN. §§ 20.01 – 20.13
- UTAH CODE ANN. §§ 13-45-201 – 13-45-205
- VT. STAT. ANN. tit. IX, § 2480h
- VA. CODE ANN. §§ 59.1-444.1 – 59.1-444.2
- WASH. REV. CODE ANN. §§ 19.182.170 – 19.182.200
- W. VA. CODE ANN. §§ 46A-6L-101 – 46A-6L-105
- WIS. STAT. ANN. § 100.54
- WYO. STAT. ANN. §§ 40-12-501 – 40-12-509
You have a right to place a “fraud alert” in your credit report, which will warn anyone who receives information in your credit report that your identity may have been used without your consent. Recipients of your credit report are required to take reasonable steps, including contacting you at the telephone number you may provide with your fraud alert, to verify your identity prior to lending money, extending credit, or completing the purchase, lease, or rental of goods or services. The fraud alert may prevent credit, loans, and services from being approved in your name without your consent. Fraud alerts may cause some delays if you are trying to obtain credit. For example, the fraud alert may prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that taking advantage of this right may delay or interfere with the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, insurance, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, including an extension of credit at point of sale. To compensate for possible delays, you may wish to include a cell phone number, where you can be reached easily, in the fraud alert. You also should keep all contact information in your alert current.
There are three types of fraud alerts: (1) Initial Fraud Alert; (2) Extended Fraud Alert, and (3) Active Duty Military Personnel Fraud Alert.
Initial Fraud Alerts – Generally
You may ask that an initial fraud alert be placed on your report if you suspect you have been, or are about to be, a victim of identity theft. To place an initial fraud alert on your report, you will be required to provide appropriate proof of your identity, which may include your name, copy of state-issued identification (i.e., Driver’s License), Social Security number, date of birth, and last three mailing addresses. If you place an initial fraud alert on your report, then you have the right to obtain one free copy of your report at the time the initial 90-day security alert period expires.
Extended Fraud Alerts – Generally
An extended fraud alert stays on your report for seven years. You can have an extended alert placed on your report if you have been a victim of identity theft and you provide to RealPage an Identity Theft Report, which includes enough detail about the crime for RealPage to verify that you are a victim—and to know which accounts and inaccurate information came from identity theft.
Once you place an extended fraud alert on your report, you are entitled to order two free copies of your report from RealPage during the 12-month period beginning on the date on which the extended fraud alert was included in the report, and, if you ask, then only the last four digits of your Social Security number will appear on your report.
Active Duty Military Fraud Alerts – Generally
An Active Duty Military Personnel Fraud Alert is active for at least 12 months (beginning on the date of the request), unless you request that the active duty fraud alert be removed before the expiration of the 12 month period. Once the active duty military personnel fraud alert is in place, you are excluded from any list provided to any third party to offer credit or insurance to you as part of the transaction that was not initiated by you, unless you request that such exclusion be rescinded before the end of such period.
Requesting a Fraud Alert
To place a fraud alert on your credit report, you may be required to provide the following information: (1) full name, (2) complete mailing address, (3) social security number, and (4) date of birth. A fraud alert expires automatically unless you renew your request. A fraud alert may be requested by calling the following toll-free telephone number: 1-866-934-1124. You may also request a fraud alert from each credit bureau (i.e., Experian, Equifax, and TransUnion).
Placing a Statement on your Report
If, upon completion of an investigation regarding information in your report, you believe that RealPage’s investigation has not resolved the information you have disputed, you have the right to add a brief statement to your file. Please complete the Statement of Disagreement and mail, e-mail or fax the form to the address listed therein. Upon receipt of the form, RealPage will include a summary of your statement in future reports. If you file a dispute statement, you may ask RealPage to notify anyone who has received your report in the past year.
FTC Summary of Consumer Rights
Para informacion en español, visite www.ftc.gov/credit o escribe a la FTC Consumer Response Center, Room 130-A 600 Pennsylvania Ave., N.W., Washington, DC 20580
A SUMMARY OF YOUR RIGHTS
UNDER THE FAIR CREDIT REPORTING ACT
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.ftc.gov/credit or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, DC 20580.
- You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information.
- You have the right to know what is in your file.You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
- a person has taken adverse action against you because of information in your credit report;
- you are the victim of identity theft and place a fraud alert in your file;
- your file contains inaccurate information as a result of fraud;
- you are on public assistance;
- you are unemployed but expect to apply for employment within 60 days.
In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.gov/credit for additional information.
- You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
- You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/credit for an explanation of dispute procedures.
- Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer agency may continue to report information it has verified as accurate.
- Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
- Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
- You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.ftc.gov/credit.
- You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-567-8688.
- You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
- Identity theft victims and active duty military personnel have additional rights. For more information, visit www.ftc.gov/credit.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are:
|TYPE OF BUSINESS||PLEASE CONTACT|
|Consumer reporting agencies, creditors and others not listed below||Federal Trade Commission: Consumer Response Center – FCRA
Washington, DC 20580 1-877-382-4357
|National banks, federal branches/agencies of foreign banks (word “National” or initials “N.A.” appear in or after bank’s name)||Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219 800-613-6743
|Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks)||Federal Reserve Board
Division of Consumer & Community Affairs
Washington, DC 20551 202-452-3693
|Savings associations and federally chartered savings banks (word “Federal” or initials “F.S.B.” appear in federal institution’s name)||Office of Thrift Supervision
Washington, DC 20552 800-842-6929
|Federal credit unions (words “Federal Credit Union” appear in institution’s name)||National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314 703-519-4600
|State-chartered banks that are not members of the Federal Reserve System||Federal Deposit Insurance Corporation
Consumer Response Center2345 Grand Avenue, Suite 100
Kansas City, MO 64108-2638
|Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission||Department of Transportation, Office of Financial Management
Washington, DC 20590
|Activities subject to the Packers and Stockyards Act, 1921||Department of Agriculture
Office of Deputy Administrator- GIPSA
Washington, DC 20250
How to obtain a free copy of your credit report.
The Fair and Accurate Credit Transactions Act (FACT ACT)* allows consumers to obtain one free copy of their consumer report from certain consumer reporting agencies in any twelve month period.
You may obtain a free copy of your report from the three major national credit bureaus (Equifax, Experian, and TransUnion) at the centralized service below:
|U.S. Mail:||Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348- 5281
*The Fair and Accurate Credit Transactions Act (FACT ACT) was enacted and amends the Fair Credit Reporting Act (FCRA)
A Summary of Your Rights for the FCRA and identity theft is available at the Federal Trade Commission Web site at http://www.ftc.gov.