Disputing a Consumer Report
If you applied to rent a home through a landlord or property manager using Lotly and you believe information on the consumer report they received about you is inaccurate or incomplete, you have the right to dispute that information under the federal Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.).
Lotly's role
Lotly is a reseller of consumer reports under FCRA § 1681a(u). We do not write, score, or change the underlying information — we deliver reports from nationwide consumer reporting agencies (such as TransUnion) and other furnishers to the property owner or manager you applied with. The owner or manager (the "end user") is the party who decides whether to approve or deny your application based on that report and their own criteria.
How to file a dispute with Lotly
Send your dispute to disputes@lotly.ai and include:
- Your full legal name, date of birth, and current mailing address.
- The property or operator the report was furnished to (if known).
- The approximate date of the consumer report.
- A clear, specific description of what you believe is inaccurate or incomplete, with any supporting documentation.
Per FCRA § 1681i(f), we will forward your dispute to the consumer reporting agency that furnished the underlying data within five (5) business days, and we will coordinate any reinvestigation result back to you. If the disputed item is one Lotly added (for example, identification or routing metadata), we will reinvestigate it ourselves and respond within thirty (30) days.
Your other FCRA rights
- Free report after an adverse action. If the property owner denied your application based in whole or in part on a consumer report Lotly delivered, you have the right to a free copy of that report from the consumer reporting agency named in the adverse-action notice you received. You must request it within 60 days of the notice.
- Direct dispute with the consumer reporting agency. You may also dispute information directly with the agency that issued the report (for example, TransUnion). Contact information is on the adverse-action notice.
- Summary of Rights. You can read the federal "A Summary of Your Rights Under the Fair Credit Reporting Act" at consumerfinance.gov.
Tenancy decision questions
Lotly does not make rental approval or denial decisions. If your question is about the landlord or property manager's decision (not about the accuracy of the report itself), please contact the property owner or manager directly. They are the party who decided.
You may also send disputes in writing to:
Lotly Software LLC
Attn: Consumer Disputes
5754 Lonetree Blvd
Rocklin, CA 95765