Disputing a Consumer Report
Your rights under the Fair Credit Reporting Act, and the four ways to file with us.
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.).
File a dispute online
The fastest way to dispute is through our secure dispute portal. You can attach supporting documents, and you’ll get a reference number and an email confirmation right away.
Have the 16-character case code from your adverse-action notice? The portal uses it to route your dispute straight to the right consumer reporting agency. You do not need a case code to file — the portal accepts disputes without one.
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.
All the ways to file
We accept disputes and report-copy requests through any of these channels, free of charge. No channel is treated differently from another.
- Web: lotly.ai/disputes — with or without a case code, and you can attach documents.
- Email: disputes@lotly.ai
- Mail: Lotly Software LLC, Attn: Consumer Disputes, 5754 Lonetree Blvd, Rocklin, CA 95765
- Phone: (916) 824-5000
What to 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.
- The case code, if your adverse-action notice included one (optional — we can process your dispute without it).
- A clear, specific description of what you believe is inaccurate or incomplete, with any supporting documentation.
What happens after you file
Disputes are handled free of charge. Per FCRA § 1681i(f), within five (5) business days of receiving your dispute we will determine whether the disputed item resulted from Lotly’s own act or omission. If it did (for example, identification or routing metadata Lotly added), we will correct or delete the item within twenty (20) days of receiving your dispute. If it did not, we will forward your dispute to the consumer reporting agency that furnished the underlying data within five (5) business days, and we will coordinate the reinvestigation result back to you.
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.