If a landlord or property manager ran your rental application through NTN — National Tenant Network — the report that came back decided whether you got the apartment. NTN is a tenant screening company operating through a network of regional offices around the country, its reports are consumer reports under the Fair Credit Reporting Act, and when an NTN report is wrong, federal law gives you the right to see it, dispute it, and hold the company accountable for what the error cost you.
What NTN is, and what is in its report
NTN describes its flagship DecisionPoint report as including a tenant-performance profile, a detailed eviction and lease-violation history, screening history, and searches spanning credit, criminal records, and the government’s OFAC watch list. Its own materials note that tenant screening companies like NTN are strictly regulated under the Fair Credit Reporting Act and that anyone requesting your information must have a permissible purpose. The Better Business Bureau lists NTN offices under tenant screening — the network model means your report may have been assembled by a regional NTN office serving your landlord.
Where NTN reports go wrong
Every data type in an NTN report has a known failure mode. Eviction history is the most dangerous: cases that were dismissed or settled reported as if the tenant lost, sealed filings resurfacing, one case counted twice, or a case belonging to a different person with a similar name. Lease-violation and tenant-performance data comes from landlords — which means a dispute you had with a prior landlord can follow you as an unverified black mark. Criminal-record matching on name alone can attach someone else’s record to your application. And the OFAC search carries the same false-match risk we cover in our guide to OFAC alerts — a name resemblance branded as a sanctions-list hit.
Your rights when an NTN report costs you housing
If a landlord denies your application, requires a larger deposit, or demands a co-signer because of a screening report, you are entitled to know which company supplied it and to get a free copy of that report. You can dispute anything inaccurate or incomplete, and the FCRA requires a reasonable investigation, free of charge, with correction of whatever cannot be verified. Dispute in writing, attach the court records or documents that prove your point, and keep copies of everything.
When it becomes a legal claim
Screening companies must follow reasonable procedures to assure maximum possible accuracy. A dismissed eviction reported as a loss, a stranger’s record on your file, or a report that came back unchanged after a documented dispute is not bad luck — it is the exact failure the FCRA makes compensable: actual damages for the housing you lost and the costs you paid, statutory and punitive damages where the violation is willful, and attorney’s fees, which is why we handle these cases on contingency. NTN sits alongside CIC, RealPage, and the other companies in our tenant screening directory — and our tenant screening report errors practice covers all of them.
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Published by The Kim Law Firm, LLC — about attorney Richard Kim. Last updated August 2026.