A rent account from Boom on your credit report usually got there one of two ways: you signed up for Boom’s rent-reporting app yourself, or your property manager enrolled you through Boom’s landlord product, BoomReport. Boom says it reports rent payments to Experian, Equifax and TransUnion. If the account is wrong, federal law gives you the right to dispute it with each credit bureau that shows it and, in some cases, to sue over it.
What Boom is and how it reports rent
Boom is a rent-reporting service run by Boom Pay, Inc., the company named in Boom’s terms of use and listed as the app’s seller in Apple’s App Store. Renters can sign up on their own through the Boom app, or property managers can use BoomReport to report their residents’ rent payments.
Boom says it reports rent payments to all three major credit bureaus, Experian, Equifax and TransUnion. Rent Manager, a property management software company, says the same on its own BoomReport integration page.
Boom and Rent Manager both describe a separate Boom applicant screening product, BoomScreen, and Boom’s consumer relations page says that, as a consumer reporting agency, Boom can help applicants get and dispute a BoomScreen report. For a rental denial over a screening report, see tenant screening report errors and the tenant screening directory.
Why Boom is on your credit report
If you signed up in the app, that explains the account. If you did not, your building may use BoomReport. Boom and Rent Manager both say the property manager chooses which renters to enroll and whether enrollment is required, and both say the property manager chooses what payment data BoomReport sends.
So a Boom account can appear without your having signed up for anything, and what it shows depends on the data your property manager sends. If you do not recognize it, ask your property manager whether the building reports rent through Boom. Every consumer reporting agency must also, on request, disclose all the information in your file and its sources (15 U.S.C. § 1681g(a)).
Opting out is a separate question from accuracy
The first question is whether you want the account at all. If your building enrolled you, whether you can leave is the property manager’s call, since it decides whether enrollment is required. Ask the property manager, or Boom, how to stop the reporting.
The second question is whether the account is accurate. Leaving the program does not correct a wrong entry. If the account shows a late payment you did not make, a balance you do not owe, or a lease that is not yours, the remedy is the dispute process the Fair Credit Reporting Act sets up, whoever enrolled you.
Where a Boom rent account goes wrong
An accurate entry that is yours can lawfully stay: the FCRA requires deletion only of information that is inaccurate, incomplete or cannot be verified (15 U.S.C. § 1681i(a)(5)(A)). These are errors the CFPB and the FTC tell consumers to check for, and each can show up on a rent account:
- A rent payment made on time, reported as late. The CFPB lists accounts incorrectly reported as late or delinquent among common credit report errors, and the FTC tells renters to check whether the payments they made are accurately reported. See disputing a late payment you never made.
- A lease that ended, still reported as open. The CFPB lists closed accounts reported as open, and the FTC tells renters to check for the correct account status, such as open, current or closed.
- A wrong balance. The CFPB lists accounts with an incorrect current balance among common errors, and the FTC tells renters whose rental payment history is wrong to send the paperwork showing they paid.
- Someone else’s lease on your file. The CFPB lists accounts belonging to another person with the same or a similar name, and calls two consumers’ information combined in one file a “mixed file.” The FTC tells consumers to check that each account is theirs and their identifying information is correct. It is the same failure behind a mixed credit file.
How to dispute a Boom entry with the credit bureaus
Start with the reports: the FTC and the CFPB both say you can get your Experian, Equifax and TransUnion reports free each week at AnnualCreditReport.com. Find the Boom account on each and note exactly what is wrong.
Dispute with each bureau whose report shows the error. Do it in writing: identify the account as it appears on the report, say what is wrong and why, and send copies, not originals, of the records that show what you paid. The FTC and the CFPB both give that advice. Keep a copy of everything you send.
Under 15 U.S.C. § 1681i, a consumer reporting agency that receives your dispute must conduct a reasonable reinvestigation free of charge, generally within 30 days (45 in some cases), notify whoever furnished the disputed item within five business days, delete or modify anything inaccurate, incomplete or unverifiable, and send you the results in writing. If the entry stays, you can add a brief statement of dispute.
Once the bureau forwards your dispute, the company that furnished the entry must investigate, review the information the bureau sends, report the results to the bureau, and modify, delete or permanently block an item that is inaccurate, incomplete or cannot be verified, all before the bureau’s own deadline runs (15 U.S.C. § 1681s-2(b)).
Disputing with Boom and your property manager
Boom’s help center describes Boom as a data furnisher and says it reviews and addresses credit report disputes within the time the FCRA sets. The CFPB tells consumers to dispute with the company that furnished the information as well as with the bureau, in writing and by certified mail. The FTC notes that many businesses want disputes sent to a particular address, so if it is not on your credit report or online, ask the business for it.
If your property manager sends the payment data through BoomReport, tell the property manager too. The FTC tells renters whose rental payment history is wrong to contact the landlord, explain the error, and send paperwork showing they paid on time.
Under Regulation V (12 C.F.R. § 1022.43), a furnisher must investigate a dispute sent straight to it about matters such as your payment status if you send it to the address the furnisher designates, or the address on your credit report, and identify the account, what you dispute and why, with supporting documents. The furnisher must conduct a reasonable investigation, review what you sent, and report the results to you within the period a bureau has under § 1681i(a)(1). If the information was inaccurate, it must promptly notify each bureau it reported to and correct it.
A direct dispute adds to the bureau dispute; it does not replace it. The FCRA’s damages provisions do not apply to the direct-dispute rules (15 U.S.C. § 1681s-2(c)), while the furnisher’s duties after a bureau forwards your dispute are in § 1681s-2(b).
When a Boom error becomes a legal claim
If a rent account that is not yours, or is wrong about you, survives a proper dispute and costs you credit or housing, the FCRA may give you a claim:
- Accuracy (15 U.S.C. § 1681e(b)). A consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information in a report.
- Reinvestigation (15 U.S.C. § 1681i). The bureau must conduct a reasonable reinvestigation of your dispute.
- The furnisher’s investigation (15 U.S.C. § 1681s-2(b)). The company that furnished the entry must investigate a dispute the bureau forwards to it and correct what is inaccurate, incomplete or unverifiable.
For a negligent violation, the FCRA provides actual damages plus attorney’s fees (§ 1681o). For a willful violation, it provides actual damages or statutory damages of $100 to $1,000, punitive damages as the court allows, and attorney’s fees (§ 1681n). Suit must be filed by the earlier of two years after you discover the violation or five years after it occurs (§ 1681p). See suing a creditor for false credit reporting for how the furnisher’s duty works.
I handle these cases on contingency. The cases I have filed include a 2025 case against another rent-reporting company and Trans Union over rent paid on time but reported 30 days late. The pages on Piñata, Esusu, Flex, Rental Kharma and RentTrack cover other rent-reporting services, alongside Experian RentBureau and the data furnishers directory.
Have your Boom entry reviewed
Send me the report page showing the Boom account, the records of what you paid, and whatever came back after your dispute, and I will tell you whether I see a claim. The FCRA attorney page covers how these cases work. Contact the firm to have your report reviewed.
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This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with Boom, Boom Pay, Inc., Rent Manager, Experian, Equifax, TransUnion, Trans Union, or any property manager or rent-reporting company named on this page, and this page is not a complaint about any of them. It describes how rent payment accounts can appear on credit reports and the rights consumers have when an entry is wrong.