Tenant Knowledge Center  

What if I dispute the income found in EIV?

If the tenant diagrees with the amount of income that EIV is reporting here is what should happen.

The O/A must obtain independent third party verification from the source which is used to complement EIV data when:

  • The tenant is unable to provide acceptable and current employment and/or income documentation to support the wage and unemployment income in EIV;
  • The tenant disputes the EIV income information;
  • There is an EIV income discrepancy reported at the time of recertification (annual or interim) or at other times as specified in the O/A’s policies and procedures;
  • There is incomplete EIV employment or income data for a tenant and the O/A needs additional information. Examples of additional information include but are not limited to:
    (1) Effective date of income (i.e. employment, unemployment compensation, or Social Security benefits).
    (2) For new employment: pay rate, number of hours worked per week, pay frequency, hire date (not required to be reported to state so it may not be in EIV– see Attachment 3 for data elements that are optional for employers to report to the state), etc.
    (3) Confirmation of change in circumstances (i.e., reduced hours, reduced rate of pay, temporary leave of absence, etc.); and,
  • There is no EIV employment or income data for a tenant.

See Chapter 5, Paragraph 5-13 of Handbook 4350.3 REV-1 for information on acceptable verification methods.

When the O/A is unable to obtain third party verification, e.g., the third party does not respond, the tenant file must contain documentation as to why third party verification was not available. The O/A may accept self-certification from the tenant only if third party verification cannot be attained. See Chapter 5, Paragraph 5-13.D of Handbook 4350.3 REV-1.

O/As always have the discretion to obtain additional third party verification of income or verification of other EIV data based on circumstances encountered during the recertification process.

EIV Income Incorrect or Does Not Belong to the Tenant

There may be times when the source or originator of EIV information makes an error when submitting or reporting information about tenants. HUD cannot correct data in the EIV system, only the originator of the data can correct the information. When data is corrected by the source or the originator, HUD will obtain the updated information with its next computer matching process.

TRACS data reported in EIV originates from the O/A. Once data is corrected in the O/A’s software, the corrected data must be transmitted to TRACS.

Employment and wage information reported in EIV originates from the employer. The employer reports this information to the local State Workforce Agency (SWA), who in turn, reports the information to HHS’ NDNH database.

If the tenant disputes the accuracy of the information in EIV that was provided by the employer and after additional third party verification is obtained by the O/A it is determined that the information is not accurate, the tenant should contact the employer directly, in writing, to dispute the employment and/or wage information and request that the employer correct erroneous information. The tenant should provide the O/A with a copy of this written correspondence to maintain in the tenant file.

Unemployment benefit information reported in EIV originates from the local SWA. If the tenant disputes the accuracy of the information in EIV that was provided by the SWA and after additional third party verification is obtained by the O/A it is determined that the information is not accurate, the tenant should contact the SWA directly, in writing, to dispute the unemployment benefit information, and request that the SWA correct erroneous information. The tenant should provide the O/A with a copy of this written correspondence to maintain in the tenant file.

SS and SSI benefit information reported in EIV originates from the SSA. If the tenant disputes the accuracy of the information in EIV that was provided by the SSA and after additional third party verification is obtained by the O/A it is determined that the information is not accurate, the tenant should contact the SSA at (800) 772-1213, or visit the local SSA office and request that the erroneous information be corrected. SSA office information is available in the government pages of the local telephone directory or online at http://www.socialsecurity.gov.

Identity Theft. Incorrect information in EIV may be a sign of identity theft. Sometimes someone else may use an individual’s SSN, either on purpose or by accident. SSA does not require an individual to report a lost or stolen SSN card, and reporting a lost or stolen SSN card to SSA will not prevent the misuse of an individual’s SSN. A person using an individual’s SSN can get other personal information about that individual and apply for credit in that individual’s name.

If the tenant suspects someone is using his/her SSN, he/she should:
(a) Check their Social Security records to ensure their records are correct (call SSA at 1-800-772-1213);
(b) File an identity theft complaint with the Federal Trade Commission (call FTC at 1-877-438-4338, or visit their website at: http://www.ftc.gov/bcp/edu/microsites/idtheft/); and
(c) Monitor his/her credit reports with the three national credit reporting agencies (Equifax, TransUnion, and Experian).

Tenants may request their credit report and place a fraud alert on their credit report with the three national credit reporting agencies at: http://www.annualcreditreport.com or by contacting the credit reporting agency directly. Each agency’s contact information is listed below:

National Credit Reporting Agencies Contact Information
Equifax Credit Information Services, Inc.
P.O. Box 740241
Atlanta, GA 30374
Website: http://www.equifax.com
Telephone: (800) 685-1111

Experian
P.O. Box 2104
Allen, TX 75013
Website: http://www.experian.com
Telephone: (888) 397-3742

TransUnion
P.O. Box 6790
Fullerton, CA 92834
Website: http://www.transunion.com
Telephone: (800) 680-7289 or (800) 888-4213

If the tenant disputes the SSA information in EIV or when the tenant reports he/she receives SSA benefits but there is no SSA information in EIV, the O/A must obtain third party verification by requesting the tenant provide a copy of their benefit or award letter or Proof of Income Letter, dated within the last 120 days from the date of receipt by the owner.

The O/A must not send the tenant to the SSA office if they do not have this information. Instead, the O/A must ask the tenant to request benefit information from SSA using SSA’s website or toll-free number.

The O/A may assist the tenant in requesting benefit information from SSA, if the tenant requests their assistance in accessing the SSA website or has questions on completing the request.

To request a Proof of Income Letter from SSA’s website go to http://www.socialsecurity.gov.

From the left side bar:
Select “What you can do online” Select “If you get benefits” Select “Request a Proof of Income Letter”
Tenants should check the box “All Benefit Information Available” to make sure all benefits received are provided.

To request a Proof of Income Letter from SSA’s toll-free number call 1-800-772-1213.

This information is free and the tenant should receive the letter in the mail within 10 days. The tenant will provide the Proof of Income Letter to the O/A for use in calculating their income. A copy of the letter will be retained in the tenant’s file and the original returned to the tenant for their records.

 

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