If your TransUnion credit report contains errors you have the right to file a dispute. TransUnion will have 30 days to investigate your dispute and correct any errors. Unfortunately, credit reporting agencies do not always fix their mistakes. They may continue to report the wrong information on your credit report. They may correct it once only to report it again the next time your credit is checked.
If this is happening to you, we can help. Assert your consumer rights and get a free case review now, or call us at 1-877-735-8600.
A business, lender, or landlord will use a TransUnion credit report, to determine a consumer’s creditworthiness and risk in lending.
TransUnion credit reports and background checks may be requested when applying for jobs, housing, credit, and more. TransUnion is one the the three largest credit reporting bureaus. It is likely that you have had a TransUnion credit report requested at some point in your life. Accuracy of information in your TransUnion report is critical.
Unfortunately, credit report errors are very common. Credit report errors and can be harmful and expensive.
An error on your credit report can not only lower your credit score, but it can also result in the following:
- Higher interest rates for your home mortgage, credit card, and private student loans
- Higher insurance premiums for your home and car
- Loss of a job opportunity
- Denial of loan and credit applications
In extreme cases, an error on your credit report could even affect your U.S. government clearance. In fact, TransUnion lost a class action lawsuit in 2017 after consumers were flagged as terrorists on their credit report.
If a company decides to use a TransUnion credit report against you, they must tell you. You are entitled to a copy of the report. The company will give you the name and contact information of who provided the report. You have the right to dispute the errors on your TransUnion credit report. You should also receive a summary of your rights under the Fair Credit Reporting Act (FCRA). If you are not provided this information you may be able to sue that company.
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute errors on your credit report. If there’s a mistake or inaccuracy on your TransUnion credit report, it is important to dispute it with TransUnion right away.
You can write a dispute letter and mail it to TransUnion. You can also file a TransUnion dispute online.
Once you file a dispute, TransUnion must investigate the error. If it is found to be a mistake, it must corrected within 30 days. Throughout these 30 days, you can opt to receive email notifications to check your TransUnion dispute status.
However, if you receive your TransUnion dispute results to find that the error was not fixed, you have the right to sue.
The following are TransUnion complaints and cases recently filed by consumer law firm, Francis Mailman Soumilas, P.C..
If you have experienced any of the following, you may have a case. Call 1-877-735-8600 to get a free case evaluation.
Stanley Marcell Cain v. TransUnion, LLC – E.D. PA – Plaintiff has an inaccurate account reporting on his TransUnion credit report. Defendant mixed Plaintiff’s information and is reporting another person’s account on Plaintiff’s TransUnion credit report. Plaintiff disputed to TransUnion, but the account was verified. As a result of TransUnion’s inaccurate reporting, Plaintiff has been denied credit opportunities.
Celso Dieguez v. Trans Union. – Trans Union has mixed the file of Celso Dieguez Sr. with his son who has the same name but is Junior. As a result of Trans Union’s mixing Mr. Dieguez’s file his son’s delinquent student loans and personal information were placed on Plaintiff’s credit file. These delinquent accounts prevented Mr. Dieguez from getting credit.
Murray v. Trans Union. – Plaintiff is mixed on her Trans Union credit report with another consumer with a similar, but different, name. Due to Trans Union’s faulty procedures, the report Trans Union prepared on Plaintiff contained an inaccurate criminal history, falsely labeling Plaintiff as a convict. As a result of the inaccurate report, Plaintiff was defamed and denied the ability to enter into a lease.
Traina v. Specialized Loan Servicing, Trans Union, Equifax and Experian. Plaintiffs’ mortgage servicer was Specialized Loan Servicing. When the pandemic began, just like so many other homeowners, the plaintiffs were hit with financial stress, and qualified for, and agreed to, a forbearance. Despite the forbearance agreement being in place, Specialized Loan Servicing began reporting to Trans Union, Experian, and Equifax that plaintiffs were late on their mortgage payments. Despite multiple disputes, Specialized Loan Servicing, Trans Union, Experian and Equifax all failed to correct the inaccurate reporting, and Plaintiffs suffered financial damage as a result.
Michael Ruzbarsky v. TransUnion. Plaintiff is the victim of identity theft. He disputed two fraudulent accounts with TransUnion and included a police report and an identity theft affidavit. TransUnion failed to block the fraudulent accounts and verified them as accurate.
Barbara Williams v. TransUnion. Plaintiff had two medical collection accounts on her TransUnion credit report. The accounts belong to her adult son form whom she is not responsible. Plaintiff disputed the two inaccurate collections accounts with TransUnion. TransUnion failed to perform a reasonable investigation into Plaintiff’s disputes and verified the collection accounts as accurate.
Jermaine Cobbins v. TransUnion. – When Plaintiff traded his car into an auto dealership, the dealership failed to make a timely payoff to Capital One. The late payment made by the dealership was then listed on the Plaintiff’s TransUnion credit report. The dealership acknowledged the error and the Plaintiff disputed the late payment on his auto loan to TransUnion with a letter from the dealership. Despite the letter from the dealership TransUnion verified that the Plaintiff made a late payment. Plaintiff had no other late payments.
LaPeruta v. Experian, TransUnion, Equifax and Navient. – Plaintiff’s credit reports are inaccurate. The inaccurate information is at least 2 accounts from Dept. of Ed./Navient; SS#s; addresses; and phone numbers that do not belong to her but belong to another person. Due to the faulty procedures of Experian, TransUnion and Equifax, the Plaintiff was mixed with at least one other consumer on her credit reports. Plaintiff disputed the inaccurate information and it was not corrected by any of the bureaus. She was denied a mortgage.
Pauline Odeyemi v. TransUnion. – Plaintiff is the victim of identity theft. She disputed two fraudulent accounts with TransUnion and included a police report and an identity theft affidavit. TransUnion failed to block the fraudulent accounts and verified them as accurate.
Kinakin v. TransUnion. – Plaintiff is marked as deceased by TransUnion. This has been an ongoing issue for Plaintiff, and as result of the “deceased” marker, TransUnion refused to provide a credit score for Plaintiff. As a result, she has been denied the use of her credit on multiple occasions. In an attempt to correct the issue, Plaintiff has disputed with TransUnion, and while TransUnion will correct the problem, the correction only lasts a few months, and then the same problem re-occurs.
Amanda Fortes v. Trans Union, Experian, LendingClub, Credit One, and HarborOne. – Plaintiff’s credit report is mixed with another consumer’s, and the other consumer’s credit accounts are appearing on Plaintiff’s Trans Union and Experian reports. The accounts are from LendingClub, Credit One and HarborOne. Plaintiff attempting to have the reports corrected by disputing the accounts to Trans Union and Experian; however, due to Defendant’s faulty procedures, the dispute did not correct the error, and the accounts remain. Plaintiff has been denied the use of her credit as a result.
Cindy Gomez v. TransUnion. – TransUnion mixed Cindy Gomez’s file with the file of a Cynthia Gomez. Names, addresses, and collection accounts belonging to Cynthia Gomez are appearing on Cindy Gomez’s TransUnion credit report. As a result, Cindy Gomez could not pre-qualify for a mortgage.
If a disputed error on your TransUnion credit report is not fixed or investigated, you have the right to sue under the FCRA.
The attorneys at Francis Mailman Soumilas, P.C. are ready to help you sue for unresolved errors on your TransUnion credit report. Get your free case review now or call us toll-free at 1-877-735-8600 today.
