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Need to dispute TransUnion credit report mistakes?

Welcome to Consumer Attorneys! You may be in the process of disputing one or more errors on your TransUnion credit report. To start, credit report agencies are not infallible, nor are they always completely reliable when addressing consumers' disputes.

With that being said, TransUnion serves a valuable service for businesses and consumers since it not only provides credit reports and credit scores but also provides employment screening, criminal background checks, credit freezes, and more.

Consumers must remain vigilant 

It is possible for TransUnion and other credit reporting agencies to correct an error after a consumer's dispute, only for the consumer to later find that same error back on their credit report. It is critical that consumers take the initiative to make sure their credit reports are free of errors. If not, credit scores can tumble. Consumers can remain unaware until they apply for a car loan or a mortgage, only to be denied.

Furnishers who supply information to the credit reporting agencies can also make mistakes by providing inaccurate or incomplete information. This is where Consumer Attorneys comes in! Our role is to protect consumers' rights under a multitude of consumer protection laws, including consumers who wish to sue TransUnion for credit report mistakes that are not adequately addressed.

When damaging credit report errors have enough time to languish, credit scores suffer and one's efforts to keep those scores in good standing can go down the drain. 

What to know when disputing credit report errors

  1. TransUnion is not the designated watchdog for ensuring credit report content is accurate. That responsibility lies with the consumer.
  2. TransUnion and other credit reporting agencies have been sued for their lack of responsibility when addressing consumer disputes regarding credit report errors.
  3. When credit report errors are found, you have a right to file a dispute with TransUnion and other credit reporting agencies, as stated within the Fair Credit Reporting Act.
  4. TransUnion is allowed 30 days to investigate your dispute and rectify any errors. During this time, you can choose to receive email alerts regarding the status of your TransUnion dispute.
  5. If errors are not corrected after a proper dispute with TransUnion, you have the right to sue.
  6. You can contact TransUnion by calling (800)916-8800, filing an online dispute, or  writing a dispute letter and mailing it to TransUnion.

If you need assistance with a TransUnion credit report dispute that has generated unacceptable results, we encourage you to contact Consumer Attorneys at (800)604-0466.

Credit report errors are common and damaging

A major study conducted by the Federal Trade Commission in 2012 found that one in four American consumers had at least one error on their credit reports. During 2020, American consumers filed more than 280,000 complaints regarding credit report mistakes.  

Negative content that shouldn't be on a credit report can wreak havoc on one's credit score. As mentioned, this can lead to being denied loans, bypassed for a job position, subjected to higher interest rates, and more. 

Consumer Attorneys encourages you to visit annualcreditreport.com to secure your free credit reports from all three of the major credit report bureaus: Experian, Equifax, and TransUnion. If any information looks unfamiliar or questionable, give us a call right away.

Lawsuits are not new for TransUnion

Unresolved credit report errors can be grounds for suing TransUnion. Suing TransUnion and other credit reporting agencies is nothing new, and lawsuits can stem from mixing files with consumers who have very similar names. For example, TransUnion mixed the file of plaintiff “Cindy G.” with the file of a “Cynthia G,” two individuals with very similar first names and identical last names. Cynthia's file, which contained collection accounts, was merged with Cindy's file. Consequently, Cindy was not able to pre-qualify for a mortgage loan.

Consumer Attorneys can connect you with a credit report attorney who will assess your situation as part of a free case review. You can also take advantage of a free credit report analysis. Your circumstances may entitle you to substantial financial damages.

Through Consumer Attorneys, you pay no out-of-pocket fees. Our credit report attorneys only receive a fee if they win on your behalf!

TransUnion Lawsuits and Cases

These are real cases filed by Consumer Attorneys’ clients. If you have experienced any similar issues, you may have a case against TransUnion.

Lawrence Williams v. TransUnion: Lawrence Williams and his wife had to undergo a credit report and background check as part of a rental application. TransUnion and RentSpree completed the background check report. However, Lawrence’s report was full of inaccurate information, including criminal charges against him. TransUnion did not ensure that Lawrence’s information was accurate and was reporting the criminal history of someone else. Not only was Lawrence denied the rental, but his marriage was also tested due to this alarming and false information. 

Samuel Safern v. Equifax and TransUnion: Samuel Safern was the victim of identity theft and had multiple bank accounts opened in his name. He filed an identity theft affidavit with the Federal Trade Commission. However, Equifax and TransUnion incorrectly reported the accounts as “charged off.” Samuel disputed the fraudulent accounts, but Equifax and TransUnion verified each as accurate and continued to include them in Samuel’s credit reports. Because of this reporting, Samuel was denied credit and had to face the unfair repercussions of a stolen identity.

It's time to clean the slate. Give our team a call!  

If your TransUnion credit report includes errors that have not been rectified after a proper dispute, call Consumer Attorneys immediately! You can connect with our legal team in various ways:

Reach out to us at info@consumerattorneys.com with any questions.


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