You Can Sue - Ignored TransUnion Dispute & Report Errors (2023)

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.

(Video) Transunion Dispute Hack

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.

Address: P.O Box 2000
Chester, PA 19016
Phone: 800-916-8800
File An Online Dispute: https://www.transunion.com/credit-disputes/dispute-your-credit

(Video) Equifax, Experian, and TransUnion ignored these disputes. Now they regret it.

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..
Ifyou 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.

(Video) What to do if a Dispute is Verified on Credit Report | Credit Repair Secrets

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.

(Video) TRANSUNION CHANGING THEIR DISPUTE PROCESS || DON'T GIVE UP YOUR RIGHTS || KEEP MOVING FORWARD

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.

(Video) Transunion Changing Their Dispute Process Letters - Major Changes Coming This Year

FAQs

What if a credit bureau does not respond to a dispute? ›

If they don't respond in time, the items you disputed are supposed to get deleted. Typically, each credit bureau will send you either a full credit report or a partial report with a cover page that summarizes any changes they've made. Generally, these are easy to read and understand.

What happens if you don't respond to a dispute? ›

Second, if the furnisher does not respond, the credit reporting agency is legally required to delete the disputed information from your credit report. Third, if the error is not corrected, you have a potential legal claim under the FCRA – but ONLY if you have sent a dispute to the credit reporting agency.

Who is responsible for correcting mistakes on your credit report? ›

You should dispute with each credit bureau that has the mistake. Explain in writing what you think is wrong, include the credit bureau's dispute form (if they have one), copies of documents that support your dispute, and keep records of everything you send.

Can TransUnion be wrong? ›

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.

Can you sue for inaccurate credit reporting? ›

Under the Fair Credit Reporting Act (FCRA) (15 U.S.C. § 1681 and following), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.

Can I sue for credit damage? ›

If a credit bureau, creditor, or someone else violates the Fair Credit Reporting Act, you can sue. Under the Fair Credit Reporting Act (FCRA), you have a right to the fair and accurate reporting of your credit information.

Do all disputes go to court? ›

If you have a dispute with someone, it's expensive, time-consuming and stressful to go to court. But you don't always need to go to court to solve a dispute. You might be able to use alternative dispute resolution (ADR).

Does a failed dispute hurt your credit? ›

No. The act of disputing items on your credit report does not hurt your score. However, the outcome of the dispute could cause your score to adjust. If the “negative” item is verified to be correct, for example, your score might take a dip.

What happens if you lose a dispute? ›

If your dispute is denied, then the charge will go back on your credit card. You're legally entitled to an explanation about why your dispute was denied and how you can appeal the decision. Your credit card company will likely send you both the explanation and instructions on how to appeal in writing.

What are 3 common mistakes people make with their credit? ›

Credit Mistakes That May Be Costing You Money
  • Highlights: ...
  • Making late payments. ...
  • Making only the minimum credit card payment each month. ...
  • Maxing out your credit card. ...
  • Misunderstanding introductory credit card interest rates. ...
  • Not reviewing your credit card and bank statements in full each month.

What are the two most common mistakes on credit reports? ›

These are the three most common errors related to personal information on credit reports: Wrong Address: 56% Misspelled Name: 33% Wrong Name: 17%

How can I get errors removed from my credit report? ›

If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.

Is TransUnion being investigated? ›

A key Democrat wants credit reporting agencies Equifax , Experian and TransUnion investigated for allegedly failing to respond to consumer complaints during the pandemic.

Do banks look at TransUnion? ›

While the FICO® 8 model is the most widely used scoring model for general lending decisions, banks use the following FICO scores when you apply for a mortgage: FICO® Score 2 (Experian) FICO® Score 5 (Equifax) FICO® Score 4 (TransUnion)

Which is more accurate TransUnion or Experian? ›

Experian's free credit score is the FICO Score 8, the score most lenders use. TransUnion provides the VantageScore 3.0, which is used far less often. Although your scores in the two credit scoring models should be similar, it makes sense to check the score lenders are more likely to use.

How much can I sue the credit bureau for? ›

If the violation was willful rather than just negligent, you may be entitled to up to $1,000 in statutory damages. If an item is being willfully misreported after bankruptcy, you may also be able to pursue sanctions for violation of the bankruptcy discharge.

How much can I sue for a FCRA violation? ›

Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit; however, damages are generally between $100 and $1,000 without any proof that the consumer suffered harm from the violation.

How long do credit bureaus have to correct errors? ›

Generally, they must investigate the dispute within 30 days of receiving it. However, it has 45 days to investigate if you dispute after receiving your free annual credit report.

How do I sue Transunion? ›

How to Sue TransUnion
  1. SEND A DEMAND LETTER. Most small claims courts require that you ask the person you're suing (the “defendant”) to fix your problem voluntarily before you file your claim. ...
  2. FILL OUT COURT FORMS. ...
  3. FILE YOUR COMPLAINT FORM WITH THE COURT. ...
  4. SERVE YOUR FORMS TO TRANSUNION.

Whats the lowest amount you can sue? ›

Legally, you can sue someone for any amount in court. The only criteria which has to be met, is that there is a valid cause of action. This refers to issues such as an unpaid debt. If you lent someone $150, and they never paid you back, you can legally sue them and take them to small claims court.

What are the best things to sue for? ›

Top 6 Reasons to Sue
  1. For Monetary Compensation. You can litigate against an entity who has committed some negligent action through which you suffer an injury. ...
  2. For Protecting Your Property. ...
  3. For Replacing a Trustee. ...
  4. For Getting a Divorce. ...
  5. For Enforcing the Terms of a Contract. ...
  6. For Discrimination and Harassment.

What are three ways to avoid going to court to resolve a dispute? ›

Alternative Forms of Dispute Resolution
  1. Arbitration. Arbitration is often viewed favorably because it can resolve a dispute more quickly than going to court. ...
  2. Mediation. Mediation usually is voluntary and tends to be less formal than arbitration. ...
  3. Administrative Hearings. ...
  4. Settlement Conferences.
18 Oct 2022

What are the 3 ways to settle dispute without going to court? ›

There are three commonly used methods of resolving disputes without going to court: negotiation. mediation. arbitration.

How do courts settle dispute? ›

Most are settled through negotiation, mediation, arbitration or other forms of alternative dispute resolution (ADR).

How many times can you file a dispute? ›

There is no limit to how many times a consumer can dispute an item on their credit report, according to National Consumer Law Center attorney Chi Chi Wu. “In some cases, it will take several disputes to resolve a mater.

How often are credit card disputes successful? ›

Your chances of prevailing in a credit card dispute are pretty decent. Businesses fight only 43 percent of disputes filed against them. And only 12 percent of chargebacks get reversed in the company's favor.

Do creditors respond to disputes? ›

Once you submit a dispute, the creditor has a duty to investigate your claim, according to the Fair Credit Reporting Act. In most cases, the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days.

Can you get your money back after a dispute? ›

When you file a transaction dispute, the funds from the original transaction may be forcibly removed from the merchant's account and returned to you. To receive those funds, you must first demonstrate that you attempted to resolve the issue with the merchant before filing the dispute.

How far can a dispute go back? ›

Federal law only protects cardholders for a limited time — 60 days to be exact — after a fraudulent or incorrect charge has been made.

What is the number one credit killing mistake? ›

Mistake 1: Late payments

Not surprisingly, a key way to depress your credit score is by paying bills late.

What credit mistakes are the most serious? ›

Missing a payment

Late or missed payments can seriously hurt your credit score if you're more than 30 days past due. You can expect a drop of 17 to 83 points for a 30-day missed payment and a 27 to 133 decrease for a 90-day missed payment, according to FICO data.

What are two things that can hurt your credit score? ›

5 Things That May Hurt Your Credit Scores
  • Highlights:
  • Making a late payment.
  • Having a high debt to credit utilization ratio.
  • Applying for a lot of credit at once.
  • Closing a credit card account.
  • Stopping your credit-related activities for an extended period.

How many people have mistakes on their credit report? ›

Hard to believe that 79% of all credit reports contain errors, but according to the FTC it is true. I know you are thinking!!!! How many of us would still be employed if we even made half the mistakes as the credit reporting agencies do on a consumers report?

What is the 609 loophole? ›

"The 609 loophole is a section of the Fair Credit Reporting Act that says that if something is incorrect on your credit report, you have the right to write a letter disputing it," said Robin Saks Frankel, a personal finance expert with Forbes Advisor.

Can your credit report be wiped clean? ›

Unfortunately, there's no way to quickly clean your credit reports. Under federal law, the credit bureaus have 30 – 45 days to conduct their investigations when you dispute information. If the credit bureaus can verify the information on your credit reports, it can remain for up to seven to 10 years.

Can you pay for delete on credit report? ›

In some cases, you can negotiate what is called a pay-for-delete arrangement. With pay-for-delete, you pay all or a portion of the debt in exchange for the collection agency removing the account from your credit report.

How long does it take TransUnion to investigate a dispute? ›

Dispute investigations can take up to 30 days. Will I receive updates during the dispute process? We won't send you updates, but you can log in to the TransUnion Service Center to check the status of your dispute on your own any time you want.

What happens when you dispute TransUnion? ›

Once you submit a dispute, the creditor has a duty to investigate your claim, according to the Fair Credit Reporting Act. In most cases, the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days.

Which credit report is pulled the most? ›

Most of the time Experian. In some rare cases they can pull Experian plus Equifax. If a credit card only pulls Equifax, will it report the card once approved to all three credit bureaus?

What lenders use TransUnion only? ›

Which Banks Pull TransUnion Only?
  • Avianca.
  • Apple Card - Goldman Sachs Bank.
  • Barclays.
  • Capital One.
  • Synchrony Bank.
  • U.S Bank.

Which is more important Equifax or TransUnion? ›

It's important to know that while each credit agency, or bureau, creates its own proprietary report, no single agency is more important than another. You may already be familiar with the three big consumer credit bureaus — Equifax, Experian and TransUnion.

Do lenders go by Equifax or TransUnion? ›

An Equifax credit score isn't used by lenders or creditors to assess a consumers' creditworthiness. Instead, many lenders use FICO Scores® to help determine a potential borrower's creditworthiness. FICO uses credit scores from the three reporting agencies, including Equifax and Transunion, to determine their score.

How many points is Credit Karma off? ›

But how accurate is Credit Karma? In some cases, as seen in an example below, Credit Karma may be off by 20 to 25 points.

Which of the 3 credit scores is most important? ›

While there's no exact answer to which credit score matters most, lenders have a clear favorite: FICO® Scores are used in over 90% of lending decisions.

What credit score is good to buy a house? ›

It's recommended you have a credit score of 620 or higher when you apply for a conventional loan. If your score is below 620, lenders either won't be able to approve your loan or may be required to offer you a higher interest rate, which can result in higher monthly payments.

How long does a credit agency have to respond to a dispute? ›

Consumer reporting agencies have 5 business days after completing an investigation to notify you of the results. Generally, they must investigate the dispute within 30 days of receiving it. However, it has 45 days to investigate if you dispute after receiving your free annual credit report.

What happens if a creditor does not respond to a dispute in 30 days? ›

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.

How long does a collection agency have to respond to disputes? ›

Like the credit bureaus, the collection agency has 30 days to investigate and respond to your dispute. Most disputes dealing with removing inaccurate information get resolved smoothly. Make sure you follow the steps and provide all the necessary documentation to back your claim.

How long does a company have to respond to a disputed charge? ›

The card issuer must send you a letter stating that it has received your billing dispute within 30 days of receiving it and complete its investigation within two complete billing cycles which generally means it cannot take longer than 90 days.

How long does a dispute take with TransUnion? ›

Most dispute investigations at TransUnion are complete within two weeks, but some may take up to 30 days. If you don't agree with the results, it may be a good idea to contact the lender directly and provide any documentation you have to support your claim.

How many times can you dispute a debt? ›

There is no limit to how many times a consumer can dispute an item on their credit report, according to National Consumer Law Center attorney Chi Chi Wu. “In some cases, it will take several disputes to resolve a mater.

Does disputing a collection restart the clock? ›

Disputing the debt doesn't restart the clock unless you admit that the debt is yours. You can get a validation letter in an effort to dispute the debt to prove that the debt is either not yours or is time-barred.

How long does the credit bureau have to remove the error? ›

The Fair Credit Reporting Act also requires that the three credit bureaus investigate and resolve a dispute within 30 days, although some investigations can take up to 45 days.

What happens if collection agency ignored? ›

Ignoring or avoiding the debt collector may cause the debt collector to use other methods to try to collect the debt, including a lawsuit against you. If you are unable to come to an agreement with a debt collector, you may want to contact an attorney who can provide you with legal advice about your situation.

What happens if a collection agency refuses to validate debt? ›

If a debt collector fails to verify the debt but continues to go after you for payment, you have the right to sue that debt collector in federal or state court. You might be able to get $1,000 per lawsuit, plus actual damages, attorneys' fees, and court costs.

How do I fight a collection agency and win? ›

Here are a few suggestions that might work in your favor:
  1. Write a letter disputing the debt. You have 30 days after receiving a collection notice to dispute a debt in writing. ...
  2. Dispute the debt on your credit report. ...
  3. Lodge a complaint. ...
  4. Respond to a lawsuit. ...
  5. Hire an attorney.

How do I win a charge back dispute? ›

Most chargebacks are illegitimate, and illegitimate chargebacks can be reversed. In order to achieve this, you'll need to gather compelling evidence that the transaction was valid and authorized. You'll also need to prove that you fulfilled your end of the sales agreement and the cardholder got what they paid for.

Can you get in trouble for disputing charge? ›

Can you Get in Trouble for Disputing a Charge? Yes. Cardholders can face consequences for abusing the chargeback process.

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