Class Action Claims Trans Union Fails to Provide Consumers with Revised Reports

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A New Jersey woman has filed a proposed class action against Trans Union in which she claims the credit reporting agency fails to provide consumers with revised reports based upon revisions resulting from an investigation. According to the lawsuit, the federal Fair Credit Reporting Act (FCRA) mandates that Trans Union must provide “a consumer report that is based upon the consumer’s file as that file is revised as a result of the reinvestigation.” Trans Union’s alleged failure to observe FCRA regulations has caused the dissemination of false consumer information, the complaint alleges.

The lawsuit states that Trans Union will report in its investigative results that, for example, a dispute trade line is deleted, yet still provide a credit report containing the old information. Per the plaintiff, the case says her report contained three collections account trade lines that did not belong to her. After an investigation, Trans Union represented to the plaintiff that the disputed trade lines would be removed from her credit report, yet the woman found two of them remained.