Equifax, Trans Union Named in FCRA Class Action in Virginia Over Identity Mix-Up

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The plaintiff behind a proposed class action filed in Virginia says Equifax Information Services, LLC and Trans Union, LLC should have to answer for allegedly mixing up his credit information with that of his father, who the lawsuit states “has a different name, date of birth, contact information and social security number.”

The lawsuit says the plaintiff discovered in October 2015 that his credit report contained two civil judgments supposedly entered against him in district court. In reality, the case continues, these judgments were entered against his father and substantially harmed the plaintiff’s credit score. Pinning the supposed mix-up on the defendants’ “overly broad matching criteria to sort data into a consumer’s credit file,” the lawsuit claims that when the plaintiff contacted Equifax and Trans Union to dispute the issue, the companies refused to process his request until he provided additional documents “from an arbitrary list of their own creation.”

“Equifax and Trans Union make money by selling credit reports,” the lawsuit reads. “Equifax and Trans Union do not make money by processing consumer disputes.”