When an erroneous item is included in your credit report, shouldn’t you be able to find out about it and have it corrected, directly and efficiently? The complaint for this class action brings suit against TransUnion, LLC, alleging that it dodges requests meant to illuminate incorrect entries in the files of its subsidiary, TransUnion Rental Screening Solutions, Inc. (TURSS) while that subsidiary offers no other contact for corrections but TransUnion.
Plaintiff Michael Reid Lewis and his wife applied to rent an apartment in Pine Mountain Club, California, in June 2019. Lewis paid to put in application that required a background check. On June 14, their application was rejected. The e-mail informing them said this was “based in whole, or in part, on the information in your Screening Report provided by TransUnion, the Credit Reporting Agency.”
The problematic information indicated that Lewis had a criminal record. The complaint alleges, “In fact, the convictions TURSS reported belonged to individual(s) with a similar name to [Lewis], but none of the reported convictions belonged to [Lewis].”
The e-mail said that disputes could be mailed to TURSS at an address the complaint alleges has a TransUnion office, but not a TURSS office. Another address given for disputes was the e-mail address TURSSDispute@transunion.com.
The report procured on Lewis was called a SmartMove report. The website for this is supposedly www.mysmartmove.com, but the complaint claims that this website “is replete with large banners containing [TransUnion’s] branding, with the only reference to TURSS in tiny text at the very bottom of the page…”
Lewis then requested a copy of his full file from TransUnion. In response, TransUnion sent an eight-page disclosure. However, the TURSS report was only noted as an “Account Review Inquir[y]” without any of the substance of what TURSS had reported to the landlord or any of the underlying records.
The complaint alleges that this violates the Fair Credit Reporting Act (FCRA): [Transunion] consistently fails to comply with its obligation … to disclose consumers’ full files.” This “makes it difficult for individuals trying to clear their names, such as [Lewis], because consumers often do not know what specific entity they need to direct their request to, and are unable to receive a copy of their TURSS file if [TransUnion] fails to provide it.”
The complaint claims that at the time of Lewis’s request, TransUnion was already involved in a similar lawsuit, “a case making similar allegations against [TransUnion], with respect to eviction records…”
The FCRA Disclosure Class is all persons living in the US and its territories who, between April 6, 2016 and the resolution of this case, asked TransUnion for a copy of their consumer file and TransUnion provided a response that did not include a report from or data held by TURSS, even though such a report or data existed. A similar CCRAA Class has been defined for violations of California’s Consumer Credit Reporting Agencies Act.