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TransUnion · Nationwide credit bureau

TransUnion error cost you credit or a home?

TransUnion reports on you to lenders, and through its rental screening subsidiary, to landlords. If either report is wrong and TransUnion won't correct it, the Fair Credit Reporting Act lets you hold it accountable.

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Who TransUnion is and who relies on its reports

TransUnion is one of the three nationwide credit bureaus. Its credit reporting company, Trans Union LLC, is based in Chicago. Lenders, card issuers, auto finance companies and mortgage lenders buy its credit reports every day.

TransUnion also reaches the rental market. Its subsidiary, TransUnion Rental Screening Solutions, Inc. (TURSS), sells tenant screening reports that can include eviction and criminal records. So a TransUnion error can cost you a loan, and a TURSS error can cost you a place to live.

TransUnion’s record with federal regulators

Tenant screening accuracy (2023). On October 12, 2023, the FTC and the CFPB filed a complaint and proposed order in federal court in Colorado against TURSS and Trans Union LLC. The agencies alleged that the companies failed to follow reasonable procedures to assure maximum possible accuracy of eviction records, and failed to tell consumers which third-party vendors supplied the criminal and eviction records in their files. According to the FTC, the alleged problems included reporting multiple developments in a single eviction case as separate evictions, reporting evictions as filed or as judgments without showing later dismissals, and including sealed eviction records. The court entered the order on October 18, 2023. It required $11 million in consumer redress and a $4 million civil penalty, a total of $15 million, along with accuracy and disclosure reforms.

Security freezes and locks (2023). The same day, the CFPB issued a separate order finding that TransUnion, from as early as 2003, failed to timely place or remove security freezes and locks and told some consumers their requests had succeeded when they had not. That order required $3 million in redress and a $5 million civil penalty. The CFPB terminated it on November 3, 2025, after TransUnion reported meeting its obligations.

Errors that show up in TransUnion reports

  • Duplicate evictions. One case reported as two or three evictions because each court event was treated as a separate record.
  • Missing outcomes. An eviction that was dismissed or settled shown as filed, or as a judgment.
  • Sealed records. Court records that should not have been reported at all.
  • Mixed files. Another person’s accounts, collections or court records in your credit or rental file.
  • Freeze and lock failures. Requests to freeze or unfreeze not processed when you made them.
  • Dispute failures. Items “verified” without any real review of your documents.
  • Obsolete information. Negative items reported after the FCRA’s time limits.

How to dispute with TransUnion

  1. Get the right report. For credit, pull your TransUnion report through AnnualCreditReport.com or from TransUnion. For a rental denial, use the adverse action notice to identify the screening company and request the screening report itself.
  2. Use TransUnion’s official dispute page. Start your credit dispute through TransUnion’s official dispute page, which explains the online, mail and phone options. If you mail a dispute, use the address TransUnion lists there and send it by certified mail with return receipt.
  3. Be precise. Identify each item, say what is wrong, and say what is correct. For evictions, include the case number, court and outcome.
  4. Attach proof. Dismissal orders, sealing orders, payment records, an identity theft report, or ID and proof of address for a mixed file. Send copies, not originals.
  5. Keep everything. Save confirmations, letters, envelopes and results. Note dates of calls.
  6. Track the deadline. TransUnion generally must complete its reinvestigation within 30 days of receiving your dispute, or up to 45 days if you send additional information during that period (15 U.S.C. § 1681i(a)(1)). It must send you the results in writing within five business days after it finishes (§ 1681i(a)(6)).

Your rights under the FCRA

  • Accuracy (§ 1681e(b)). TransUnion and TURSS must follow reasonable procedures to assure maximum possible accuracy. Reporting one eviction three times is not accurate.
  • Reinvestigation (§ 1681i). Disputed information must be reasonably reinvestigated and corrected or deleted if it is inaccurate, incomplete or unverifiable.
  • File disclosure and sources (§ 1681g). You have the right to see the information in your file and its sources.
  • Free reports (§ 1681j). You are entitled to free reports in the circumstances the statute provides, including within 60 days after an adverse action based on the report.
  • Adverse action notice (§ 1681m). A landlord or lender that denies you based on a report must tell you which company supplied it and how to get a copy.
  • Time limits (§ 1681c). Most adverse information, such as collections and charge-offs, cannot be reported after seven years; bankruptcies after ten.
  • Identity theft block (§ 1681c-2). Fraudulent information supported by an identity theft report generally must be blocked.

What you may recover

If TransUnion negligently violated the FCRA, you may recover actual damages, including lost housing, higher deposits or rent, credit denials and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). If the violation was willful, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n).

FCRA Attorneys takes these cases on contingency, so there is no fee unless we win.

Get a free case review

The FCRA gives you two years from discovering a violation, and no more than five years from when it happened, to file suit (15 U.S.C. § 1681p). If a TransUnion credit report or rental screening report cost you credit or housing, and your dispute did not fix it, request a free case review. FCRA Attorneys has offices in Dallas, Houston, Chicago, Los Angeles and Atlanta, and files FCRA cases in federal court nationwide, directly or with local counsel.

Questions about suing TransUnion

Can I sue TransUnion?

Yes. Trans Union LLC is a nationwide consumer reporting agency, and its tenant screening subsidiary also furnishes consumer reports. Under the FCRA, consumers may sue for inaccurate reporting caused by unreasonable procedures and for failing to reasonably reinvestigate disputes. Whether you have a case depends on the facts.

I was denied an apartment because of a TransUnion rental report. What should I do?

Ask the landlord for the adverse action notice, which should name the screening company. Then request a free copy of the report and dispute anything inaccurate, such as duplicate or dismissed evictions. Keep the denial letter, the report and your dispute, and request a case review.

TransUnion said my dispute was verified. Can I still sue?

Possibly. A 'verified' result is not proof that TransUnion conducted a reasonable reinvestigation. If you sent documents that showed the error and TransUnion simply repeated the furnisher's response, that may support a claim under 15 U.S.C. § 1681i.

How long do I have?

An FCRA lawsuit generally must be filed within two years after you discover the violation and within five years after it occurred, under 15 U.S.C. § 1681p. Do not wait to find out where the deadline falls in your case.

Related reading

Sources

Updated November 2026. This page is general information, not legal advice.

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