Mixed Files: Trans Union Reported Cases: Several

Father-Son, Mother-Daughter, Junior-Senior-Trey [Generational Designators], Common Names, Variations on Social Security Numbers and Other Mixed File Issues
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Mixed Files: Trans Union Reported Cases: Several

Postby Administrator » Mon Oct 03, 2005 8:00 pm

Trans Union has historically plagued other consumers in mixed file cases. In Philbin v. Trans Union Corp., 101 F.3d 957 [3rd Cir. 1996], plaintiff was denied credit because Trans Union confused his name with his father's and issued mixed file credit reports. He brought an action pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681e(b).

In O'Connor v. Trans Union Corp., 1998 U.S.Dist.Lexis 6774 [U.S.D.C. E.D. Pa. 1998] [Also reporting decisions at: 1998 U.S.Dist.Lexis 15129, and 1998 U.S.Dist.Lexis 17321, and 1999 U.S.Dist.Lexis 14917.], plaintiff sued Trans Union for repeatedly mixing his credit records with that of his son, including improper posting of public records data. That case also settled before trial.

In Thomas v. Trans Union Credit Information Co., 1992 U.S.Dist.Lexis 15049, p.4 [U.S.D.C. N.D. Ill. 1992], the court noted that “[M]ore specifically, plaintiffs submit evidence that at least on one occasion Trans Union has delivered plaintiffs' credit information with that of Ricky Thomas in a mixed file without any warning that the information supplied, and used by Credit Data to generate a credit report, contained credit histories of three separate individuals: plaintiffs Richard and Rae Ellen Thomas along with Ricky Thomas.” Mixed file cases are very prevalent and problematic to consumers.

In Lazar v. Trans Union, 195 F.R.D. 665, 673-74 [U.S.D.C. C.D. Cal. 2000], Dr. Gary Lazar, an Oncologist, had his Trans Union credit reports repeatedly corrupted over a period of time exceeding ten years, on and off. Trans Union repeatedly mixed public records data belonging to a “criminal/tax deadbeat” named Gary Lazar [who resided in California also but had no relation to plaintiff nor did the “bad” Lazar steal plaintiff’s identity]. Bad Lazar merely ran up tax liens, judgments and other public record misdeeds to which Trans Union ascribed to Dr. Lazar. Dr. Lazar also repeatedly contested the false items only to be told by Trans Union that Trans Union would remove them but Trans Union would not remove them and re-reported them again and again over time.

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