California Federal Court Grants Class Certification to Nationwide Class Action Claiming That Trans Union Credit Bureau Wrongly Labeled Apartment-Hunters as Terrorists

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Francis & Mailman, P.C. and Evans Law Firm, Inc.: California Federal Court grants class certification to nationwide class action claiming that Trans Union Credit Bureau wrongly labeled nearly 11,000 consumers who were the subjects of its "SmartMove" reports (including apartment-hunters and other renters) as criminals and terrorists. The complaint alleges that Trans Union violated the Fair Credit Reporting Act by allegedly falsely labeling people as criminals and terrorists, allegedly without using proper procedures to ensure the accuracy of that information, and by allegedly refusing to give falsely-accused consumers complete copies of their reports when the consumers requested them.

This nationwide class action case involves nearly 11,000 potential victims who were allegedly subjects of Trans Union LLC "SmartMove" reports containing information that identified them as criminals or in some cases even "terrorists." Additionally, many of the individuals who were allegedly identified as criminals on these reports were allegedly denied their requests to obtain a copy of the report. Trans Union LLC is the nation’s third-largest consumer credit reporting service.

The complaint states that the representative of the class, Amit Patel, was denied the chance to lease an apartment after Trans Union reported he had 17 criminal records and was a "terrorist." When Patel discovered his rental application was denied, the complaint states that he requested a copy of the report, but this request was also denied.

The complaint alleges that the faulty programming and procedures that Trans Union LLC uses to match consumers to information in their databases (using "name only" logic to verify hits from records), Patel and thousands of others have been subject to reports that cite erroneous and offensive information.

Under the Fair Credit Reporting Act (FCRA), a consumer reporting agency must use reasonable procedures to ensure maximum possible accuracy of the information they report and they must clearly and accurately disclose to the consumer all information in the consumer's file upon request. The complaint alleges that Trans Union LLC violated both of these FRCA rules.

On June 25, 2015, Jim Francis and Lauren Brennan of the law firm Francis & Mailman, and co-counsel Ingrid Evans of the Evans Law Firm, argued for class certification in front of Magistrate Judge Laurel Beeler, of the United States District Court, Northern District of California, San Francisco Division. On June 26, 2015, the Court granted class certification, finding the class satisfied all requirements of Federal Rules of Civil Procedure 23(a) and 23(b)(3).

Patel v. Trans Union LLC, et al. is case no. 3:14-cv-00522 in the United States District Court for the Northern District of California, San Francisco Division.

Francis & Mailman, P.C., is a law firm that concentrates exclusively in consumer protection litigation. The firm handles both individual matters and class actions in the areas of unlawful credit reporting and debt collection practices, unlawful employee background checks, deceptive acts and practices and general consumer fraud. To learn more about the firm, please call 1-877-735-8600 or visit:

Evans Law Firm, Inc. is a plaintiff’s firm that has a special interest and focus in litigating class action and consumer fraud lawsuits, as well as elder abuse (financial and physical), and Qui Tam/false claims actions. Lead attorney Ingrid Evans has successfully represented thousands of fraud victims in class actions against large corporations. If you or someone you know has been the victim of fraud, contact Evans Law Firm, Inc. ( at (415) 441-8669 for a free and confidential consultation, or email info(at)evanslaw(dot)com.

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Ingrid Evans
The Evans Law Firm
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Ingrid Evans
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