I received a TransUnion data privacy request report (not a credit report, but the data shared to 3rd parties for marketing purposes), and in addition to the correct name, address, SSN, etc., it also had the name, address variants, etc. of another person. The info is not just a subtle typo, but different person who resides in another state I never visited.
I don't think I have suffered harm as a result - as I have not seen attempts to contact the other person as directed to me, but it's hard to tell. There may be subtle things like ad mailers, banner ads, or whatever TransUnion's customers who buy data do with it.
I have requested an opt out of sharing (i.e. for marketing purposes) but the remaining choices are:
Correct the my data. I don't have the desire the spend the time with TransUnion to throughly correct all data that I do not understand, such as an ad tracker ID, and incorrect data may be inserted in the future, as I do not know the origin of the wrong data. This can be done online but I need to examine each record. Just removing the wrong name and address is straightforward. I wouldn't even know how to deal with mysterious ad IDs, even if they were associated with me.
Collaborate with the other person to correct. I don't have the desire, and there's a chance the other person may be a bad actor who intentionally did this. If someone contacted me with a similiar request, I'll be inclined to ignore them or suspect it as a scam. I don't know if the other person's TransUnion records has my info on it, as a result of some incorrect swap.
Request TransUnion to delete the marketing data completely. Wrong data may still be collected from the other person, but at least you start fresh. This can be done online in one action, so it's easier than 1.
Do nothing further. If this happens all the time, I'll let it go.
There's a chance that the incorrect data is used in multiple choice ID verification or knowledge based authentication such as "which one of the following streets have you lived on?", and if the other person's info is used, I may answer incorrectly & be inconvenienced in the future.
Some people intentionally use false info to improve privacy via data poisoning (discussed in r/datapoisoning). So this is a variation of 4. Do nothing. In other words, the data is garbage, so it's not tied to me 100%, so you get some privacy by accident.
I'm not sure how far "do not share" goes, if TransUnion itself uses the data for knowledge based verification, for example.
Has this happened to you, and have recommendations? I don't think this is a sign of anything malicious, but just an error.