Distinct differences exist between utility tunnels with an irregular cross section and those with a conventional rectangular cross section in terms of construction processes and structural mechanical characteristics. Therefore, based on an ultra-long underground utility tunnel project in China, this study employs the numerical analysis software ABAQUS 2016 to conduct an in-depth investigation into the construction process and mechanical behavior of an irregular cross-section tunnel subjected to fault dislocation activity. The analytical results indicate that utility tunnels with different cross-sectional types exhibit identical failure characteristics when intersected by a ground fissure. Specifically, as the fault dislocation magnitude increases, surface settlement continuously intensifies. The tunnel segment located on the hanging wall undergoes significant settlement deformation, whereas the segment on the footwall remains relatively stable. The tunnel as a whole demonstrates “bending deformation,” which is particularly pronounced at the location of the ground fissure. However, under oblique intersection conditions, the irregular cross-section tunnel generates greater tensile stresses than those generated in orthogonal intersection scenarios. Notably, relatively high tensile stresses concentrate at the junction between the main chamber and the auxiliary chamber. Consequently, segmentation and joint installation measures must be implemented in this area during the structural design phase, and targeted monitoring and reinforcement are essential during construction.