TransUnion reviews & complaints 105
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customer service credit report credit score experience information account access report address supervisor credit card dispute credit mail equifax experian loan subscription email fraud alertNewest TransUnion reviews & complaints
awful service
My son that has just turned 18 has been a victim of Identity fraud, which his own father committed, he has used his social security number for work, because his father didn't want to pay his back child support, unfortunately they have the same name on Jr. and Sr. separate them, anyhow to make a long story short I learned that this wasn't the first time he's done this to him, My husband well soon to be ex is incarcerated now for other crimes he's committed, So I went to the police and showed them the pay stubs with my son's social on them that I had found, I was outraged! Now there's a pending investigation with that and hopefully they tack another charge on him before he gets out of jail, as far as mine son is concerned I had put fraud alerts out, have contacted the FTC. and Have been trying for months now to get my son's credit report, because God only knows what his father did with my son's social, I need to fix his life and the only way I can do this is get his reports in which these people are giving me a hard time about and I don't understand why? All I hear is we need more information in which I have given them registered mail at that this was over a month ago and still no credit reports, I tried calling them but all you get is a recording no live representative to help you, I don't know what to do anymore about this, It is imperative that I have these credit reports so that I can fix my son's life.
The complaint has been investigated and resolved to the customer’s satisfaction.
changing service w/out notification
I've been a customer of truecredit since 2002. Today, I learned that they had significantly change my service without first notifying me. In my view, this practice is unacceptable, poor customer service, and a just bad business practice. The service I originally had with the company allowed me access to all 3-credit reports (TransUnion, Experian, and Equifax) and credit scores at anytime and as often as I wished, with only one monthly charge. Now, I only have unlimited access to TransUnion's credit report and I can only obtain access to the other 2-credit reports once per month. This is unacceptable, and the people I spoke to in their customer service office (in India) would not even offer to restore my old service. The line I received from them was basically the service is now different and I have no options. Well, I do have an option; I terminated my service with truecredit.
The complaint has been investigated and resolved to the customer’s satisfaction.
blocks my government mandated free credit report
As we all know, we are entitled for one free credit report every year by logging on to annualcreditreport.com. This is the official web site supposedly set up by the three credit bureaus, Experian, Equifax, and TransUnion, as mandated by the government. Obtaining the free report from Experian and Equifax was easy, but not with TransUnion. As a matter of fact, I haven't been able to get a free credit report from them since this program was started.
Every time I request report from TransUnion through the annualcreditreport.com website, it would ask me for my "TransUnion" log in and password. Years ago I bought a credit report from them and I created a log in name and password. I don't remember that anymore. When I click the "forget my log in / password" icon, supposedly it emails the information to my old email address that I haven"t used for years now. When I call them, they also ask for my old user name and password which I don't even remember. To make the long story short, I am not able to obtain a free credit report form TransUnion. I always end up paying for it, which they make it so easy to do. I believe that they designed the procedures of obtaining a free report so hard and complicated to re-direct the public to their pay-only website.
The complaint has been investigated and resolved to the customer’s satisfaction.
Trans Union is based in Chicago, Illinois, and is one of the three national credit bureaus, or consumer reporting agencies, in the United States. It currently handles data on approximately 160 million consumers. As a consumer reporting agency, Trans Union receives detailed credit information about millions of American consumers from numerous credit grantors including banks, mortgage companies, credit unions, auto dealers and others. Trans Union compiles this information into consumer reports and sells the reports to credit grantors nationwide.
In addition to its credit reporting business, however, Trans Union also sells a variety of target marketing lists through its subsidiary, Performance Data. Using the consumer information it collects, Trans Union creates lists of the names and addresses of specific categories of consumers and sells them to target marketers who in turn solicit the consumers to purchase goods and services.
*not only are they guilty of selling personal and private information to whomever will pay for it,
THEY BLOCK ACCESS TO FREE REPORTS, AND DRIVE MOST INTERNET AND PHONE TRAFFIC TOWARDS PAYING A 14.95/MONTH (180/YR) SERVICE.
THE LINK PROVIDED FOR FREE ANNUAL CREDIT REPORTS IN ACCORDANCE WITH The Fair Credit Reporting Act (FCRA)is annualcreditreport.com, but TRANSUNION WILL NOT PROVIDE ANY CREDIT INFORMATION AND WILL LINK TO A BROKEN WEBPAGE. THEY WILL ASK FOR VERIFICATION INFORMATION THAT IS INVALID OR OUTDATED, ALL GEARED WITH THE INTENTION OF DENYING PEOPLE ACCESS TO THEIR OWN REPORTS.
Why the government has not shut down TRANS UNION?
All the money they should be investing in customer service they are investing in lobbyists.
With the importance of a credit report/score in every american life, you would imagine this entity would be subject to the most strict standards, after all they determine whether you are eligible to loans and at what rates.
I've witnessed for many years horror stories about how this company fail to report accurate credit reports consistently.
I went to annualcreditreport.com as well. I was able to get Experian and Rquifax, but TransUnion was "experiencing a problem with the web site" and I was told to try later. Now when I go into annualcreditreport.com, the TransUnion selection says "Verified" and I can no longer get the credit report - it says I already received it. I'm not sure why I bother, no one seems to care about the credit report anymore. All creditors want a credit score and the one that you can get, after paying lots of money for, isn't even the one the creditors use! Thanks Congress for really looking out for the people! What a joke...
For me it is always a group of phone numbers in a city I lived in last in 1996. None of the numbers ever match a number of even my friends and family. Previous to that it was the card number from my JCP credit card from the eighties.
What is going on is they are trying to profit from forcing you to give them a credit card over the phone to pay for a new credit report... when in some cases you are able to get a credit report on your account. But when you are trying to dispute it, you are kicked off or logged off. You are entitled to a free credit report more than once a year due to the fact if you been denied a loan or even suspect being a victim of identity fraud. If you are having issues with the person you are dealing with on the phone with Transunion. Simply hang up and try calling back and hope you get someone else that knows what they are doing. Even though you forgot your username, they should be able to give it to you over the phone and send a reset to your new email address. You give them your new email address and they are suppose to send a special reset password link to the new email address your provide them. They cannot give you the password but should be able to provide you a username somehow.
I was lucky to have old credit reports that were really old... they started asking me for account information and account numbers from 10 years ago... otherwise they would not grant me access. They are a pain but I think they are cracking down because they probably got into alot of trouble! Here are two numbers you could try calling for transunion... I would recommend having a Transunion File Number if available otherwise they should be able to unlock access. Make sure you do not get off the phone with them until its confirmed you could log in... you should even be in front of your computer on Transunion website and logged into your email while you have them on the phone. They will tell you that nothing is blocked but they are not even checking your account so you won't have to keep calling them back.
Transunion #'s
[protected] or [protected]
If anyone needs help with their credit, you could email me at 100creditrestore@gmail.com
Goodluck!
I agree they are trying everything to make it impossible to get our credit score. I just tried and while Experian and Equifax were ok Transunion wasn't going to give up that information no matter what. I was told that I was not able to be verified online and that I would have to choose phone or mail verification, I chose phone. They then presented me with 6 phone numbers I never had and said I had to choose one. I said none they weren't mine. They said hmmm can't help you then, go and download and fill in this PDF file, print it and send it back to us by snail mail and we should be able to get to you in 3-5 weeks. Or you can go to our website and PAY, then you don't need the phone number (your credit/debit card will do just fine). What a ripoff, these people should be reported. Meanwhile they have inaccurate information on me I am unable to correct.
Similar...I know it is my right to get a copy of my credit report from each of the three controllers of our credit information and score. This is the first time I have tried to get it: Experian was fine, the other company's info is all wrong and I cannot get a free report from transUnion any way I try. They want me to give them my credit card and they will bill me in a month -- I do not want their alerts, counseling, passwords or anything else just my CREDIT REPORT.
THEY SHOULD NOT BE ALLOWED TO KEEP THIS INFO FROM ME OR ANYONE ELSE -- IT IS ILLEGAL.
I am having the same experience with TransUnion. After getting passes back and forth between annualcreditreport.com and Transunion and finally getting passes the security shell game, I get to the TransUnion link for a free credit report (It took a week of trying) and it denies me the report because it erroneously states that I already got the free report. What can be done about these credit bureaus proliferating false and duplicated derrogatory entries on credit reports and then making it nearly impossible to fix the errors with each credit bureau. We are being taking by highway robbers and there does not seem to be any recourse for the credit bureaus reporting false information or making it nearly impossible to fix. Can a congressman look into this and do something?
I had the same experience--three years in a row. Finally I sent in a complaint about it and they told me:
You have to mail in photocopies of your ss card, drivers license, and some utility bill.
I had to switch from paperless billing to postal mail bills just to get a utility bill for them (copies of online bills are unacceptable, they say).
I did finally get the report. It is, of course, terribly inaccurate. Wish me luck getting the disputed stuff off of there. No intelligent company should base their credit decisions on Trans Union reports because the company does not lift a finger to correct anything that's inaccurate.
I just tried to get my FREE annual credit report (only) from TransUnion. Every option on their website required submitting a valid credit card number or an online check. My credit card was charged $10.50. I have filed a complaint with the Federal Trade Commission. I plan to dispute the charge with my credit card company. I had absolutely no trouble with Experian or Equifax. TransUnion appears to be blatantly ignoring the law or, at the very least, using misleading business practices. Is this the kind of company that we want to allow to maintain and disseminate our credit information?
scam and fraud!
Trans union is really funny, they are required by law to report accurate and up to date info, but recently they changed the company policy to no longer dispute inquiries. Well thats ok until I became a victim of i. D theft. After calling the other two credit bureaus and placing a credit alert on all three they removed all the unauthorized inquiries except trans union. I was told to contact the inquires directly and ask them to remove them. I have called sent letters registered receipt requested everything... Absolutely nothing in reply. I re contacted trans union and told them about this they said basically sorry we cant help my credit is ruined not from unpaid credit cards or loans etc but because trans union wont remove these charges that average about 10 hits a month I know 51 inquiries on trans union 48 are not mine the other 2 credit bureaus have 4 combined. I am now contacting my legislator to request help but hope this can get some action on its own.
TransUnion is a total JOKE!
I second that emotion.
The information that they carry is only half correct, at best.
I tried to set up an account to see if that helped and on the "verify your identity" page they ask me to verify what city some person, I've never even heard of, has a business in.
Go figure.
If you try to find someone to talk to about the website that is screwed-up, you can't.
Can't talk to anyone at corporate either. they're to good to talk to us peon's.
TRANSUNION IS USELESS
TransUnion is a total JOKE! I have a credit card, school loan, social security card and concealed weapons permit all in my married name that I changed 7 years. When I recently applied for a loan, TransUnion informed the lender that my last name was my previously married name. Social security and the IRS have it right and these clowns can't do that and yet they are SUPPOSEDLY gathering current, up to date information on all of us?!
Instead they told me I had FAX (fax...really? this is 2017) or mail (yeah! That's secure!) all of my important information over to them..driver's license copy, social, their file no. along with my current address. I spent an hour trying to fax them from a Staples. Mailing it makes me feel like a carrier pigeon would get it there safer and in more time. I am seriously not impressed. I'm 60 years old and have never seen such a ridiculous way of supposedly running peoples lives in my life.
I was offered a $1 credit report because of the recent EmblemHealth data breach. I thought $1 was a bit too good to be true, so I read everything carefully. There was nothing about a membership fee or trial fee or anything like that. I even did one for my wife.
My credit statement came and show two $19.50 charges. You can imagine how furious I was. Visa was helpful. They remove those charges and will block any future charges from Transunioun the scammer.
I am seeing a debt on my credit that is in no way possible mine, I have never use a CAPITAL ONE credit card, never had one yet this Trans union garbage that I need to pay them to remove this on my credit report ! I was about to sign up but just before I did I searched the web and found this page. I am so happy I didn't sign up but the matter of this phantom card and debt is still present. What can I do ?
I got scammed by someone posing as a landlord wanting a credit report - followed their link to a website to fill in the information. It turns out I was signing up for a recurring monthly fee, which I had no idea I was signing up for and nothing on the webpage suggested such. It makes me wonder if people get a commission for getting people to sign up in this scamming way. The property agent/landlord never got back to me. I don't usually fall for this stuff but in the midst of trying to find a place to live I fell for the bait. Don't trust them.
Quite silly to do such a thing.
Our credit bureau here in South Africa is also Trans Union, they still handle dispute for a fee, but they don't do anything to remove the info from your credit listing. I have contacted them, by phone and after submitting proof that all accounts except my house which I still pay off, no other credit outstanding. I had a Judgement that block me from getting credit the bank said Trans Union must remove it and Trans Union indicated that they did, but it is still on my record.
I am now also contacting legal service to get assistance.
You are right those people are mostly lazy and just are their to occupy space specially here in SA
WHY DO WE HAVE TO PAY TO SEE OUR OWN INFO THESE CREDIT REPORT COMPANYS ARE ALL WORKING FOR THE BANKS I HAVE BEEN TRYING TO GET A CAR LOAN OFF MY CREDIT DUE TO A DIVORCE I HAVE USE LEXINGTON LAW AND ALSO A COMPANY IN COLORADO I HAVE SPENT A LOT OF MONEY TRYING TO GET MY CREDIT REPORT FIXS ITS BEEN 5 YEARS I STILL HAVE STUFF ON MY CREDIT REPORT FROM 2003 ITS 2014 IM TRING TO BUY A HOUSE AND CANT BECAUSE THEY WONT REMOVE THIS CRAP OFF MY CREDIT ITS ALL JUST A SCAMMMMMMMM WE NEED JUST ONE CREDIT COMPANY THAT AMERICANS CAN SEE THERE CREDIT REPORT ANYTIME THEY WANT ON A WEBSITE AND NOT HAVE TO PAY JUST TO LOOK AT YOUR OWN DAM INFO THE BANKS ARE RUNNING THE CREDIT COMPANYS SO THEY CAN CHARGE HIGHER RATES TO AMERICANS THIS NEED TO STOPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPP
I went online to get my free annual credit report that only cost me $12.97. After looking at the false information on my report I tried to dispute it online. No longer available. I called and was told to send D/L. social security card picture, utility bill and my complaint. My complaint is that the useless company wants very personal information sent by open mail to a company so incompetent that they can't do their job right. I tried to print my credit report after the charge for my free credit report and it contaminated my computer. Ran a four hour cleanup process and tried again and again it corrupted the system. Well, to make sure it wasn't my system I tried the local library computer and it too got corrupted. What a rip off.
The other Credit Bureaus, do not try to deceive or miss lead the consumer. They are very good. Not Trans Union. The personal questions info, that you enter is deliberately wrong and does not match your profile. When you go to the other two sites who have correct info i and Trans Unions is all wrong. Question it. If they force you to call a toll free number where you told to wait several weeks to get it mailed. Instead you get a fee charge and no report. It stinks and smells SCAM. They are a cheat and need to be band from this business. They bring shame to the industry. Question info on any report from this company. They cannot be trusted. The cheat seniors, disabled and low income. You may need a lawyer., contact your local state officials for assistance.
TransUnion - unauthorized charges
I got a free credit report and then they charged my bank account $11.95. I only found out who the company was through this web site. I called [protected] and talked with someone and they said I had a free trial but I have no ideal what I had as they didn't send any thing in the mail to show I had anything that I could cancel. They will not give my money back.
Read full review of TransUnion and 9 commentsTransUnion Customer Reviews Overview
Customers who have used TransUnion's services have praised the company for its user-friendly website, easy-to-understand credit reports, and helpful customer service. Many customers have also noted that TransUnion's credit monitoring services have helped them detect and prevent fraud, and have given them peace of mind when it comes to their credit.
TransUnion's commitment to data security and privacy has also been praised by customers, who appreciate the company's efforts to protect their personal information. Additionally, TransUnion's partnerships with other companies and organizations have been noted as a positive aspect of the company's services, as they provide customers with access to a wide range of credit-related products and services.
Overall, TransUnion has received positive reviews from customers who appreciate the company's commitment to accuracy, security, and innovation in the credit reporting industry.
TransUnion In-depth Review
Overview: TransUnion is a leading company in the credit reporting industry, providing businesses and individuals with valuable insights and information. With a strong background in data analytics, TransUnion offers comprehensive solutions to help businesses make informed decisions and individuals manage their credit effectively.
Services Offered: TransUnion offers a range of services to meet the diverse needs of its customers. These include credit reporting, identity verification, fraud prevention, risk management, and data analytics. Each service is designed to provide accurate and actionable information, enabling businesses to mitigate risks and individuals to make informed financial decisions.
Customer Experience: Accessing TransUnion's services is a breeze, thanks to their user-friendly website and online platform. The website is well-organized, making it easy for users to navigate and find the information they need. Moreover, TransUnion's customer support team is highly efficient and responsive, ensuring that any queries or concerns are addressed promptly.
Data Accuracy: TransUnion's commitment to data accuracy is commendable. They have robust verification processes and quality control measures in place to ensure the reliability of their data. By employing advanced technologies and rigorous checks, TransUnion maintains a high level of accuracy, providing customers with trustworthy information for making critical decisions.
Data Privacy and Security: TransUnion takes data privacy and security seriously. They have implemented stringent policies and practices to protect customer information from unauthorized access or misuse. With industry-leading encryption and secure data storage, customers can trust that their data is safeguarded at all times.
Industry Reputation: TransUnion has established a strong reputation within the industry. Their expertise and track record have positioned them as a trusted partner for businesses and individuals alike. When compared to competitors and market leaders, TransUnion stands out for its comprehensive solutions and commitment to delivering accurate and reliable information.
Pricing and Value for Money: TransUnion's pricing structure is competitive and offers good value for money. They provide flexible options to cater to the varying needs and budgets of their customers. Considering the quality and depth of the information provided, the cost is justified, making TransUnion a worthwhile investment for businesses and individuals.
Transparency: TransUnion maintains a high level of transparency in its processes and policies. They provide clear and accessible information regarding data sources and methodologies, ensuring customers have a complete understanding of how their information is collected and used. This transparency builds trust and confidence in the services provided by TransUnion.
Industry Expertise: TransUnion's team members possess extensive knowledge and expertise in the industry. With qualifications and experience in data analytics, risk management, and credit reporting, they are well-equipped to provide valuable insights and solutions. Customers can rely on TransUnion's expertise to navigate the complexities of the credit reporting landscape.
Innovation and Technology: TransUnion embraces innovative technologies to enhance its services. By leveraging advanced analytics and machine learning, they stay at the forefront of industry advancements. This enables them to deliver cutting-edge solutions and adapt to the evolving needs of businesses and individuals.
Partnerships and Collaborations: TransUnion has established strategic partnerships and collaborations to enhance its services and offerings. These partnerships bring added value to customers by integrating complementary solutions and expanding the scope of available information. The impact of these collaborations is evident in the comprehensive and holistic solutions provided by TransUnion.
Social Responsibility: TransUnion demonstrates a strong commitment to social and environmental responsibility. They actively engage in community initiatives and sustainability efforts, contributing to the betterment of society. By aligning their business practices with social and environmental goals, TransUnion sets an example for responsible corporate citizenship.
Overall Rating: TransUnion is a reputable and reliable provider of credit reporting and data analytics solutions. With their accurate and actionable information, user-friendly platform, and commitment to data privacy, TransUnion offers immense value to businesses and individuals. We highly recommend TransUnion to anyone seeking comprehensive and trustworthy credit reporting services.
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