TransUnion

Online site totally screwed up site is always having updates or error problems. Transunion is so backwards the still have me living in a home I haven’t lived in, in 4 years. I tried filing disputes not working

Paid off all my credit card paid of old back charges and Transunion still has it on their website that I didn’t pay luckily I was Apple to have all the merchants send me. Company.

Car hunting is the worst in your credit score they they say ti many car inquires that is what happens. Now I have DJ call is Farmer In The Dale back wood Jack credit union to get my thing fixed is some BS

Now I have to wait till I can I don’t what excuse you give fix the website and get back to help your consumers

Fraud report to ss general inspector submitted on 1/16/2024

fyi

for reference into my personal file!

Received a phone call "allegedly" from first bank on 1/16/2024 by mrs. Ortega (employee number 12142) to notify me about an authorization to pay $300 from my check account. I denied such transactions. However I did gave her my debit card, social security number, check account numbers and personal email. Later, I did inquired on how could I confirm that she was an fb agent. Meanwhile, I was receiving an alert message from yahoo stating a change on my password. Immediately I detected the fraud call and cut off the conversation.. Therefore, I did visited the firstbank today to close my bank account and to open a new one.

For reference:

the telephones associated to these fraud calls follows:

[protected] and [protected]

Does not recognize my password

I have made 5 calls to support. Each time you have given me a temporary password. THEY DO NOT WORK!

My account has now been suspended.

Either get me a way to access my account or cancel my relationship with you in its entirety.

This is a disgrace and you should be ashamed of yourselves.

10/27/2023

[protected]@hvc.rr.com

I have been trying to pull my report for all most two months on their site with no luck. I cannot do anything on the site, just log in. After trying to get a credit card from amazon, they tried to pull my credit report at TransUnion but sad they could not pull it. So, I got on TransUnion site, chat with support and asked if my credit was blocked for some reason and they say no its not locked. So, I try it again and no luck. Same. Then I logged in at the other two, Experian and Equifax and everything is okay. So, I go back to TransUnion and get on chat and ask them what's up. And the Reply was, (we already resolved this issue} and cut the chat short. No help at all. I just checked my Experian and Equifax score, and it has dropped many points for no reason. My payment is always on time and, I always pay more than the minimum payment. I only have one card. Does TransUnion effect the other credit bureaus scores?

Transunion is very unprofessional I have 5 derogatory accounts on my credit file that they refused to remove, 45 fraudulent inquiries they told me that they do not remove inquiries and I was told they don't they don't provide original contracts bearing my signature which is federally against the law I have made a report to the federal trade commission the better Business bureau along with the police report in it yet still have failed to remove all such increase in accounts I have two closed accounts that are still showing up on my credit report in a refuse to remove them. They are damaging my livelihood and destroying my reputation and make it impossible for me to obtain credit I need a lawyer cuz my next step is too sue I have been writing these company for a year now and I have not seen any type of results but negative.

I checked my credit score and transition is giving me a negative score for not having real estate. That it not right and should not allow my credit score to be lower due to that. I want to negative removed .

Also I have an excellent credit for over 20 years with no late payments and trans union has put me in a category and lowered my score due to have a lot of unused credit and a balance on my credit cards. I am using less than 30 percent of my credit and you are saying that’s bad and I am risky however I have a perfect credit history since 2000 so how can I be risky. Your company is unfair I have worked hard to make sure my credit is good and you have put me at a below 700 score when other credit agencies I am always between 720 and 750 . I am looking into finding a lawyer and I may sue your company because your scoring is unfair and has power to hurt what interest rates I get how much credit I would get if I was to purchase a car or home . I want you to fix this .

I currently have and maintain several credit cards that use Transunion for obtaining my FICO score.

Viewing these FICO scores today, 6/29/2023 I was able to determine the following information.

Transunion FICO score(s) information retrieved for the following credit cards:

Discover - 729

Barclays - 729

AmEx - 682

Capital One/Credit Wise/Vantage - 670

Which leaves a 59 Point difference?

Why, if the credit card companies are retrieving my FICO score over the same time period is there such a significant difference in my FICO score?

I gotta say, I was pretty disappointed with my experience on TransUnion's website (transunion.com). I mean, what's the point of paying for a membership when you can get the same perks from a regular ol' credit card app? I canceled my subscription the same day I signed up, but somehow I've been getting charged for almost two years now. How does that even happen? I called up their customer service, and the agent they recommended told me I still owed $500 for a subscription that I couldn't even access. That's just straight-up illegal, if you ask me.

Honestly, I wouldn't recommend this website to anyone. Especially after dealing with their customer service. It's like they don't care about your finances at all - they just want to take your money and run. It's unethical, disgraceful, and un-American. This company is a total shame.

So, save yourself the time, money, and mental health, and steer clear of TransUnion. Trust me, you'll thank me later.

TransUnion is a company that offers credit monitoring services to its customers. I have to say, my experience with them has been less than satisfactory. Their customer service is not up to par, and it's hard to understand some of their representatives because of their poor English. I subscribed to their credit monitoring service, which costs almost $30 per month. However, I have been having issues with my account being locked for "suspicious activity" all the time. I have to call them, and it takes me about 30 minutes to get through to them. Then I have to go through the verification process, and they finally unlock my account. But when I ask them what the suspicious activity is, they can't give me a straight answer. It's frustrating because a few days later, my account is locked again, and I have to call them back in. I don't want to spend an hour on the phone every week, unlocking my account so I can get alerts. It's ridiculous that a company like this is in charge of keeping all of our information. I have had a much better experience with Equifax, and I would recommend them instead. Don't waste your time with TransUnion; they're clowns.

I recently had an experience with TransUnion that left me feeling frustrated and disappointed. I had a background check done and was shocked to find that there were over twenty criminal charges listed on my report, including a felony. This was completely inaccurate and caused me a lot of stress and anxiety. Not only did it affect my personal life, but it also impacted my ability to be a guarantor on my daughter's lease.

Despite providing supporting documentation that proved I had no criminal history, TransUnion made virtually no effort to correct my report in a timely manner. I was told by their customer service representatives that they had thirty days to make any changes, but even then, they seemed to be dragging their feet. It was frustrating to deal with a company that didn't seem to care about the impact their mistakes were having on my life.

To make matters worse, my address, physical description, and birth name did not match the person with the criminal history. It was clear that there had been a mix-up somewhere along the line, but TransUnion didn't seem to be interested in fixing it. I was left feeling like just another number to them, rather than a real person with real concerns.

Thankfully, the landlord was willing to rent my daughter the apartment with my husband as a guarantor and my supporting documentation confirming that I have zero criminal history. However, I can't help but wonder how many other people have been negatively impacted by TransUnion's mistakes. It's a scary thought to think that a simple error on a credit report could ruin someone's credit, their ability to work somewhere, or their ability to rent.

In the end, I turned to another company, MBI Worldwide, to help me correct the report. They were excellent and corrected the report very quickly. Thanks to them, my employment was not affected and I was able to move on from this stressful experience. If you're considering using TransUnion, I would advise you to beware and proceed with caution. Their mistakes can have serious consequences, and their customer service leaves a lot to be desired.

I had a really frustrating experience with TransUnion yesterday. I was on hold for a whopping two hours, and today I've been on hold for an hour and a half. Yesterday, I got hung up on after waiting for 50 minutes. It's been a nightmare trying to get any help from them. They seem to be lazy and unhelpful, and I'm convinced that they're just after our money.

I've been having some technical problems with my banking app, and TransUnion is claiming that it's their fault because they're not providing my information to the bank. The app is supposed to be free, but TransUnion is insisting that they can't give my information to the bank. Bank of America, on the other hand, says that it's TransUnion's fault.

To make matters worse, TransUnion is refusing to give my bank my information and wants to charge me $10 for my score and information, which is supposed to be free. I'm currently back on hold, and it's been an hour and 40 minutes now. They're not willing to talk to my bank to resolve the issue, even though it's their fault. It's absolutely insane.

It seems like all they care about is making money, and they're willing to keep you on hold for hours on end to get it. They hope that you'll give up and just pay them. I'm so frustrated with TransUnion right now. They're the worst. I would recommend going anywhere else but here. They shouldn't even be in business.

I've been trying to get my credit report updated for the past three weeks and I've contacted TransUnion multiple times. Unfortunately, I haven't had much luck with them. They don't have an option to email them a copy of a 0 balance letter, and the customer service representatives I've spoken to haven't been very helpful. They all sound like robots, repeating the same thing over and over again without actually answering my questions. It's frustrating because I feel like they don't care about me as a customer.

I don't understand why I can file a dispute online and provide documentation online, but I can't email them a 0 balance letter. It doesn't make sense to me. To make matters worse, they're currently experiencing technical difficulties, so the only way to get them the information they need is to send it in the mail. In this day and age, it seems ridiculous that I can't just send them a picture of the letter on Snapchat or something.

Overall, I feel like dealing with TransUnion has been a waste of my time. I don't know why they have so much power over my credit score, but I think it's time for the government to reconsider their decision. It's frustrating to feel like I have no control over something that affects my financial future so much.

Back in 2016, I was in a tight spot and almost had to file for bankruptcy because of a couple of projects that didn't go as planned. My credit score was in the dumps, and I knew I had to start rebuilding it from scratch. A few years ago, I was able to get a new credit card with a low credit line of $1700 to help me along the way. I've been using it regularly and paying it off on time to improve my credit score.

Last month, I went on a trip and used my credit card for gas, hotels, and other expenses. I planned to pay it off in full at the next billing cycle, just like I've been doing all along. However, to my surprise, TransUnion decided to lower my credit score by 40 points between billing cycles. It happened less than five days after I reached 80% usage, and I find it ridiculous.

I don't need anyone to explain to me how their algorithms work. I'm 55 years old, and I've been using credit cards for over 20 years for business purposes. I've often racked up bills of $10,000 to $15,000 on my AmEx between cycles, only to pay them off in full within a month or two. Their algorithms don't take into account the full picture, and they're not fair.

I'm tired of this nonsensical system that we're all slaves to. One size never fits all, and that's true for anything in life. I hope TransUnion and other credit bureaus will start taking a more holistic approach to credit scoring, one that considers people's individual circumstances and not just their credit utilization rates.

I gotta say, I'm not too impressed with TransUnion. The customer service is just plain awful - nobody seems to know what's going on with my credit score, even though I know for a fact that my student loans aren't due until 2024. They keep telling me to buy my report online for "current info," but why should I have to pay for something that they already have access to? It just seems like they're more interested in making money than actually helping out the consumer.

I mean, compare them to Experian - those guys actually know what they're doing. Every time I talk to a TransUnion agent, they just keep saying "umm, I'm not sure" or "it's not guaranteed you'll get your points back even after you pay it off." What kind of answer is that? It's like they're not even trying to help me out.

And don't even get me started on the reporting. They're always getting things wrong, and my score is way lower with them than it is with Equifax or Experian. I've got a 740 with those guys, but TransUnion has me at a measly 577. And when I ask them why, they can't even give me a straight answer.

Honestly, I'm at my wit's end here. I don't know what else to do except leave bad reviews and hope that someone at TransUnion finally decides to help me out. It's just so frustrating - I've got this $1,400 student loan that's tanking my score by 100 points, and nobody at TransUnion seems to have any idea how to fix it. I'm praying for a miracle at this point.

I've been on my credit journey for a couple of years now, and I have to say that my experience with TransUnion has been quite unique. Unfortunately, it hasn't been a positive one. I've had a few interactions with their agents, and I have to say that they haven't been very helpful. In fact, I've had a couple of instances where the agents have muted the calls, so they don't have to deal with my questions. It's frustrating because I'm trying to get answers to simple questions, and I can't seem to get any help.

One time, I was told that I was speaking with a supervisor, but the same outcome happened. I was left on the phone, and eventually, I was hung up on all three times. I even asked the supervisor for some kind of ID or reference number, but she told me that she couldn't provide that information. It's just terrible customer service. I mean, if you're going to claim that you're a supervisor, at least have the decency to provide some kind of identification.

I also had a chat experience with TransUnion, and it was just as bad. I had to keep repeating myself because the agent couldn't seem to understand my questions. It's just frustrating because I'm trying to get some guidance on my credit, and I can't seem to get any help.

To make matters worse, I noticed that my credit score decreased on TransUnion when I paid my credit card bill. I only use 30% of my balance, pay half of it 15 days prior, and then pay the remaining balance on the due date. It's just ridiculous that my score decreased even though I'm doing everything right. It's clear that their system is not designed for the consumer, and it's just frustrating that I can't get the guidance I need from their company.

Overall, my experience with TransUnion has been disappointing. Their customer service is terrible, and their system is not designed for the consumer. I would not recommend them to anyone looking for guidance on their credit journey.

This company is really scary. I got a credit freeze with them and the other credit bureaus, and I was trying to lift the freeze for just 48 hours while applying for something. Well, something simple quickly turns into a project...

First of all, their online website based system has not been accessible for two days now. You just get an error message. It's like they don't even care about their customers. And if you try to use their automated phone system, forget about it. You get an error there as well, after spending time putting in all your information. It's like they don't even want you to lift the freeze.

So, the last resort is to call an agent and do it manually with them. But then the PIN they sent you doesn't work either, so now the agent has to take you through all these security questions from your credit report, and it takes forever. And one of the reasons it takes forever is that when you call, you get someone in the Philippines or something, and they are hard to understand. So, this US based company, handling the highly sensitive information, outsources their call center work to to foreigners, in another country... huh? That's who you give your social security number to, and your address, etc. Very confidence inspiring indeed...

This company is really $#*!ty. I can't believe this can happen in today's world. But it's only because they don't have to answer to anyone. Customer service is an unknown concept to them. It's like they don't even care about their customers. It's really scary to think that they have access to all of our sensitive information. I don't trust them at all.

Oh my goodness! I can't believe that these privately owned organizations control our credit. It's crazy to think that our personal information could be compromised from within. As consumers, we have no way of knowing who has access to our information. We're told to send our identifying information through the mail or fax, which leaves our information exposed to anyone who sees it. I was told that my driver's license and social security number weren't stored, but someone still had access to it.

Let me tell you about my experience with TransUnion. In 2022, I tried to access my credit report online, but I couldn't. I never froze my file, so I didn't understand why I couldn't access it. I spoke to six different people, but none of them could help me. They all told me to speak with a special department, which I did. However, the people in that department were rude and sarcastic. They didn't seem to care about my problem at all.

After three hours of frustration, I finally spoke to someone in the specialized fraud department who was professional and competent. She explained that I would never be able to access my credit report online because someone had tried to use my social security number for fraud before. Can you believe it? I have to call in every time I want a copy of my report. It's insane!

I don't even know if what they told me is true. All I know is that I had to speak to numerous people and provide different case and file numbers before I finally spoke to someone who was helpful. It seems like everyone who works there is miserable and unhappy.

Overall, I'm not impressed with TransUnion. It's frustrating that they have so much control over our credit, and it's even more frustrating that they don't seem to care about their customers. If you have to deal with them, be prepared to speak to a lot of different people before you find someone who can help you.

There was a security breach at my place of work and we where told contact yourselves and Equifax to put a fraud alert on our credit reports. For the last day I have been trying to get this done to no avail. Customer Service via the chat box do not pay attention and repeatedly ask the same question. I did NOT become a member but created an email/login as I wasn't not getting anywhere in the chat or phone. I received a message that my details could not be verified and to contact a tech support. I called tech support who said she was able to fix the issue and therefore I could put a fraud alert online myself. Given the severity of the issue I asked if she could not do this. She said it was not her dept. I asked to be transferred to the appropriate dept as I had been given the runaround for over a day now. She kept repeating she was tech support. I increasingly lost my patience, and noted that I realized she was tech support but "yes or no" could she transfer my call. She then proceeded to END the call. And lo and behold I can't login or contact tech support as I get disconnected each time I call. This is so unprofessional and SHADY.

On the [protected]:07 PM

I sent to the below email:

[protected]@transunion.co.za

doing a follow up as to why not resolved after I sent all information that was requested.

I was dealing with a Megan.

I cannot understand as to why this judgment still reflecting under my identity as well as my business entity, as I am the director 100%

Because of this I am struggling to get premises for my potential project.

I needed my mailing address updated according to the rep I spoke with. they had an address that I haven't lived at for almost 3 years on my account. I had been hung up on by the automated system at least 3 times while waitin gon hold. Then once I spoke with him I was transferred, hung up on. THen I called back spoke to someone who didn't understand mea nd I couldn't understand them. But she indicated at some point that my address was updated then ttransferred me back to have my account opned up. Then that person advised me it wasn't updated.

On may 25th, 2023 between 3pm cst and 5:30 pm I received the worst customer service experience of my life! You people are the biggest bunch of [censored] bafoons I have ever witnessed! I have had to call today 13 times today because of your phones fizzling out, the person transferring to the wrong person and a whole host of other problems. You [censored]ing retards keep transferring me to every other agent without getting a resolution!