Trans Union

DONNA of OCEAN CITY, NJ February 7, 2010

I have been trying to get my free annual credit report from Transunion for over 2 years now and they refuse to send it to me. I sent them many forms of my id as well as what they required to verify my address. I sent them more proof than they asked for. I have been denied renting an apartment & also credit due to their report. I am entitled to an annual free credit report but they will not send it to me.

johnny of Duluth, GA January 27, 2010

I purchased the 3in1 credit report with credit score. I noticed it didn't look the same and discovered the credit bureaus are using a new scoring system. 3 months ago when I checked my credit my score was 775 out of 850 or good to very good now my score was 795 out of 990 and rated the letter C for average. Nothing on my report was different from 3 months ago.

Then I noticed where it says pros and cons of your report I only had cons where 3 months ago I had 1 con and 3 pros. Now my con was accounts not old enough same as 3 months ago but also my credit limits were to low, I have 20,000 in available credit and no debt, and for the first time because I have no real estate loans they are reducing my score. Have they not heard that the banks aren't lending to most?

Three months ago they were praising me for no late payments and very low debt to credit ratio and consistent use of credit cards. Now these factors no longer are used to determine score. I have decided I will not purchase credit reports or scores from any of the 3 bureaus anymore. I will request one of my free annual credit reports every 4 months to monitor whats on them.

Michelle of Bonaire, GA January 7, 2010

I am highly suspicious of Transunion's business practices. As stated in many of the other complaints before mine, the TrueCredit webiste is a maze of attempts to sell unwanted features, in fact, I was only once able to log on and find my actual credit report and then never again. It is like playing a game of Mousetrap. I must believe at this point that the business model is set up to deceive and extort.

As stated by others, no phone numbers are given for cancellation. One must navigate throughout the company to attempt to reach the correct person in order to cancel. They will tell you you are trying to cancel the internet account, but you have the mail account and vs. versa. When you get to the point of cancellation with the potential correct offshore representative, mysteriously the connection will be lost. The person will say, "Hello?", "Hello?" over and over pretending they can no longer hear you.

After several instances of this at different times and different phones, the truth is that this is a scam. When asked why I was cancelling I said because I have tried to cancel over 5 times with no luck. They try to convince you to stay, but all I want is out! I finally received a cancellation #, but my credit card is still being billed and I am still receiving notices when something on my credit changes 3 months after cancelling.

I am so ready to contact my attorney. If they bill me one more time, consider it done. I am researching how to have this company investigated for fraudulent practices. I am still being billed for a service I do not want and was told was cancelled. I have spend way too many hours on this and zero looking at my credit score!

leamon of dequeen, AR December 30, 2009

in 2000an 2001 i owe state tax i payd then off in 2003 yet in 2009 i find out tran union hold this on your records for 7 years but now in dec of 2009 i find out they did not show me clear in 2003 so i just got all this mess clean up again in 2007 i clear this up i though but now it back again i have proof of all records now in 2009 tran union says it there for 7 years so y do i have to wait 7 more years for there screw up /tran union is a joke /my mess is clear up in 2003 yet u dont think so[ i hope barn.bailey dot get near you they need all the clowns they can get ]so tell me what to do now

james of victor, NY December 15, 2009

i recently requested my free annual credit report from transunion. on the personal information page my name is #1 then they have below that "other names" james d. k., i am james "f" k. the ssn and d.o.b. is correct. the previous address is wrong. the employment data is for james "d" which is wrong. the credit information is not correct since they have merged james "f" and james "d" information which has damaged what should be my perfect credit history.

now i have receieved notice from a bank issued credit card that my credit limit has been lowered substantaly. there is no way i could apply for any type of credit with the misinformation on this report.

robert of kamuela, HI December 11, 2009

Once you sign up for True Credit 3 in 1 monitoring service, the web site will not allow you to cancel your service. There is no contact number, address or cancelation ability anywhere on the True Credit web site. Also, the web site does not update with correct information. I was able to obtain credit reports through each individual credit agencies, and some information did not match. And the credit score numbers on the 3 in 1 Credit monitoring were way off from the number provided by the individual companies. .

Keri of Indianapolis, IN December 3, 2009

My mother received a notice of class action after the deadline to opt-out. We both had bankruptcies and seemed to qualify, but I never received any notice. I looked into the credit reports I had from trying to get a professional license and found that the exact behavior that the settlement is for is continued after the close date; if that makes sense.

I guess what I mean is that the last date for failing to report a bankruptcy discharged debt as such was May of 2009, while after that the major credit bureaus are reporting some such debts as open, charged off, owing, late, etc. We have bankruptcy papers along with dated credit reports to show this. Originally eligible for a professional license in Spring 2008 and as of this date have been continually denied because of credit. Mother: constantly denied housing, insurance, and the like even to this date.

Kara of Aurora, CO November 21, 2009

Disputed an erroneous account on my credit report. After investigating, on 9/24/09 TransUnion sent me a letter notifying me the account was being deleted. Had my credit report run today and this damaging data was still present on my credit report. My rights and trust have been violated and my credit score has dropped 100 points due to this deliberately inaccurate reporting of my credit history.

Ken of Oakland, CA November 11, 2009

I was a recent victim of identity theft on several credit cards. It appears the source is actually TransUnion itself. Somebody logged into the system using background information and SS# from me and changed my username and password. The real problem is that TransUnion posts the full credit card numbers for all my accounts on the annual credit report unlike the other two credit rating services. The theives were able to get all my accounts right from TransUnion and cash advance from my cards. This is crazy. Why don't they just X out some of the numbers so that an impostor can't get the full account information. It was also ridiculously easy for someone to access my information. The same thing just happened to a colleague on TransUnion.

Raymond of Centralia, MO November 3, 2009

I have a problem with Trans Union not recording my correct address. I have sent them a copy of my driver's license several utility bills, a mortgage statement, letters addresses here from the VA.and so on. After several attempts they still fail to record my correct address. I wanted to get a credit card from Simmons, and was denied because of their poor recording of my address.

I have been here since the first of the year and would like to resolve this with them. There are two extra hard counts on my report because of their negligence. Both other credit agencies have my correct address, and I have not had to send them anything. As a result I have been paying 12% interest instead of 7% for 5 months

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