Trans Union

I applied for a 30-day free trial period to monitor my credit and get my free credit score for $16.95 per month, which I can cancel at any time. Next thing I know, I have my credit card debited for $55.80 within the hour. Thinking that there was an error, I called customer service to have this fee reversed. What a surprise. They told me how I had individually selected an additional 3 more service reports. I responded by saying that there were no fees stated or agreed to on their website. Before you can log in for this free trial period and the $16.95 per month charge thereafter, they get your credit card information and then add on all of these additional fees without your knowledge.

I signed up with TransUnion to get my free credit report. I had to sign up for a membership, which would cost money after the first week, but they stated that I could cancel anytime before that week to avoid being charged. They give you an 800 number to call and cancel, but when I call the number, there is no way to cancel. I've been charged once, and don't want to incur another charge, but they make it impossible to cancel. What can I do?

I went to the TransUnion site through the government Free Credit Report website. I got the report pulled up and went to select "printer-friendly version" locked the Explorer session tight as a drum, couldn't print, couldn't escape, couldn't save. What a racket these folks have going. I tried to go back through, and yeah, you guessed it. The TransUnion site stated I'd already gotten my annual report. They would, of course, be happy to furnish another if I paid. If congress would get off its lazy ** and really do something for the consumer, perhaps these blood suckers might actually have to provide a contact number. What a racket.

When I ordered my credit report from TransUnion, they required that I sign up for a membership at a monthly cost. They also indicated that I could cancel this membership within 30 days of signing up and not be charged, but I had to sign up for the membership in order to get my credit report. They provided a phone number to call to cancel this membership: 800-888-4213, but when I called this number the voice/menu system only allowed me to order a credit report. There was no provision to cancel my membership or talk with a live operator. I could only order a credit report, and if that is not what I chose to do, a recording played that stated: "We are unable to process this call at this time. Please call again later."

This is fraud. They told me one thing in terms of being required to sign on for a membership at a monthly cost and being able to later cancel the membership. But their practice is quite different in that they make it just about impossible to cancel the membership. I have invested more than an hour so far in trying to contact them to cancel my membership to no avail. They are clearly intentionally obstructing the process. One gets the impression that either there is no way to cancel this membership or it is so difficult and extremely time consuming to do so that they are quite sure the vast majority of people will just give up out of frustration and lack of the enormous amount of time it will require to do so.

I repeat: this is fraud. They need to be confronted and forced to reply to what they are doing. They are treating the public - people who are contacting them for a credit report, simply because there are times when one absolutely needs to get one's credit report - with disdain and disrespect. This is deplorable and they need to be informed that it must stop. Thank you for taking steps to address this very important matter.

For the last year, I have been trying to find out what my credit score is. Every time I log in Transunion, it says that for security reasons, they cannot display my score. When I call customer service and ask them why, they do not give an honest reason. I am tired of this. I feel their customer service needs immediate improvement. I feel insecure because they have all of my information and I feel that identity theft can occur. Can you please help?

I ordered my credit score and credit report but they couldn't get enough information to pull out my credit file. They told me all I can do is phone in to get a credit report for free but not my credit score. Customer service said the only way I could get my credit score from them is to order it online which they said I couldn't do because again, they couldn't get enough information. They told me there is nothing I can do to be able to order online. The only way for me to get my credit score was if I got a lender to tell me when they do a background check on me. I really wanted to see my credit score.

I had a federal tax lien for $919 that was paid in full and released. After I disputed to have the status changed to paid and released with a zero balance, TransUnion reported back saying I owe $473,000 on the lien. I called twice and faxed them the IRS lien release form 668 with the same docket number, and a screen printout from the clerk of court that it was cancelled. They insist I owe almost half a million! This is such a derogatory report. I will sue them if I lose my job.

I keep getting alerts that on my Trans Union credit report, someone added other SS numbers and new credit items that are not mine. I cannot get access to my TR report, online access is blocked and customer service says they are working on the problem. It has been 3+ weeks. Their fraud department will not answer my questions and they will not let me dispute these errors which are greatly affecting my report and score.

A civil judgment in Queens County, NY Civil Court was rendered against me on 3/5/2010, and I was subsequently vacated on 9/17/2010. When I noticed that Trans Union was still reporting the judgment on my credit report on 3/5/2012, I sent Trans Union the Notice of Disposition from the courthouse which proved the judgment was vacated; and I asked Trans Union to remove the judgment from my credit report. On 3/12/2012, I received a letter back from Trans Union which stated that they verified the judgment was accurate, and they refused to remove it.

I then called the courthouse and spoke to a court clerk, who confirmed that the court records indicate that the judgment was indeed vacated on 9/17/2010. On 3/23/2012, I decided to call Trans Union, as opposed to writing a 2nd letter. I called and spoke to a heavily-accented male representative at their call center in India. I tried to explain to the representative that the judgement had been vacated and that I had sent Trans Union a copy of the official court document from the courthouse which was signed by the judge.

Unfortunately, the representative did not understand the legal term of "vacate" in American law. His response was "You did not send in the proper paperwork." I asked him what the proper paperwork would be, and his response was "I do not know." I told him I would need to know what the proper paperwork would be, so I could correct this on my credit report. Once again, he responded, "I do not know." At that point, I asked to speak to a supervisor. The supervisor got on the phone, and I explained the whole situation to her. She said she would have the matter re-investigated and that I would receive a response in the mail within 30 days once their reinvestigation was complete. In total, I was on the phone for 45 minutes. I hung up, thinking that this would be an easy fix once the reinvestigation was completed.

Today, I received a 2nd letter from Trans Union in the mail. It said that they re-investigated and confirmed the accuracy of the judgment! Are they out of their minds? What method of verification are they using? They are obviously not bothering to verify at all! I dialed the call center again. I spoke to yet another representative in the call center in India. I felt like, for a few moments, I was getting somewhere. I asked the representative if he understood in the US what it meant when a judgment was vacated. He said that he did and that he understood my problem and that he would correct it. And then he added, "So we will re-investigate and you will receive our results in the mail within 30 days."

I thought I would lose my mind. I tearfully explained to him that they had investigated three times already, and each time, they have investigated incorrectly. His response was "Well, did you pay the judgment." At this point, I really was ready to have a complete breakdown, and I responded, "No, I do not have to pay the judgement. The judgement was vacated. That means I do not have to pay. That means the judgment is null and void. The court reversed it's original decision. The judgement no longer exists. Why would I pay?"

I asked to speak to a supervisor. He would not put one on the phone. I am at the end of my rope. I do not know what to do at this point. Trans Union's inaccurate reporting is preventing me from getting credit, causing me emotional grief and wasting my valuable time. It is an atrocity that a company that reports on American's credit would outsource their call center to another country with representatives who do not know what they are doing or understand American laws. I now have to wait another 30 days for them to "re-investigate," and I do not have any hope that their third investigation will be any different from their first 2 so-called investigations.

The worst part of it all is there is no end to this--no higher up I can speak to, to rectify this. I am going to write to the FTC now and the Attorney-General's office. How can this company ruin people's credit scores like this? It must be illegal. I am ready to sue them, if it is possible.

I called Trans Union today to ask a question about my file. There is an address on my account that I believe was reported, but the company who I believe set up a fake loan in my name. The address wasn't even a real address, it was a post office box number (a red flag should have shown up there). They told me that anyone can report any address to my account and report anything and that they have no way of knowing who it was since it was reported electronically and that they just assume that it is a person/organization that has permission to access my file.

When I asked to speak to a manager to complain, that's when I was told that I was reaching a call center in India and that they don't have the same privacy rules as Canada and therefore they really don't care who reports on your file. From what he says, both Equifax and Trans Union call centers are in India. I knew something was wrong when he asked me where I was from and I said Toronto, then he asked me if that is considered Ontario. Wow! What a great country we have here.

Don't think for a minute if you put a fraud alert on your file that you are protected because these people have proven that there is no protection. I am actually going to write the address shown for Trans Union and ask them about the call center screening process regarding privacy. If there is no screening process and anyone can work at these call centers, no wonder Identify theft is on the rise when they don't care who can get access to your personal information.

This product sucks. My score shows an increase of 20 points up from last week. I told this to a mortgage broker who is helping me buy a home. He ran my credit. So called TransUnion (true credit) has my score less 23 points. How the hell could it be? This product is a scam. That's why I cancelled.

Trans Union is the biggest scam for a credit reporting company I have ever seen. My trans score just dropped for these reasons: 1. Too many serious delinquencies (Reason 24). I have had one delinquency in the past 10 years; 2. Too many inquiries (Reason 22). I just did a refi on my house with my own mortgage company. They ran a credit check; 3. Too few satisfactory mortgage accounts (Reason 46). They are joking right? In the mid 90s, I had and paid off a house. I bought another one. I paid that off early 2000. I bought a third house and have been living in it for over five years. That is 20 years of mortgages by my count. What is their good number? 4. Bankcard account balances are too high in proportion to credit limits (Reason 06). Over half of my credit cards are empty. My ratio is at about 25% according to anyone in banking that is outstanding. Don't ever give the frauds in this company a dime for their reports. They should go to jail for screwing with people's credit scores. For these reasons, they tank my score.

Online Tabs to view credit reports lead to spam and advertisement. Checking back on TransUnion to see my credit report is a game. TransUnion should be reported to Better Business Bureau for keeping personal information, like how many hours I stay online a week. How does that affect my credit? All tabs on their online sites don't get you anywhere near the information you need to see your credit. Their website is deliberately set-up to send you in circles. The government regulates everything else...what happened to monitoring these credit sites?

I tried to freeze my credit and these clowns asked me to verify my identity (that I had just entered) then they changed my security question to something I never answered. Then when I couldn't answer the question that they never asked me, they said they couldn't verify my identity. At some point, incompetence becomes criminal.

I went to annualcreditreport.com and was transferred to TransUnion. I jumped through all their "hoops", - answering ridiculous questions from 15 years ago- I don't remember all that crap. They gave me something that is not ancient. Then when I did get through correctly, they tried to send me back to "annualcreditreport.com", to request a free credit report! Amazing.

How do they think I got there in the first place? Then to top it off, when I did request it, they wanted to charge my credit card something like $11 for the report. Free? So I called. Also, massively sucky system. You say no, - they barrage you with a 60-second commercial trying to force you to say "yes" to their damn sales pitches. Tell them to quit wasting peoples time. I would like to waste some of theirs, now.

They suck, suck, suck! Bank of America sent an update, for their error. I was never late on a payment- not once. It was a BOA error. They tell me they sent in a "fix"- but the credit reporting agencies like TransUnion take their sweet time updating the report. It's too bad they are not as fast to fix things as they are to stamp a "ding" on your credit report.

Trans Union has falsely reported a judgement against me, in lieu of magistrate records. When I attempted to correct the mistake, I found that they have made it impossible to get anywhere. I'm not being able to speak to anyone. I attempted an online dispute, only to find an error that is in-surpassable, and it locked me out of my free report, so I have no way of printing this or going back into their site (it will require a username, which was the error.-I tried striking random keys, 17 characters long, after the 15th rejection, and was still told the name had been used by someone else). This is fraud? Who holds these people accountable? They have far too much influence on the lives of people, to be allowed to operate this way. Where is our government?

I attempted to acquire my annual credit report. However, they never allowed me to retrieve my report number. In my attempt to create a login account, it stated one was already created. However, when I tried to retrieve the "already" created account it would not accept my social and last name. My last attempt was to create a new account which the TransUnion website then told me I already got my credit report. I have called several times with no help. How do I know someone else is using my information? They don't help at all. I didn't have this trouble from Experian and Equifax. Question: who owns TransUnion and how do we know that they do this for the purpose of making us purchase their product and denying us the consumer the legal right to acquire our annual credit report? Thank you.

I requested my credit report several years ago from Trans Union. They sent me all the wrong information about me, include the address, credit card. They mistakenly added another person's credit history into mine. I had to call them several times and took about a month to correct all that wrong information. This year, about four weeks ago, I requested my credit report again and today, I got the report and found this time even worse. They changed my name, added another mortgage and had another five wrong addressed into my history. They didn't protect consumer's right. They hurt the consumer. I just want know why this kind of service is still in practice and why government still allow this company to exist?

I am in the process of trying to purchase a home. I tried to order my Trans Union credit report online on 1/27/2012 at which time I called and ordered a copy to be mailed to me from their automated service. I have received my credit report dated 1/31/2012 and there are several items that are incorrect, including my address. I have tried to log onto their website to file a discrepancy and I keep getting told my birthday is incorrect. I have in turn called the number they told me to call. This person was unable to help me and gave me another number. I called and this person was also unable to help and has given me a 3rd number. I cannot access my information, and cannot get help from anyone at Trans Union. They are responsible for my getting a loan and at this time their information is incorrect. I don't know where else to turn to. I am angry and frustrated at the practices of this agency. The other 2 credit bureaus have been easily accessible and have addressed any issues within 30 days. I don't understand how this company is still in business with these practices.

I had checked my bank statement this morning and you had taken $12.99 from my checking account this morning. I in no way requested any service or even looked at your web-site. I need to know exactly what is going on here. I had never even heard of your company until now. Please contact me with the details of this transaction. Thank you.

Their website home page has a bright orange button that says "Get your FREE score CLICK HERE". On the following page it takes your personal information and "You've chosen Credit Monitoring with a FREE Credit Score 7-day Free Trial, then $14.95/month". At no time did I choose that service. I clicked for my FREE credit score. It "added" that service and was not my choice. Then I was billed without any warning of a "trial period" ending.

That is an unethical, shady business model. How can a service just "added" to my account and state that I "chose" it when I clicked on FREE score. That is false advertising and there are no warnings prior to charging my card. I did not give consent to those charges each month and only stumbled onto the fact it was being charged after several months passed. It's a shame that Trans Union has a recognizable name like Experian and Equifax. I certainly no longer consider it a reputable company. Customer service was rude, unfair and unwilling to budge.

Something was put on my credit report that I had no knowledge of nor did I partake in. I would like for the problem to be resolved immediately.

I went to get my free report every year as allowed by law, and this son of their virgin mothers sent me to another site, to pay almost 30 dollars. Because their site was crooked , programing they did, and I don't do programing every day so I had to pay for my record. The other three stooges were fine, but this mother of the devils did me no good. The president or manager of Trans Union is a crook or a bandit, it shows nothing good to me. Please post my understanding, they neglected me.

I went to the Trans Union website to get a free copy of my credit report which I am legally entitled to once a year. In order to get a copy of the report you have to give them your credit card information and they automatically sign you up for a credit monitoring service that you have to call them within 7 days to cancel. I didn't want it and only wanted my credit report but the only way I could get it was to sign up. I tried to call immediately to cancel the membership within 7 days, but Trans Union has limited hours available for you to call and cancel. I tried to call a few days later within the limited hours and was on hold for over 5 minutes and I had to get back to work.

After 7 days my credit card was billed for the service. When I tried to call to remove the charge I was on the phone for over 14 minutes and told they would cancel all future service but would not refund my money because I had entered into a contract and that was binding. What kind of legitimate service forces you to sign an intent to purchase something you don't want in order to get the information you are legally entitled to, and then makes it difficult for you to get out of paying them within their stated timeframe and availability, and then refuses to give you your money back? Most people just end up paying it, which is what they count on. I am sure most of the people are victimized into paying for something they do not want as I was. I am sure there are enough of us for a class action law suit for this type of unscrupulous business practice. Please comment on this message if interested in pursuing.

I got rejected for a personal loan and was told to see my credit report from TransUnion. TransUnion were the only credit reference agency in Hong Kong. I found not only did they put my gender wrong, they said I owed money to a supplementary credit card I had when I was 16 (should be under my parents). When they finally did "change" it (they only deleted it), they failed to alert other banks that the error was made by them.

I tried to sue them independently and I was unable to appear for court due to several third party interferences that led to an asthma attack and inability to function (Traids who are hired to recover debt). I took the matter to government for personal data as well the Ombudsman and awaited a response to investigate TransUnion. 6 months later when I finally got one from the Commissioner for Personal Data, he said he refused to investigate TransUnion for there was no prima facie evidence of them being wrong.

I signed up to receive my credit score by agreeing to a free 7-day trial membership. When I went online within the 7 days to cancel my trial membership (on a weekend), I could find no information on how to cancel my membership. There were no toll-free numbers to call, no link to cancel, nothing in their frequently asked questions. I finally did a google search and some other customers indicated the company was almost fraudulent in their practice and you had to call a certain (very well-hidden number). When I called today, yes, well outside of the 7 days but who can blame me?

There was no posted number and no one answered the call on the weekend, the rep indicated the phone number was listed and that someone was available from 8-11PM to answer the call daily. I really feel the company is ripping people off by making the burden to cancel so onerous that it will be difficult for anyone to do so.

For several years, Transunion has been in violation of the federal law requiring that a free credit report be available once per year from the annualcreditreport.com website. Like Equifax and Experian, TransUnion's name appears on the initial screen for selecting a free report. Unlike Equifax and Experian, TransUnion generates a website error message ("try again in 30 minutes") when you try to access a report. This happened to me repeatedly during the past three days, just as it happened last year, in 2010 and 2009. This needs to be investigated by whatever federal agency regulates credit reporting companies. It is impossible to get a free TransUnion credit report once per year from the AnnualCreditReport website, as required by federal law.

I got the information about this website from ** and went on to choose TransUnion for checking my credit score. It stated that the credit score could be checked, and the account cancelled in 7 days. I made an account, and checked my score. But it has been almost a week, and I have not been able to cancel the account, as they never pick the phone up where we can cancel. I am pretty sure that they are going to charge me $14 or so every month, even if I don't want the service. This is fraud! I am having unnecessary stress about this, as I am a student, and don't have much money. I am planning to report fraud to my credit card company about this. Can I do something else?

Last year Trans Union listed an adverse account on my credit report, that wasn't even my account, wrong name, wrong address, wrong social security number, etc. I reported this, but had to spend 4 months with the accusing company to correct the error. Trans Union did nothing to correct this (their) mistake. Today, December 7, 2011, I found another adverse account that I have no knowledge of. I called to complain. The other 2 credit reporting agencies never have these erroneous adverse accounts on their reports. I asked the tech why this happens, and why I have to correct it, when it's their error? I never got an answer. She just kept repeating that I could file a dispute report. I had just done that on their website, but she didn't have that info of the dispute.

I have these suggestions to Trans Union: 1. Do your job correctly, or at least correct your mistakes, or get out of this type business. The other agencies do this, why can't you? and; 2. Hire an American to answer your phones, instead of someone in India who barely speaks English, and can only read from a script that doesn't even apply to the problem. Your tech support is useless!

Last year, I spent 4 months resolving a TransUnion mistake on my credit report. This year, I'm having to deal with their mistake on my own (which is adversely affecting my otherwise excellent credit), because they are not doing their job. A job that is in India, by the way.

This idiot-run corporation needs to learn how to do its job correctly. Why do the other credit bureaus update their information swiftly and accurately? Why doesn't TransUnion update information about my profile with events and changes in the last twelve months?

TransUnion was the only bureau that did not have updated information and prevented me from leasing a vehicle. The leasing company, for God knows what reason, uses this useless company (TransUnion) to check my profile. TransUnion claimed that I was late on a payment, when this was cleared up twelve months ago! The other two credit bureaus got the new information, why didn't TransUnion? Did my credit score plummet when the leasing company checked TransUnion's incorrect information? You bet.

Similar case happened with a family friend. They were denied a college loan only because of TransUnion's incorrect information. Due to incorrect and outdated information from TransUnion, I was denied a lease and a family friend was denied a college loan. It has been verified that this was solely due to TransUnion's incorrect reporting.

Everyone's score was over 750 at the time of the inquiries. Thanks for ruining my credit. If they can't do their job, then they should be out of business.

I recently had my Chase card account closed and when I called, they advised me that they closed it because I had too many open accounts. I asked how this was possible since I only have three open accounts. They started naming off accounts after about 12, I stopped them and told them that this was not correct. I then asked what credit reporting agency they got their information from and they answered TransUnion.

I ordered credit reports online from Equifax, Experion and TransUnion. Equifax was accurate, Experion had 37 items incorrect that they corrected after I called. I could not get the TransUnion report online. I called TransUnion to order a report. After several minutes trying to understand and answer what the representative was asking, I was advised to send a copy of driver's license to correct information. TransUnion should not be allowed to do credit reporting.

I received my credit report from Trans Union, had a question about a special message on my report regarding name/address fraud. I called Customer Service, which was an Indian woman who had no idea what I was talking about. I politely tried to explain, she could not comprehend what I was saying. After 20 minutes and being put on hold repeatedly, I just hung up. I asked if there was anyone else I could speak to, she said no. This is crazy.

I opened an account for credit monitoring with TransUnion. My order could not be completed because some information had to be verified. I called customer service and answered all the questions the representative asked. He then placed me on hold and when he came back. He said unfortunately the information I provided did not give enough "points" to verify my identity and that I would need to send in a copy of my drivers license and a recent pay stub to confirm my identity. He kept trying to give me the address and I said no thank you and let him know it was very odd that I had no problem getting my credit report from Experian and Equifax, for which I had to provide the exact same information.

I signed up for a free trial and I was charged for it. I cancelled the free trail 3 days after I signed up, 4 days before the free trial ended. I called to inquire about the charge and while speaking with customer service, realized I had been tricked. Their actions were unscrupulous and crafty. I was duped and I know they have done it to others. They must have broken a law.

I called them over a year to let them know they have spelled my name incorrectly. They told me that I had to fax them a request to have this corrected. So, I did. I thought that this was all correct now. I returned a year later only to find out that it has not been corrected. I asked the person on the other end to change it. She said it's not possible to do it over the phone that I had to fax a request. I told her that I did this. So why wasn't it changed? I asked to speak to her supervisor. He too told me that I had to fax a copy. They are messing with my life. I am getting inaccurate credit ratings/reports because of their lack of due diligence. There has to be someone monitoring them.

I purchased a report online and found that a long list of items were either recorded inaccurately and/or should have been removed more than 10 years ago. I called to speak with a representative. I asked her where she was and she advised that she was in India. I don't know if my credit file is protected in India and why is it leaving the country without my permission?

I submitted two FTC Complaints No.32927422. I was contacted by Experian today who monitors my credit and identity theft protection and was told that Trans Union requested my info on 10/12/2011.

I was on the phone with Trans Union Monday 10/10/2011 from 1pm to 8pm and was completely stressed out with all the transferred calls and telephone numbers given, only to find out that none of the call centers are located in the U.S. They say I have been a member since 2008 at Trans Union yet I have never set up an account. There are several fraudulent accounts on my report including my former employer, The Texas State Office of the Attorney General, whom I have been in a battle with for some time now and is one of the main fraudulent accounts on the Trans Union report. My other two credit reports show the fraudulent accounts deleted as far back as 2009 yet Trans Union keeps reporting them with P.O. Boxes and no telephone numbers.

I know the law well enough to know that this is all unlawful and in violation of several Federal laws. I have contacted my congressman and the CFPB and I have enough documents, pdfs, and printouts to sue and I do not like this breach of public trust or having any American citizen's personal data handled on servers or by personnel outside the U.S. Borders immune to our jurisdictions. I will be willing to testify before the U.S. Congress to have Trans Union et al. and any of their subcontractors here and outside the U.S. jurisdictions removed from their appropriated status of monitoring data of American citizens.

Because of all these, I was unable to refinance my home, suffered emotional distress and false imprisonment. There was an unauthorized use of my identity and personal data, deflating of my credit score and loss of of time and employment.

My mother filed a dispute to TransUnion regarding a judgment on my credit file as this bill has been paid off and is still showing on my credit file. My mother paid off my bill directly to Farmer and Mechanic Bank. My mother and I are not aware that there was a judgment filed against me. Farmers and Mechanic Bank never sent me any courtesy letter that they are going to file judgment against me if I don't pay for the bill.

I respectfully request to have the credit reporting agencies remove the judgment from my credit file. Thanking you in advance for your assistance to resolve this matter.

My husband and I have been wanting to refinance our mortgage since the rates were low. Our bank ran a credit report and there were several different accounts in my credit report that were not mine. Someone else's mortgage, a Credit Union, and several credit cards. My banker informed me that I would have to get this taken care of before I could have my loan approved.

I contacted one of the 800 # for a dispute and was informed that I needed to send them my social security card. This person that answered my call could barely speak English well so it was difficult to understand what she/he was saying. I asked to speak to their supervisor which they did. My call was transferred and I was informed by the supervisor of my problem. We went through each creditor that was not mine. She was rude. I was informed that I would have to wait 30 days, now the mortgage rates are going up.

I also called TransUnion and was told I have to wait 30 days for the dispute. This happened to me a few years ago and it was a big hassle to get the situation taken care of. I spent a lot of time on the phone trying to clear this up, all because someone that works at TransUnion was careless when they entered information. TransUnion informed me that they received the information from my creditors. I told them that several of the creditors they have in my file were not mine so they should not have given them my Social Security #.

This is very frustrating and stressful, not to mention my time to clear this up.

I was not able to obtain my free credit report from Trans Union. I had no problem with the other two companies. After several weeks, I was able to get a paper copy mailed to me. I found that they have the wrong name, wrong phone number, wrong employer, and a credit card listed that does not belong to me. The same number is listed as both adverse and satisfactory in the report and is noted as "lost or stolen". When I called to speak with someone, a person in India answered the phone. The person told me to mail a copy of my Social Security card to them. When I commented that this was unusual practice, she said: "We are Trans Union. We do this all the time." I asked for her name and she gave me "Megan **", even though she was a local from India. So, the people on the phone are dishonest with you. But you're supposed to trust them with your Social Security card. She then quickly stated that she did not give me permission to record the call.

I signed up for a monthly monitoring of my credit report and noticed TransUnion has my name wrong. My middle initial is"T" and they have it as a "P." My correct name is listed under the "Also known as" section. I disputed the information and now the "Also known as" section is gone. They have me only with the middle initial "P.'

I have paid for 2 reports in less than 3 weeks. Soon, as I put that I was a black male, my report suddenly changed downward by almost 100 points. I have copies of both emailed reports. Something is truly wrong for such a drastic and sudden change. I do not trust any credit of any type now. Also, the last several years, everyone wants to add bad stuff more than in my lifetime to date.

There was a false employer listed on my report as current.

I called Trans Union to correct and I was told that there's nothing they can do. I asked for the employer's address and phone number and he said that he can't give it to me. I said that it's my credit report and they verified that it's me. I don't know who the employer is and I want to know who put this on my report. They said that they didn't know.

I have something that is not who I work for on my credit report and recent. I want to know who and they don't know (so they say). I'm getting a lawyer because I said I don't know who this company is and they refused to identify it and that is using my name as their employee. Ever heard of identify theft?

FNB Petro Card listed me for an alleged Petro card issued in 2001. I have never received nor use any. I received a letter from the CEO's office confirming this and their apologies. Nedbank debited Nedlife the amount of R34 on no given date, and do not even know what it is for. When there were insufficient funds in my account, they debited my account with R110 for debit order return, all within the same bank. The debit order damaged my credit rating.

I tried to enter a dispute online and was locked out and then suspended. I called to correct this situation and was told to try to create a new account. That did not work and then I was asked the answer to my secret question. Well, that didn't work either. I was told there was no other way to verify my ID and I would have to send a copy of my driver's license by fax or scan it on email. I told them I didn't have access to either one and then they said, "Well that's all we can do, so your account will stay suspended until we have that information". I asked if I could provide another answer on something only I would have on a report and they said no. "That's all we can do. Have a very nice day!". After wasting my time and giving all my personal info to them , date of birth, social security number which is used by them illegally as they ask for your SSN before even asking for your first and last name, it's in clear defiance of Social Security's rules, I finally said I am not sending anything to them.

In my report they have not corrected disputed items from 2006 that I wrote to them about. They didn't even spell the name of my workplace correctly and gave my occupation incorrectly and that wast just the first page out of 10. I will never use them again and will cancel all info. I will write again and they'd better clean up their act.

I contacted Trans Union as well as Experian and EquiFax credit reporting agencies concerning my FICO score in May 2011. I received credit reports in June 2011, but no explanation for a lowering of the FICO number.

I received a free FICO score from my account with Sears Solutions - HSBS card services where I have a Mastercard account **. The service reported my FICO score as 627 in March 2011. Now in Sept. 2011, it is 583.

I have missed no payments. I only have three accounts--Sears Mastercard, Chesapeake Bank and Suntrust Bank.

As I stated above, I have sent letters to all (3) credit reporting agencies and also phoned FICO, who said they have no control over the FICO number, that the number is based on the information that comes from Trans Union, and the other (2) credit reporting agencies.

If my FICO score was 627 in March, then by God it should be even higher than 627 now, as all bills have been paid ahead of schedule, not late or missed. So something is wrong and I would appreciate your assistance in getting this corrected.

I have filed four different disputes with TransUnion trying to get information corrected/deleted from my credit report. They removed a paid judgment from my husband's account but the same account shows it is unpaid on my report. They insisted that they have done the investigation, but I have made at least 40 phone calls that proved that they have done no investigation. I sent them satisfaction of judgment papers, but they said it doesn't meet the criteria.

"What does?", no reply. They refused to investigate even though they claim they do. I have provided phone numbers for the original creditor and provided documentation. They will not remove it from my report. I am trying to purchase a home, and this has been going on for 3 months. Every time I call, they say 30 days. It's been 3 months. What can I do?

I applied for a job and I agreed for a credit check, and requested that a copy be sent to me. On the first page after "subject name", my name is incorrect. There was a woman, that lived where I do, that shares my first and last name, however she has a different middle initial. I called TransUnion at the number they gave out to report disputes.

This number is routed to India, and the man I got was rude and useless. He spoke so fast, I had to keep asking him to repeat himself, and it annoyed him. I explained the issue with my name, and he said "There is no middle initial." I told him that I was looking at a copy of the report. He said his screen didn't say that. I offered to fax it to him so he could see it. He said, "You can do whatever you want."

I asked to speak with his supervisor and he again said, "You can do what you want", and before he transferred me he said, "He's going to tell you the same thing", he was right. Clearly TransUnion settles disputes by denying they exist. As consumers, what recourse do we have?

I needed my annual free credit reports and went through AnnualCreditReport.com to get them. I was able to view and print Experian and Equifax quite easily; however, with Transunion it was a completely different story. I entered the required information and was able to view the first page of the report at which point their web site locked up. I called Customer service and was told that there was nothing they could do, no recourse whatsoever except I could sign up for a paid service. No thanks! Any ideas of any recourse available? I was not able to retrieve my "free credit report" as required by law?

I ordered my credit report through AnnualCreditReport.com. I just received a letter stating, "Unable to locate credit report. Send copies of many items." The same thing happened last year! At that time, I sent them copies of my social security, driver's license, work and et cetera. Now here we go again. I just wrote them a letter with copies of this year's letter, and they sent me last year's letter and first page of last year's report. I enclosed a letter stating I want my report as soon as possible with their apology letter, and that I am reporting them to the Consumer Affairs and the Business Bureau (BBB). However, I asked, "What happened to all the copies of my personal information you received?" With everything that is going on, I'm very worried about my information!

It was since Jan.'11 that I have been trying to get my annual free credit report. I requested the form by mail (I don't trust internet w/ my personal info). I filled it out and attached everything they requested to establish my identity. They have not sent me my report, instead, they keep sending me more forms and asking for copies of paid bills, cancelled checks, etc. which I already provided them more than once. About three weeks ago I mailed to them the last ''proof'' and told them that if I don't get my report within 2 weeks that I would report them to the FTC.

I tried to obtain my free annual credit report from Transunion. After I put in my personal information, it asks me to login. I cannot figure out my password and after three wrong attempts I'm blocked out of my account. I try the same process the next day and now I am told that I have received my annual credit report already which is false. It is impossible to call Transunion and ask for help because all their numbers are automated computer systems. If you even go so far as to order your report from them on the phone (which is what they want you to do and why they make it impossible to get your free report) you never get the opportunity to discuss with a representative.

In early December, I had contacted the company at (800)493-3292 to tell them that I wanted to cancel my subscription. The customer service representative had confirmed on the phone that this was done and that no further action was taken. On the 01/04/11, my bank account was debited again for $14.95, and this time, there was an overdraft fee of $10.00. I was not expecting this fee to be drafted from my account any further. I would like the $24.95 to be credited back to my account, and my account canceled, closed, and deleted. Looking at their history and complaints, they are notorious for this. I will also be filing a complaint with my bank.

Trans Union has incorrect information on my credit report, regarding a mortgage with Citibank foreclosure. I have never had a loan with Citibank. Trans Union refuses to provide a correct mailing address for Citibank, therefore I cannot contact them. Trans Union also refuses to provide a copy of my credit report.

I have tried three times to get my free annual credit report but they just gave me excuses on why they won't give it to me. I feel like mentally despaired now.

Even with a copy of my report, I could not get anyone to help me. He told me they did not discuss credit issues via phone and that you could either do that online or via slow mail. Well, I don't use the mail service and I tried online, and apparently missed a question that was 30 years old. Fact is, they have a perfectly good account in the negative accounts. There is no reason to have it there as it is obviously a good account, but it is in the negative. Arrgh! They are the lowest of the bureaus. I have excellent credit of late. They did give me another number to call, and they told me it was not possible to speak to a person at all!

So tell me, what is our world coming too? They have addresses on my credit report going back to the 1970s. I am very disgusted with this.

TransUnion refuses to remove derogatory information from my credit report even when being instructed to do so from my mortgage company. I called them with my mortgage company on the line; they refused to discuss any information about my credit report with a third party on the line. I was told to disconnect the conference call and they would then speak to me. I faxed a letter from my mortgage company that the report was incorrect, and they should remove the derogatory information. They would not accept the letter stating it did not meet criteria, but would not tell me or my mortgage company what the criteria is! Not only would they not accept the letter, they had added more derogatory information! Experian and Equifax have corrected my report within 30 days.

I believe TransUnion is conducting business in a very unethical manner. I could not even get resolved when I spoke to an office manager. Thank you.

Claim they did not not receive our mailed in request for credit report. Do not believe them. Same response as both my wife and myself. Also had same response from Equifax. Can't believe mail from both these organizations did not receive the mail. These people are corrupt.

I have tried to remove a consumer dispute from my credit report and every time I send/fax them a letter they restart the dispute. This has been going on for over a month now.They are obviously doing this deliberately. Why? Can they really be this retarded? How do they open the door to get in the building? We are trying to refinance our home and this is the only thing holding us up.

Incorrect reporting of our credit report. Higher rate of interest and insurance coverage of my newly purchased automobile.

I am disputing a late report on my credit report. The company Wilshire Credit went out of business but marked me as late, I was not, and the loan company who took the loan over paid back all late fees and wrote me a letter indicating all was paid back and apologized. Trans Union refuses to take this off my report. They sent out a letter that states verified, no change. When I call to find out how this was verified, they cannot answer the question. I am told that my letter from the new mortgage company does not meet their criteria. When I asked what their criteria is, they say, "Oh, we cannot tell you that. CSC Credit service/Equifax has removed it with no problem."

There were many dangerous mistakes in the three written reports I received which I have gradually corrected. Now I wish to clean up my records on their website but I am unable to access their site. They denied my valid data and they say that access has been temporarily suspended.

The first time I tried a few days ago in search of a user name and password, I was informed that they were already in use by another client. Of course, I was that other client. How screwed up can they be! Correction of their and those of other credit agencies has taken over three weeks of my valuable time; the time needed for my scholarly research and writing, thus, harming my career. How can I simply find the proper website and establish my user name and password? Thanks for your help.

I have duplicated accounts on my CBR that are included in my bankruptcy. Transunion refuses to verify that Road Loans and Santander USA are one and the same account and remove one or the other from my report. It makes it look as if I have defaulted on my car loan instead of voluntarily returning it due to bankruptcy!

I received my credit report last year with no issues and this year, they tell me that my address on file is incorrect, even though I have updated it last year! I was told to send a copy of my licence and a utility bill. It's a runaround and a sham. My creditors can get access to my report but, not me!

I am out $45 to free credit report.com because trans union does not show up. not even my score, which I paid for!

I always call Trans Union for updated personal info including my fraud alert personal contacts phone numbers but I found out some of the credit agencies didn't get it. Trans Union said they will forward it to all credit agencies my updated personal info. I moved out from place to place and change phone numbers a lot but the old contact phone numbers are still there in Experian. They said they didn't get the updated info.

I have been trying to obtain my free credit report from TransUnion for over a month now. They will not let me access the report online or by phone. I've mailed in two request forms already and nothing! Experian and Equifax let me see it online, so I don't understand why TransUnion is having such a big problem. I am trying to see what my credit looks like so I know if I can get a good loan for a house by the end of the year. By the time I finally get my report it'll be next year!

What other proof do they need that I am who I say I am? I sent them a copy of my state ID, SS card, and birth certificate! They just keep giving me the run around. Isn't that against the law, keeping my annual report from me? I just can't wait until I get this over with.

I have disputed a Civil Judgment on my credit report as mine. It is my son's, whose name is similar to mine but with different middle names. I have gone to the company who has this judgment and they totally agree it is not mine. TransUnion will not remove it from my report. I am trying to get a security clearance through my job and this is standing in the way. This could have major repercussions if not cleared up soon.

Transunion has a dept under the supposed name of priority handling. However it is a dept which targets anyone who has ever complained about TransUnion. What this department does is violate the Fair Credit Laws of our nation. The way this is done is by making it more difficult for anyone who complained against Transunion. When the customer disputes, something they try to illegally place the burden of proof on the customer when it is on the company. Example to dispute an inquiry, they Chris & Ms. ** stated the customer must provide a letter of proof.

The Fair credit reporting act states the burden of proof is on the company. It is yet another way for major credit reporting agencies to hinder credit repair for customers. TransUnion priority handling is illegal in it's activity. Caused inaccuracies in my credit report, causing possible loss of any benefit tied to a credit report.

I provided TransUnion (on three different occasions) documentation that I was not late on a payment to Bank of America who reported inaccurate information regarding payments in September, October, and November 2009. TransUnion has refused to accept the documentation and has continued to report the false information on my credit report.

I filed bankruptcy but didn't go through with it. Consequently, the court papers stating this got it removed from Experian and Equifax. I have disputed this not less than 20 times with Trans Union. They will not remove it. I have great credit with the other companies.

Fraudulent address added to my credit report, followed by court case docket numbers fraudulently added to my credit report, citing "state tax lien" for various amounts, in Birmingham, AL. I live in Michigan and have never had any association with Birmingham, AL. I did however find a person with my same first and last name, but different middle initial listed as living in Birmingham, AL. I have contacted Birmingham police twice, to no avail. I have spoken with the Jefferson County Court, in Birmingham, and they could not recognize or verify in any way the docket number's on my credit report. They said the numbers didn't make sense at all. Their docket numbers have a certain pattern and this #'s on my report made no sense. Also to no avail. I cannot get Trans Union to listen or do anything.

I have repeatedly denied the fraudulent info. on my report and tried to have the wrong information removed, both thru online complaint process, to no avail, then thru written complaint process by snail mail, also to no avail. I keep getting a rather generic letter in response, stating that this fraudulent info. On my report has been "verified." Period. Over and over. The letter has no person's name or any phone number to follow up. I am ready to get a lawyer to try to clear my report. By the way, my report is fine with the other 2 agencies. Never a problem there. Only problem is with Trans Union. I have been working on this since last summer, 2009.

Unlike the other two this place will not comply with the law and send free annual credit report.Complaints to FTC are useless. How do you get them to obey the law if fed government will not?

I have spent three hours this morning getting the run around from Transunion and CBV collections. My credit score is 754, all my credit is in perfect order and always has been the last ten years. I subscribe to Credit Alert which informs me when someone looks at my credit. CBV have been on there in error and I'm not able to get any cooperation to have them remove it. I spoke to Transunion and they say everything is perfect on my credit file.

This will affect my credit score and ability to get credit. I want the inquiry removed as soon as possible from my file as they had no business being on it. 3 hours on the phone with these idiots is beyond reason.

I do not want your company giving my information to prescreened customers. I want you to opt out notice! I don't want credit card pre sorted mailed from people. It's too easy for anyone to fill them out!

I asked for a credit limit increase from my Discover Card account. All went well until they tried to pull my credit report from TransUnion. I have a security freeze on my credit file, but by law there are a few circumstances where I don't have to thaw my file to be viewed. A possible new employer or law enforcement or an insurance company has access to my file even though it's frozen. Also, any current or open financial account on my file can view it whenever they want. TransUnion has blocked Discover Card from viewing my account, this violates the law. Their customer service in India actually told me to tell Discover Card to call them and they would discuss why they are blocking Discover Card. I would like to sue for this violation. It seems they are doing so to force me to pay their fee to thaw the file so they make money instead of following the law. Any help would be appreciated. I have the letter from Discover Card telling me they cannot access my file. I am furious they ignore the law, my credit score would be better because I know I would qualify for a credit limit increase, my latest credit score report said to apply for increases to better my score because some limits were low.

I am third year medical student. Currently, I have a monthly membership with one of the credit reporting bureau's so that any alerts on my credit get emailed to me directly as soon as they are posted to my credit history. The reason I signed up for such a service was because the last time I looked at my credit reports, there were numerous discontinuities which I reported and fought to get taken off as they were inaccurate reflections of my financial actions. At the time, it was the first time I had looked at my credit report in 4 years. So I guess expecting some sort of discontinuity was expected. But since then, I have been watching my credit alerts on a monthly basis.

As it so happens, the last time a civil judgement claim was filed against my credit, it came from TransUnion. I went to the courts where the case had been decided and got a letter of good conduct and clean history from the county clerk's office. After I sent that to TransUnion, the fraudulent reportings were taken off. What I would like to highlight is that the burden of proof lay on my shoulders during this procedure as TransUnion in no way helped me to clear my name. Now again, TransUnion has falsely reported another civil judgement on my credit report. Again, there are no telephone numbers provided, no name for the county where the judgement was passed, no case or docket number for me to trace the judgment. Again, the burden of proof is on my shoulders.

Now I understand that credit companies are supposed to bring forth such judgements when necessary. But out of the three credit bureaus, only TransUnion has reported these fraudulent charges on my credit reports and this is not the first time this has occurred. This is my 2nd time in almost as many months that I have to fight these false charges back. I don't expect much, but the least they can do is give me a way to at least talk to the people they got their information from so I can get proof of my innocence. In a perfect world when we (the consumers) file a dispute, usually the credit bureaus go and re-evaluate the problems. But I tried that last time and nothing got done. So I know that I need to get proof myself again, but I don't even know which county/state the civil judgement is from. I am sorry to say but that to me does not look like good business practice, it's just frustrating to fight the same company over again over a similar issue.

The first time such a fraudulent claim was reported against me, I lost my credit cards (one of which was a good standing account of 7 years). Additionally, I also had problems applying for loans as I am a student in Medical School. This time, I had applied for another credit card so that I could start another account to build my credit again, which got denied no doubt based on the reporting of TransUnion's false civil judgment. My next trimester starts in a week and a half. I have no idea how this is going to affect my loans this semester, but quite honestly, if I haven't done the crime I should not have to worry about the time. Yet I may have to face the consequences of someone else's actions, which might lead to me not getting my financial loans this trimester.

These credit companies have let another person or persons take loans out for housing, cars, etc. (I have proof) and were still doing it until (2008). For anyone to steal your identity, I was ensured that my identity was protected. But I guess through your companies someone did. See you in court!

It's comforting to see I am not the only one that has problems with Trans Union. I have great credit, according to Equifax score is 765. I owe nothing except for mortgage. I cancelled all credit cards trying to do the right thing.

I do have one ding on my credit for about $400 with AT&T because they have yet to explain how my monthly cost for a phone that was set up as unlimited for $89.00/month turned into a $450 bill one month. Out of principle, I refused to pay it. Otherwise, my credit is stellar. Yet, my credit score with Trans Union is an unimpressive 660, give or take a few points. How could I be 765 in one but 660 in another?

I was reading the most recent incident on the consumer affairs website and saw that her issue was identical to mine and this was dated just 3/27/10. I have been making attempts to obtain my credit report from Transunion since I was 18. I am 28 now. My 3 or 4 attempts in the past were meager to say the least. My first response from Transunion was that there was a "Hawk Alert" on my account. Outside of that notice, that was the only information I received. Not an explanation of the alert or my 17 dollars back. Other tries included 3 internet request with which led to a request for more information that I had already provided. Vicious cycle system that beat me for 10 years. I had pretty much given up on trying to get the report just and simultaneously given up on my credit.

Here I am now older, wiser, and ready to work on all the mistakes I made and this is still a barrier even with all my experience in document preparation. This month, I sent color documents of all the necessary information and then some. It even included a color copy of my social security card and just as the woman in the aforementioned article, I receive notices with multiple reasons for me to guess on which it is because I knew I had already sent these documents. I have never laid eyes on my Transunion report. I really need this information to amend my bankruptcy. I have been waiting for the report for so long this year that my chapter 7 was discharged. Once I receive this report, I will have to re-open the case specifically for the information on that report. That is customer abuse for sure. I am spending unnecessary money in a very tough time. There is no excuse anymore and this time it is not on my part. My chapter 7 bankruptcy was discharged without this information and now I am being forced to amend it to include the Transunion information only.

I cannot cancel my account. I do not want to be charged for anything. Also I have been sending transunion several documents to confirm my identity and they just keep telling me that they can't confirm it. I sent them these documents more than once (about 4 or 5 times). If I do not get my identity confirmed then I cannot get a copy of my credit report.

Cannot get a bank account with Chase until I resolve whatever it is on my credit report, but I can't access my credit report. I cannot pay some of my bills without a bank account because they do not take checks, cash, or credit cards. They want a bank account # and a routing #.

I have been monitoring my credit through TransUnion and TrueCredit for about 2 months while I fought and fought to get a negative item from Verizon removed from my account. During the process, my TransUnion score stayed at about 660. As of 3 days ago, my TransUnion credit score was 663. Today, I called and was told that the Verizon account was deleted from my credit file.

I was so happy and finally got back online to pull my credit score, but lo and behold, my score was 20 points lower at 640. Nothing else had changed on my report. I was in the middle of a mortgage and didn't get new credit or anything. In fact I paid all my credit cards off. I spent four hours on the phone attempting to complain about this issue to TransUnion. All I got were ridiculous rationalizations why this is possible. It makes no sense. I want to complain. What else can I do?

Up until December 2009, my credit report was a certain number. In January and February of 2010, my credit score fell 80 points with no changes in credit, no new credit, no late payments, nothing. I cancelled my monthly subscription and they gave me a month free. In a month's time, I received my email account regarding the class action lawsuit and my access number to start my 6 months free which was part of the settlement. When I opened the new account, my score was again where it was supposed to be. So why were my scores falling for all three credit agencies? Why was I paying monthly for reports and credit scores that they only allow me to update monthly? So what is the point of having 24-hour access to a month's old report?

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 and also credit due to their report. I am entitled to an annual free credit report but they will not send it to me. I was denied credit. I am trying to rent a house or apartment but have been denied due to TransUnion. I have no clue on what's on the report since they refused to send it to me. Also, I applied for a permanent job but was denied based on TransUnion.

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. Three 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 three months ago.

Then I noticed where it says pros and cons of your report. I only had cons where three months ago I had 1 con and 3 pros. Now my con was accounts not old enough same as three months ago but also my credit limits were too 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 three bureaus anymore. I will request one of my free annual credit reports every four months to monitor what's on them.

I am highly suspicious of TransUnion's business practices. As stated in many of the other complaints before mine, the TrueCredit website 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!

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

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.

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.

And the credit score numbers on the 3 in 1 Credit monitoring were way off from the number provided by the individual companies. .

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.

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.

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.

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

I received a report per the law as credit card revoked. tried to report to transunions website...entered correct info, and was thrown off of page. considering legal action. please advise

Two more complaints:

(1) I have a loan in good standing and the 5th payment will be made on Nov 1st. The lender uses TransUnion (TU), but nothing is showing up regarding this positive account.
In contacting the lender, I was told that they have submitted the account to TU, but TU has a glitch in their system and is having some system problems, and there is nothing that they can do as TU has to fix their system problem.

This account, by the way, would show my current address for TU's records; TU shows a previous address as my current address and I have gone 'round and 'round on that issue with them.

(2) In an attempt to dispute some records that TU has on my credit report, I went to the TU website. Had to enter all sorts of information. This seems to be the case on all of the bureau's websites. They sure don't make it easy to dispute something.

Anyway, I entered the personal info. Was told that I already have an account. Evidently the "free" 30 day trial that I got to use for only 5 days or so and which was canceled by them (not by my request) and which they charged me $14.95 for anyway.

So I entered that old account ID and password. Got a message that my account was temporarily suspended and that they could not show me my personal information. They 'DID' recommend that I get a credit report via phone or email however. Shoot... I only want to dispute some records, NOT buy their report! Is this some sort of scam to sell people reports in order to dispute items??

The man I spoke with said that I had the wrong SS #. I'm definite I entered it correctly. He did something, and told me that I would now be able to have my free 30 day trial. Ok, cool. Good to go. Or, so I thought.

While looking at my checking account, I saw that TU had debited my account for $1 (verification of checking account) AND $14.95 for the "free 30 day trial" TrueCredit subscription!

I called back. Spoke with a man. He said that I have already had my free 30 day trial, so was billed. I explained to him that I could not go past the notice that they could not show me my report, I received NO confirmation of any such subscription or notice that the attempt even went through, I was UNABLE to view any report from any agency, and that I had NOT had any trial period. He said they would credit my account, and that the 30 days trial would continue.

Four days later, still no credit. I called again. Spoke with "Sally". Told her the situation. Got the usual "I'm sorry for any inconvenience" and she asked for my credit card number to credit my account. I asked, "Why?? You should already have that information since your company has already used it to debit me for something that was free?". She said that she needs to send it to billing for manual processing because the system does not want to process the return. I gave it to her. She said it will take 5-8 business days to process. I explained that the debit was processed immediately and so should my credit. Didn't do any good though.

15 minutes or so later, I get an email saying that m 3 in 1 credit monitoring subscription has been canceled. What?!? I didn't request a cancellation! I only requested a refund of a debit that should NOT had been processed in the FIRST place! I called them again. Spoke with "May".
After having explained the latest rounds of events to her, I heard her "I'm sorry for any inconvenience" even before she spoke it. She said that there's nothing she can do about the cancellation now, but 'can' email me a gift certificate for a free 30 day trial. Wow. Why?? So that they can charge me again?? lol. Sooo crazy.

I did file a federal consumer protection complaint against them at https://www.ftccomplaintassistant.gov/. But I'm not holding my breath.

I see that TU is reporting some accounts that are past the 7 year statute of limitations for both collecting and reporting. I'm awaiting validation of those debts from those creditors/collections. I see some Worker's Comp bills that should had been paid by my employer's insurance, so I need to contend with that issue as well.

All in all, my experience would prompt me to suggest that anyone avoid TU, their subsidiaries, and not trust their business practices up to and including their reporting. In my opinion, it's a shame that major reputable companies use their services, which, again, in my opinion based on experience, is very inadequate.

I have ask them to fix it quickly and all I get is that they didn't do it and it will take 30 days to fix. Their mistake is costing me at least 8,000 dollars. I have to be out of my house in 3 weeks and 8,000 dollars in tax credit! Anyone got any suggestions?

Used 3n1-online-Annual Credit Report site and when I went to the TransUnion site, and logged on, I could not find a single reference to the free annual credit report that I was trying to get - every button was something for sale! The worst site I've ever had to attempt to use. I easily obtained free annual credit report from Equifax and Experion. Does TransUnion try to make it impossible to obtain theirs?

Can't get thru to cancell service.

He updated my e-mail and mailing address. He then asked more questions to identify me. I could not provide a credit card number or issue date of a something they "have on file" from many years ago. I was then told I needed to fax a copy of a picture government issued id and a utility with my mailing address to unlock my account so I could get my free credit report.

I don't understand, if he can update my address and e-mail, I have my social security number and the account number of another credit card I had, why can't he unlock my account so i can get MY credit report.

I phoned their 800-888-4213 number today, Sept 27, 2009, followed the prompts and was informed I needed to pay a fee! This seems like fraud and extortion to me. How many consumers to they get to pay for a report this way?

I have had nothing but problems with TransUnion from day one. I cannot understand why these employees are not trained to do their jobs.

They go out of their way to be rude. Refuse to delete old accounts, refuse to update your file and refuse to delete anything that they don't personally feel like deleting.

I have never had a problem with Equifax. In fact, to the contrary. They are courteous and helpful.

Why is it that with two outstanding credit bureaus, we even need a third?

TransUnion makes certain that if you dispute even one item in your file, that you are locked out of their system entirely. Their site has double and triple billed me for credit reports and scores and they refuse to refund me! All they say is that "my system shows that you were only billed once."

They also "claim" to investigate your dispute but they don't. I know for an absolute FACT that they don't because neither Equifax, Experian or myself could verify ANY of these accounts they've put in my file.

In the end and because of TransUnion and TransUnion only, I cannot even get a mortgage and I have (had) GOOD credit.

Where is the recourse? How in this day and age in THIS country can this actually be?

I've recently received several letters denying me the credit I applied for at car dealerships in my area regarding purchase/ lease (hadn't decided which). The letters stated that TransUnion Credit had been the negative reporter about my credit. I was denied an online report, I assume due to a previous credit watch I placed on my credit (ex wife situation ). So I had to apply for a credit report by mail.

When the response to why I had been denied credit came back, it was in the form of what TransUnion needs by mail to verify my identity, including, in my case, a copy of my passport (proof of birth date), driver's license and utility bill (proof of address), and Medicare card (proof of social security number ). I must explain that the form letter and disclosure form I received from TransUnion reported 'UNABLE TO LOCATE CREDIT REPORT'.

I have had a credit history not for years, but for DECADES. How could they not have credit reports. I received online reports from creditreports.com (from the three agencies) less than a year ago. Obviously, TransUnion is a very chaos- filled business with computer info that is incorrectly stored and accessed. Their inaccuracies involve millions of people's lives, including mine!

Before I send these required documents to TransUnion's PO box address (which means I can't protect the above very important items properly when sending them), I need verification that I should do so. I would appreciate a response asap because of this time sensitive situation. Denied credit by two car dealerships when applying for credit to purchase/ lease an automobile.

You have a credit card last 4 numbers (4239) charged to me, I dont have any cards I am 75 and retired not married and dont drive, please take it off my credit report. I have been denied the use of a 500 credit card with my bank

I was remarried in 2007 at which time I requested a credit report from all 3 agencies. Did this with the intentions of making myself aware of what was on my credit reports.

TransUnion refused to send me a credit report, though I have lived in the same place and house since 2004. (with a name like Lavonne, how likely is it that another woman of that name would live in the same location?!?!) The other 2 credit agencies assisted me and very politely might I add. Now TransUnion is still denying me access to my credit report! Ok, this information belongs to me, affects my life, yet I cannot gain access to it because they want to "play games!"

My next contact is the Federal Trade Commission. When enough people complain about this company that is denying 1000's of people access to THEIR CREDIT REPORT, someone in OUR GOVERNMENT AGENCY will take notice and put an end to their shanagigans!

My name has been changed for 6 years now and they still do not have the correct name. About 7 or 8 years ago I had a situation of identity theft occur. They have not corrected the information. I had addresses and account showing up on my credit that are not mine and still am having that problem. When I try to contact them I cannot pass the security questions because they still have the wrong name. Also there was one account that I have disputed off that keeps getting sold to collection agencies and re-surfacing. I finally got incorrect addresses removed from my credit report but the accounts associated with them have not been removed, most just finally fell off.

Hi I wanted to say I do not agree with the way Trans Union treated me over the phone. I was told I could get a free credit report and view it for 30 days online. I first signed up for the service on July 23 2009. Although, I did not receive a link to my report until July 25 2009. I dont have a printer at home and I thought I had 30 days to go back to the website and print it out.

When I returned to the Trans Union Website It was today August 25 2009. It would not let me view the report. The person I spoke with said that since I orignally signed up on July 23 it has been 30 days! I tried to explain to him it had not been and I could send him the e-mail with the date to prove it but he did not want me to do that. So I asked him if I could receive my credit report in the mail. He said I would have to buy one. Funny, "my Credit Report" with my information on it and I have to buy it! Even though they were the ones who made the mistake in the first place. There should be some sort of law against this. We should be able to view our information for free since it is our personal information. I will not trust Trans Union anymore.

Good luck trying to cancel. I have been trying for eight months and every month, like clockword, the charge shows up on my statement. Despite 7 phone calls including another 8 today, nothing is resolved. They had my address at one I haven't lived in nine years. They refuse to refund my monthly fee despite trying to cancel since January. I was cut off several times, re-routed and ultimately resolved nothing.

I now have phone calls into the President of TransUnion, Bobby M; the VP of Communications and the President of Consumer Relations. Next step are the networks. We'll see if I get a phone call back. Granted it's only $80. but it's the principle. I am a media relations person and if my company treated people like this, I wouldn't blame them for going to the news channels.

I received a letter from this company that detailed that I had asked for an additional advance of credit on an account. I did not ask for this and I do not know why they wrote me or have information about my accounts. I cannot reach a human contact on their phone line.

On 8-7-09 I went online through an SBA link to get my free credit report. I was sent Annual Credit Report and gave out my personal informaition because they offered to get my free credit report.Then I came to Trans Union after a hassle w/ACR and filled outthe same infor, no progrees. I was then linked to True credit wich asked for the same information. I called what I believed to be T.U. to help me navigate through all the adds from ACR & TCR to my free credit report. During this conversation I learned thatTUCR/ACR/TCR are all the same company. I do not understand. Trans Union by law is to give a free credit report every 12 mo. but they seem to try to confuse the consumer with their other companies.

I have an account on Transunion.com and I received a free credit report. When I went back to get access to it, I kept being directed to another place where I would have to provide a credit card number for extra bells and whistles I did not want. When I tried to call the help desk, I was directed round and round and round until I finally hung up in total disgust!

I have been trying to get a credit report from TransUnion for 3 years with no luck. I was refused a report because my address was not updated in there records (1st time it was listed as one from when I was 6yrs old, the 2nd time none was listed, 3rd time it had a one from 2 residents prior to where I currently live.) This was a major problem because each time I requested the report I had to send in a copy of my ID w/ a bill; and I was still unable to obtain a report. The last time I called, I was still was told that I had an online account (which I never setup) and that was the only I could obtain the report, but I still had to send in a copy of the my ID w/ bill just to get that information. Here it is 9mos later and I still have not been able to get the credit report. I finally got the a customer service person to give me access to an online account that I never setup, which had an email address that I was no longer had (this was explained 9mos ago) and I still can't get the report. All the site does is gives address where it can be request, which this information could have been given out the first time I called.

Why can I not talk to a real person when I contact Transunion Credit Reporting Agency. I am put through a recorded loop that brings me back to where I started or asks for info. that is not applicable for the reason I called and then cuts me off. My credit score dropped almost 70 points this past quarter for no reason and I want to find out why. Sending them correspodence through the mail does no good either. What kind of rackett is this. Where is the govt. control over this system. They drop your score and you cant find out why by talking to someone. Letters sent come back with the same old form letter that tells you absolutly nothing about your dispute.

Why are these people allowed to be part of the credit system? I don't even know if it got fixed? I am now being denied credit with everyone because of an "address discrepancy" that trans union is stating about me. They have addresses from 4 or more years ago.

TransUnion has consistently kept outdated information on my credit. They have an address of mine which is almost 15 years old as my current address. More importantly, they are reporting that I have too many installment loans as a reason for one of the problems with my credit score. Upon investigation, I see that they have not updated my student loans, which I consolidated almost 3 years ago. I have a total of 2 installment loans.

I have been trying to clean up my credit report. I had a federal tax lien in the amount of $26,073 listed with Montgomery County. I requested a copy of the lien release on 5/28/2008 and immediately forwarded a copy to Experian, Equifax, and Trans Union through U.S. mail. Both Experian and Equifax showed the lien being released 5/25/2006. Although I have made written requests to Trans Union, they were still showing a tax lien on my credit report. In addition, they are showing the tax lien for a higher amount of $29,000 when the lien was for $26,073. I am in the process of purchasing a home, and this lien is having a negative impact in terms of my obtaining bank approval.

First off, I am supposedly entitled to one free credit report a year which I get because you need credit to live in America (face this fact, it's true). Yet, every time I try to get my free report from TransUnion, they can't seem to produce it online. But if I want to pay for one, they can produce it in a hot second. If I printed something about you or made a statement about you that was not factual then there would be consequences. But not for these guys, nope. First, if you can actually talk to a person and not a recording, it's a miracle. And when you do, it's like filling out a government form in triplicate to get them to consider reviewing your complaint. If they do review your complaint, how long does it take for them to take action? Pretty much when they get around to it.

What ever happened to getting a letter of recommendation from your bank or God forbid, you actually having a savings account, showing that you have the means and ability to earn and save money. These companies have basically no responsibility for what they report about you, and worse yet, to see what they are saying they can charge you a fee to see. Isn't that like extortion? At a bare minimum, you should be able to call a real live person during normal business hours in your time zone and talk to someone who can tell you what your credit score is; tell you how that value was derived; and if there are issues, tell you how to resolve them. If the report is factual then tell the client how to contact the creditor in question. These companies, in my opinion, are the reason we have a credit crisis at this time. I would bet that they are profiting from these high loan rates that they help manufacture by their report techniques.

First off, I am supposedly entitled to one free credit report a year, which I get because you need credit to live in America (face this fact is true). Yet, every time I try to get my free report from TransUnion, they can't seem to produce it online. But if I want to pay for one, they can't produce it in a hot second. If I printed something about you or made a statement about you that was not factual, then there would be consequences, but not for these guys.

First, if you can actually talk to a person and not a recording, it's a miracle. And when you do, it's like filling out a government form in triplicate to get them to consider reviewing your complaint. If they do review your complaint, how long does it take for them to take action? Pretty much, it would be when they get around to it. Whatever happened to getting a letter of recommendation from your bank or God forbid you actually having a savings account, showing that you have the means and ability to earn and save money.

At a bare minimum, you should be able to call a real live person during normal business hours in your time zone and talk to someone who can tell you what your credit score is, tell you how that value was derived and if there are issues, tell you how to resolve them. If the report is factual then tell the client how to contact the creditor in question.

I went to apply for a credit line and was told there were two outstanding debts in my name. The Visa and Enbridge accounts were not mine, they were my mother's (same last name and her name is Susan). I explained this and they opened an investigation. They advised it would take 30 business days to be rectified. I called on day 15 to see if there was any update. When I called in, they asked for my name, address and SIN. I gave them all this information. Then they requested me to answer clarifying questions, which were around the two debts in my mother's name. (What my previous job was, which the options only gave me my mother's previous job). I explained this to them and they refused to assist if I could not answer the question. I explained I would be lying if I answered the question, and they advised I had no other option. I was floored that they still had questions posted for the debt I advised was not accurate. I requested to speak with a manager. The manager could not explain why they would ask me questions with the information I knew was wrong. He kept saying it was my creditors that send this information and it wasn't them.

I asked what their policy was to ensure the SIN and data from the creditors was verified with my information. He was not sure and I was forwarded to a voicemail with no call back. I had my mother call TD Visa and Enbridge while I was on the line and her sin and details were used and sent to Trans Union. How is this company allowed to tag this debit to my name with only a similar name? What rights do I have? This is now the 2nd time Trans Union has placed my mother's debit in my name. They keep blaming the creditors and the creditors are saying Trans Union is at fault. Needless to say I have not been able to get a resolution yet. Thirty days have come and gone and they are still investigating. They advised me that they have a higher then normal work load and the investigations are taking longer. Continuing to pay higher interests rates as I am unable to qualify for my line of credit to pay off my credit card. It has impacted my relationship with my mother. I have spent hours on the phone with these people and no one has a clue.

I've requested a FREE 30 DAYS TRIAL CREDIT REPORT from TRANSUNION via their web site on 5/19/09. Since 5/20/09 I've been trying to cancel it. I've called many times via their 800 number and being given the runaround by customer service reps (they couldn't find my account to cancel it). Further I could not log into my account. Sent a return receipt/certified letter to Transunion to cancel it. Nightmares, unable to sleep, had to cancel my amex card.

I try the 30 days trial membership with credit union. When I decided to cancell it. Nobody is answering their phone. I am trying this for 3 weeks now, 30 times a days and different time but still they dont answer the phone.

Filed a claim to have an address I NEVER lived at off my credit report, now I have acquired MORE debt with interest cause billers are sending my mail to the wrong address and will not change my address cause they are going by the credit bureaus reporting address. more debt in interest on small bills. I have checked to be contacted by a lawyer on last complaints email only please

I enrolled in triple advantage to monitor my credit score. I noticed my score dropped with Transunion (My score was 667 in Feb '09) and Experian (649) to 576 for both in May. I am currently trying to reach them both, since my credit reports so no new negative information, charge-offs, liens, and my last late payment was in 2005. All I want is someone to tell me why my score dropped. FHA loan that was approved in 2/09 has been denied in 5/09 - lost the home I was bidding on. And its frustrating that there is no one to call at these companies that can explain my drop.

I discovered recently that TransUnion/TrueCredit had been double-billing my account for quite awhile. After contacting them via their 800 number, and being given the runaround by a customer service rep (he couldn't find the account to cancel it), I filed complaints with Consumeraffairs.com and the Better Business Bureau. Within two weeks of filing the complaints the TransUnion customer service manager called and offered to reimburse us for the double-billed amount. She also confirmed that the account had been cancelled. And said she would issue a memo to their customer service reps to check ALL the tools available to them when searching for a customer's account. Of course, I will have no way to confirm that the memo goes out, but I would hope that TransUnion would make sure their customer service reps are properly trained.

A few years ago I subscribed to a TransUnion credit monitoring service by the name of True Credit. For a fee that is debited quarterly they will alert you when your credit bureau is accesses and will provide credit reports and scores from the three major bureaus. In late 2007, I canceled the subscription but continued to be billed.

I called the toll free number and the company apologized and refunded my money. The next quarter I was again billed. I began calling the toll free number provided by the website and the agents had the records of my calls but still my bank account was debited, only this time they would not refund. I wrote letters with no success. Finally, in late Feb-early March I called and advised that I was closing my account to avoid further charges for a subscription that I did not want. The service representative stated that I had 2 subscriptions (potential fraud) and only one had been closed. He assured me that he would cancel the the second and that there were no other products in my name.

I closed my Regions Bank account and they agreed to flag that particular debit as fraudulent if it should occur again. In April, 2009 the company again attempted to debit the closed bank account, but were blocked. Yesterday, 5/1/2009, I received a collection notice attempting to collect the subscription plus fees with the threat that Telecheck had been contacted and I would no longer be able to use my checking account for purchases. I need help and do not know where to turn. When consumers subscribe to a service, there must be a way to cancel that subscription. And if that cancellation process fails, there must be a way to escalate. I have been trying for over a year to cancel this and according to the representatives I have spoken with in their call center, the records show the calls. I do not believe that I will be able to resolve this without assistance.

Since May 2007 TransUnion/TrueCredit have been double-billing my credit card. When I called to cancel the account (you can't do it online), I was told that it could not be found, using either ss# or login id. An 800 number is the only way to contact customer service and they are totally clueless. If customer service can't find the account to cancel it, why can accounting find it to double-bill?

As a result of the double-billing, TransUnion/TrueCredit have gained $159.60 that they are not entitled to. I have contacted my credit card to attempt to keep them from gaining any more. We'll see what happens.

This really deals with all three credit bureaus, and because of it, I do not know where to get good advice. My credit score went from 740-750 down to 690. The credit report was filled with all wrong information.

For instance it stated my credit score would improve if I had purchased a home. My profession for 22 years was as a Realtor. I own a three level four bedroom home right now, but it is paid off. After talking to the representative, she told me because I did not have a mortgage, or a car loan- heavens forbid, I paid off that also, this is hurting my credit score. Is this reality?

In the face of our economic climate with record foreclosures, defaulting on credit cards and repossessed cars, I am punished because I paid my house off plus my car and I pay my credit cards? Please tell me where to go to get an accurate picture of what a person is to do. If this representative is correct, and I have to get into debt to raise my score, then I will have to be branded as someone whom is a poor credit risk.

I disputed the wrong information on my credit history 2 times on mail providing written statement with supporting documents (copy of my license and social security card). My sister's first name is similar name to mine. our last names are same. I waited all this time to get everything fixed, finally i got my credit report for the 2nd dispute after their carelessness , still my credit history contains all the information from my sister.

Now i disputed third time over the phone, it might take an other 30 days . I don't know if they will fix it this time. I am applying for a home mortgage. Just because of TransUnion I can be denied for my mortgage and loose the opportunity for buying a house, plus the money I spend so far for planning to buy the house. Equifax and Experian fixed my credit after I disputed . TransUnion is not doing what they suppose to do . They are only screwing up my life and my opportunities .

IF TransUnion doesn't fix my credit history I am sure my mortgage will be denied. I am going to loose all the deposits and money I spend towards purchasing for the house. And I am going to loose my opportunity to be a home owner. Just because of their neglegence. And mental agony for loosing my money and opportunity .

thru credit report.com i was supposedly given my transunion credit score. this was a 30 day free trial. i have been trying to cancel within that time period both on -line and my phone to no avail!

Tried to access annual credit report. Two checks at two agencies went smoothly. Transunion could not confirm my identity and after talking to someone trying to speak English the situation came down to me sending a copy of my driver's license to Transunion. I do not think so. This is just some type of gimik to keep from providing the free report or harrass people for money. Questions they asked were not competent questions and then they want my Driver's License. Company must be located in South Africa.

I do not like sending my SS # anywhere then to ask for my a copy of my driver's license to be faxed is out of line for any legitimate company.

I requested a free credit report from Transunion, then tried to submit a dispute against a debt that is not mine yet keeps appearing on my report-- six years now. Several banks have tried to get the item removed. My lawyer has written the collection company letters. This time I tried to put the item in dispute online. Three times I was kicked off just as I was about to click the final button to submit the dispute. I had gone through the entire process 3 times, which took about twenty minutes each time. Each time, at the last step, the site shut down and kicked me off. The fourth time I tried to log in to complete submitting the same dispute, I was told I would have to pay. Very convenient for Transunion!

Now I can't submit a dispute with Transunion without paying them? How is that right? If they are sharing an inaccurate item with whoever looks at my credit report, they should be required to at least investigate the item. I should not be asked to pay so that my report is accurate.

TransUnion drooped my crdit score by 55 points November 2008. I ordered a copy of my credit report & found nothing had happened at all during October or November or any other months leading up to the change. When I wrote them asking for some type of explaination, they sent me a form letter say that all changes are based on a statistical formula which was no answer for such a dramatic drop in an otherwise very good score.

This could affect my buying a house.

I have been trying for the last two months to receive a free copy of my TransUnion credit report. I went on online to rquest a copy and was advised I need to write and request a copy. I have sent of for it several times. Each time a I get a letter mailed back to me stating that I need to attach my I.D and SSN card for proof of identification. Each time I have sent proof of my identity and still get that same letter every time. The number that I found on there website is an automated number and I can get it through there either. There are things on that credit report that are not mine and I am wanting to dispute them.

There are things that showed up online on a credit report link that I had to pay to see my report that are not mine. Since I have I can not dispute them without having my credit report which is costing me money and time for things I know I don't owe. I saw my credit score from them and then after I requested it it dropped over 100 points

Compared to Equifax, TransUnion was and is a terrible experience when it comes to credit reporting. Poor service, aweful ESL issues, endlessly being put on hold, problems with communication due to many, many language barriers - the list goes on. The thing that irked me the most was the lies and passing the buck. I was told to call one number with firm commitments by 2 different people that they could help me sort out file errors and how to access US credit reports (I live in Canada). The person (s) who I called were indifferent, patronizing and poorly familiarized with their own procedures. The industry needs an overhall.

I have spent hours on the phone, racked up lengthy phone bills, cannot access my files, and am being denied a mortgage at the rate I am seeking due to an inability to check (the bank or myself) my US file. Even when checking the Canadian credit report, the service was terrible, with conflicting instructions, no customer service, non complaint resolution process and privacy issues.

this company has atached to my bank acount and caused a overdraft of31.65 and 6.95 and 27.00 a total of65.60 I would like to have these charges reversed and to be removed from there email list.

I am 20 years old. My father's info has been on my credit report since I was 16 years old, according to the documents I reviewed. I applied for a bank account 2/27/09 and I was told that I could not open a checking account because of my credit history. The report that was given to me by the banks had my father's information (ssn,birthdate,etc) and bankruptcy on my credit report. As a result, I am having problems getting a apartment, credit etc.

I submitted a letter to all three credit companies and they stated that the information was not on my credit report. I need to find out who is reporting this information to the credit report companies when I apply for credit, and how do I have this error removed. I cannot get a apartment or credit.

I requested that my creit report be updated by mail 3x, each time they say after n vestattions the findings are the same. Then i call to speak with some one directly and he says they will investigate again once again I get a notice that the finding are the same. THEY are not teh same all this says to me it that they really did not investigate. Something is wrong here I sent in the documentation to Transunion myself and stil the same issue I told them to investigate on there own and yet they say the ifo is teh same. THIS IS NOT TRUE I HAVE PROVED THIS ALREADY and it they would actually INVESTIGATE they would know its true also. There has to be sometjing I can do otherwise I have this judgementon my credit report that does not exsist. HELPPPPPPP!!!

I can't get a loan from the bank because they thing this is active , They have asked me many times to fix this and I have done everything possible to do so. I'm trying to buy a house and this issue is blocking it from happening

TransUnion reported an erroneous item on our Credit Report as follows: AT T WEST (Collections) This was a FedEx bill that should have been billed to a company I work for; however, they don't give any identifying data.

DAMAGES: My credit score dropped from alost 800 down 200 points to 600's; also, I wasted a lot of time trying to find out what they were talking about and complaining to the CRA's The collection firm never called and never reported any item to us, but only reported someone else's item on our credit report without any verification or notification whatsoever. Some of our credit card firms REDUCED our limits causing further decline in our credit score so we cannot qualify for loans or lower interest rates for three or more mos. We may have some permanent damage to our credit, because it's hard to undo the damage and consequenses of their unfair actions.

I ordered my free annual credit report through AnnualCreditReport. Equifax was timely & easy, but TransUnion would not proceed until I phoned them. There was a language barrier and it took 15 minutes for them to verify who I was. They asked me questions regarding a mortgage I paid off 10 years ago. I had no idea what my mortgage payments were back then, then they could not match a credit card number that I had for 15 years; I could go on but space prohibits me.

Then Gen or Gne (that's how she spelled her name) told me Congratulations, you have proved who you are & said I had to wait 15 minutes to continue. I timed off on the web site so I could not proceed with the next bureau, Experian, and frankly I am too agitated to continue anyway. I gave TransUnion way too much personal data for me to be comfortable with. Now I am worried about ID theft because I realized I called from a cordless phone. This was an absolutely dreadful experience and you should warn people on your website. That's how I linked to them, through your website.

My nerves are rattled & I worry that the personal info I gave them was not secure.

I contracted for a service that provided me access to all 3 credit bureaus. These reports could be run on a daily basis. In December TransUnion amended their agreement so that the reports could only be run every 30 days. This essentially eliminates the service that I contracted for, without a corresponding reduction in fee. Its unconsionable.

TransUnion inaccurately reported my credit information for the month of February. I am currently trying to close on a house and the information that is in their system is incorrect. I only have a brief time to close on the house in accordance with a marital settlement agreement. My mortgage company removed the information that was previously submitted to the credit agencies (in error) and was causing deragotory issues with my credit.

ALL of the other companies removed this negative information besides TransUnion. TransUnion tells you to call their company, however never will provide you with a telephone number, and the online system was down for a day. I cannot wait for them to remove their error it will cost me approximately $4,000 in points and an additional 1 percent interest per year! It is criminal that companies can do this to you!!!

Loss of $4,000 in points and an additional 1 percent per year. Potential further loss (including the house) if I don't close within the terms of the marital settlement agreement.

I ordered credit reports for myself and my husband , James. We live in the Pocono mts. and our mail must have a box number. Your answering machine only takes house numbers.We paid the 7.95 chg. for each one and it was taken out of our acct. on Jan 13, 2008. The reports must have been returned to your co. We tried to contact someone but could only get an automated machine. Do you have any real people there that can help us? I would appricate it very much. I am 79 years old and not very computer literate.

none yet , but are considering refinancing our home in the near future

On september 5/08 I was notified via mail that Chase home finance had put my rental property that they held the mortgage on, into foreclosure. Due to the fact the house had sold in August and this was in error I notified the attorney that was filing, and Chase about this error, on the same date. On 9/11/08 the attorney filed a civil judgement on behalf of chase home finance against me regardless of the information I had provided to the attorney.

On 9/26/08 the attorney filed the necessary documents to erase this from my record. Chase sent me a letter in October that they had electronically notified all 3 bureaus and it would be removed. In december of 2008, in the middle of refinancing my mortgage, Transunion reported the civil judgement as active on my public records section of my credit report. I immediately ordered my credit report, on line and initiated an on line dispute. That was Dec.16/08.

On Jan. 2/09 Transunion notified me that they had marked the judgement paid. I then had to contat them via the phone and fax them the court docket that showed the error removed. They said that originally they had not been provided the proper documentation to remove it but wouldnt give me any details on what they received that was not proper documentation.

Due to this error I was not eligible to get a lower interest rate on my home mortgage and that cost me $400/month in interest. I have spent numerous hours trying to fix this mistake. I feel the law firm was to blame as well, they were notified 6 days prior to filing that this was a mistake. After removing the mistake, Transunion said my score only went up 17 points. The problem is that this dropped my score 100 points. They did not care and would not admit to their mistake. I cant even get a decent loan rate on a car? I work very hard to maintain an accurate credit report. I pull it every year and every year there is something wrong. It seems like it is very simple to put something on there but it takes an act of God to get it off. I had my score in the 750's prior to this and now I can get any decent interest rates. This is the lowest the 30 year fixed rate mortgages have been in almost 40 years and I cant reap the benefits because Transunion cant do their job.

The laws is consumers are allowed 1 free credit report per year. Trans Union's website is fraudulent and illegally has consumers 'matching' the incorrect TransUnion database; to provide a 'free' credit report. Basically anyone visiting the site is not getting the free report because Trans Union thinks it can get away with consumer fraud.

I am hoping attorneys are working on a class action suit against Trans Union. Or at least immedately engaing Trans Union to obey the law and be forthcoming with free consumer reports as the law provides.

Some time in February 2008 I signed up with an on line company (24protectplus123) in order to access my credit report. After that I received a number of calls from collection agencies. Also I noticed a lot of tampering with my credit report which keept my credit score low. My information was probably shared because my creditors knew that I was trying to refinance and they heldout for more money.

The consequence was that I was not able to obtain credit or had to settle for a higher interest rate.

I contacted the Federal Trade Commission which in turn told me to get my credit report. To my dismay Transunion had not posted any payment history on my credit report for 6+ months.I have a mortgage and 2 credit cards that I pay over the minimum amount due and I have never been late with those payments. Also noticed that 1 of my credit cards,Juniper/Barclays had inquired about my credit history.My Juniper credit card is a low interest so I carry a balance at around 40% to 60%. I had no liens or judgements on the credit report and my income is the same if not better.

Yesterday, a payment reminder came via email so, I logged onto the Juniper website to see the due date and notice that my credit limit had been decreased to only $100 over what I owed and $500 less than my original credit limit at the time the account was opened. Contacted Mari at Juniper and asked her why they lower my limit,she stated it was because of what Transunion had scored my credit rating at. I explained to Mari that I had never been late on the Juniper or other current credit accounts and her reply was that Juniper sent a letter 7 days ago informing me of this change,I still have yet to receive this letter.

I then contacted Jelly at Transunion in India.When I explained the credit score from Wamu problem,she told me that WAMU uses a different scoring system than Transunion even though Transunion's name is attached to it. Jelly then tried to sell me a credit monitoring program by Transunion.I asked Jelly if my credit payments from 6+ months had been added,she declined to release that infomation without purchasing a Transunion product.

I contacted the Federal Trade Commission which Brandon told me that "There is no law pertaining to Transunion reporting your payment history from any creditor good or bad it is at their discretion to do so,and creditors are only required to report late payments". So, after all these years of making my credit score better,why does Transunion have the right to ruin it by leaving the account dormant? I contacted all my creditors who state my accounts have been and are still in good standing.

requested an investigation, from the credit bureau, they did not investigate anything, sent letters with proff of wrong reposting and did nothing to correct.

turn down for credit and offered very high interest rates if approved. constant stress.

I received a copy of my credit report to find the following items to be incorrect. I have requested supporting documentation from the company with NO response. By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 168l et seq., I demand that these items be reinvestigated and deleted from my credit record.

HAVING A HARD TIME GETTING A LOAN

TransUnion prints entire credit account numbers on their Credit Report. Along with birthdate and social security information the potential for identity theft is increased. To make matters worse the address they have listed is wrong which makes me think if this report gets sent to the wrong address. I have attempted to correct my address several times now but after a brief correction wrong information seems to resurface. Corrections don't seem to be permanent.

TransUnion also claims they do not have the ability to scramble or truncate the account numbers, yet Experian and Equifax do. They claim it is the responsibility of the credit card companies to restrict this information. When I contact the credit card companies they of course refer me back to TransUnion. This has become quite a goat rope. The only thing I have been able to do is to freeze my credit.

Because TransUnion will not safeguard my information, I must basically keep what amounts to a permanent freeze on my credit

I had been a victim of ID theft. It has been officially verified, because I was not residing in the USA during the period Trans Union reports has been showing me as a person neglecting credit card payments. I had contacted the companies and they adjusted their records. Also, I have mailed the corrected report of Equifax, neverthless Trans Union simply neglected and shows me as a person in debt.

My employment application was rejected by several Investment Banks due to Trans Union Credit report. Also, the US State Department could not get me security clearence due to this matter. Thank you for your help.

Like others I have tried to cancel charges for services not provided by Transunion and I finally put a freeze on my credit card to stop it. Since that time I have been threatened with a lawsuit or a negative on my credit report. This seems to be akin to hiring a thief to protect your home from burglary.

I sent for my credit report and as i looked at them there are so many bills paid over the years that should have been taken off.that would really improve my credit score but it seem that they aren't going to remove them until there ready to.

My insurance went up several hundred dollars because of this nonsence.My house insurance. I TALKED TO MY INSURANCE AGENT AND HE SAID THAT IT MAY TAKE YEARS FOR THEM TO REMOVE THE PAID BILLS. WHAT CAN I DO?

I have accounts on my credit report saying I still owe certain companies money. Companies I know I paid due to looking at my account whom I bank with and the companies whom I paid with receipts. All I clearly want is this ERRONEOUS information updated in all 3 credit bureaus systems showing that I have paid and removed off my report.

Still on my credit report showing I still owe the agency money. Currently making my credit score a 580 and below to the point I cannot get a car loan in the military.

Attempted to file a fraud alert, to no avail. Ended up with a robot voice saying thank you for contacting T. U. & the connection was severed. Trans Union has incorrectly reported my credit and Personal information for 11 years. My I.D.- Soc.Sec. were stolen in 1997. The Perp. was arrested and jumped bail-never recaptured.

You can't explain the many problems involved trying to clean up such a mess. It has taken me 11 years and the only one of the three credit agencies who has gotten it right is Experian. Equifax is a close 2nd, and they have corected errors when asked. Trans Union has been negative to me and any inquires for the past 11+ years. I am at present sending them a formal inquiry by reqistered mail. 1. To post a fraud alert 2. I want a copy of my credit report.

My son and I have basically the same name which can be confusing sometimes. We do have different SS#'s, different birth dates, and different middle names. When TransUnion received credit information on my son they searched their database found a similar name that had a matching address (10 years old for my son, current for me)and COMPLETELY INORING the current address and birth date differences they just changed my information which combined the credit for my son and I. Now, according to them, I have an alias. He has access to all my information and I have access to his. How inappropriate and illegal is that?

When I contacted TransUnion, their solution was that I had to dispute all the things that weren't mine and then they asked me to mail to them in the standard US mail service a copy of my Drivers License along with my complete name address and Social Security Number to PROOVE who I was. All that in an envelope through the US mail service - How stupid do they think I am? I complained up the chain of command at the TransUnion telephone customer service department, wouldn't take NO for an answer, until I finally got someone that was actually in the United States and could speak English without an extremely thick Indian accent.

The policy of TransUnion is if they find a match in their database like mine and my son's the information like birthdate will automatically update to the new information regardless of the obvious discrepancies. I was told that that is how their system works and there was no one higher that I could speak with, ARRGH! Their solution of updating the information to current was only temporarym they couldn't guarantee that the same thing would not happen again tomorrow. I was just suppose to suck it up and pay them money and check my credit constantly to see if they screwed it up again.

The ONLY way I can prevent TransUnion from changing my information is to freeze my credit. TransUnion has a system-wide global problem and I have top freeze MY credit because they can't fix their problem! Anyone else see a problem with that? If you are interested Equifax report seemed to be accurate and Experian recognized their error and addressed the problem INSTANTLY! I'm frustrated!

My girlfriend and I pulled our credit reports so we were aware of our scores before we approached a mortgage company in pursuit of a purchase for our first home. I was very surprised - and annoyed - to find thousands over thousands of dollars of debt on my report. I spent an entire day calling all of the collectors in fear I was another victim of identity theft, but to my surprise, I came to find out I wasn't. There is another person with my exact name who's information TransUnion just stuck on my report! The creditors said they only report the debt to TransUnion. They are the ones who put the information on the report. So if I have access to this other Joshua's account numbers and local address, then it's fair to say he has access to all of my credit card numbers and address! Isn't this a violoation of the Privacy Act?

The SAME thing has happened to my girlfriend. ALL of her mothers decades of bad debt is now reported ALL over HER credit report. How negligent is it of TransUnion that without verifying the SOCIAL SECURITY NUMBER, that someone having just the SAME NAME is enough reason to put confidential information on their credit report?

It's taken up so much of our time, and I have a bad feeling that once we report it ISN'T our debt, and we go through the process of sending out an accumulation of at least 100 letters (literally) that it will get taken off ONLY momentarily, because if the same name is their filtering system, what's to keep them from the reporting it BACK on our report 2-3 months from the correction? HOW ARE THEY ABLE TO GET AWAY WITH THIS? This is OUR LIVES we are talking about here.

We are now unable to apply for a housing loan, and are just now finding out that most of the information was already reported when we got a car loan, so we are just now realizing our interest rate COULD HAVE BEEN even lower.

When I first ordered my Credit Profile,I couldn't see anything on my monitor. After several calls and weeks I could finally see my Credit profile. So far so good. In 2007 I ordered online by TU Credit Monitoring for 22$ every 3 months. There is a automatic renewal if you don't cancel the service prior to the next quarter.

In April 2008 I called TU and told someone to cancel this service before June 2008.(the next quarter) The Lady told me it is to early to cancel this service now (in April) and I have to call in May 08 again to cancel the service. I told her I am not willing to call again next month and if she would write it down and cancel it next month or whatever. She told me again I have to call again next month! I told her I wont pay anything anymore and I don't refuse further payments.

Of course I can cancel this service anytime I want. This is even stated in their own Terms of Purchase. Would someone here please give some HELPFUL Information where to complain about this company? I am from Europe and there are Consumer Protection Unions who take Action against those criminal Companies. They wouldn't exist for years like here in this country. Please post some effective Advise. Thank you,

I had numerous inaccuracies on my credit report and I noticed that not only was it inaccurate but it was also missing a lot of good information. I have a car that I pay installments on monthly and I have been paying on time since February 2008 however it is not on my credit report at all. The Finance company has indicated that they are reporting however it is not showing on my report.

I wrote a letter to TransUnion Indicationg that I would like for this positive information added ASAP and they responded by sending me a letter saying that the information that I am disputing does not show in my credit report! I am thniking to myself I know that is why I contacted you in the first place!?! They are not alone in having a letter written to them regarding my car note not being ton the report; this complaint includes Gateway Financial ( no reponse yet)TransUnion, Equifax, and Experian. No resolve has been made and I am highly upset about it , PLEASE HELP! Thanks-

This has impacted my credit score horribly I am attempting to repair my credit and I can't because my report is inaccurate to begin with. My score is lower than it was when I signed a contract to get a car , yet I do not have not entered into or defaulted any other agreements that would cause a drop in my score and an increase in the negative info that is being promoted by them. I can not get any type of financing because of this because I have tried & been denied. My score is 200 points lower than it was in February and that should not be-

Possible company Gave Out information pertaing to credit information

Refused credit based on TransUnion report. Obtained TU report and found it missing any info other than name, address, SSN. Tried calling TU--can't get anyone on phone. Filed online dispute--the TU online form is structured such that it does not accept a complaint of incomplete report but I sent in info as best I could. Received response that the disputed item did not appear on the report, so all OK.

Wrote to TU, sending them Equifax report (which is complete and which shows my perfect credit) and a letter explaining that credit was denied based on TU report due to too few accounts with sufficient satisfactory performance--remember, no accounts at all are listed on my TU account!--and that I demand either an updated credit report or they should stop handing out this non-information to inquiring creditors. The response I received was another Enclosed is your Personal Credit Report that you requested and it is exactly the one I'm complaining about--no info on it except for name, address, SSN! What am I to do? How does TransUnion get away with such gross negligence? Who is reading and responding to the complaints they receive? Where is the Consumer Protection we hear so much about?

Denied credit due to woefully incomplete TU credit report.

My son requested a credit report from TransUnion. When he received it he noticed there were 5 credit cards listed that were not his. He asked me if they were mine. After checking the FULL NUMBERS LISTED ON THE CREDIT REPORT WITH BALANCES, I was able to confirm that yes they were my cards. The cards are joint between my husband and myself.

Two different banks hold the credit cards. The first bank who held two of the cards told me that they do not have any information on my husband on file as he is just listed as an authorized signer. They only had my social security number. The other bank who held the other three had all of my husbands personal information.

TransUnion posts a TrueCredit Privacy Statement which states TrueCredit takes precautions to secure your personal information. This company gave my son our FULL CREDIT CARD NUMBERS AND BALANCES. This is a breach of the PRIVACY ACT. If our credit card numbers fall into the wrong hands we would be writing you for a different issue, all because of the negligence of Trans Union, giving out credit card numbers of consumers to unauthorized persons.

I applied for a loan and found that I have many medical bills that my ex is supposed to be paying. We are straightening that out. But, I also found that all 3 credit bureau's are saying that there have been too many inquiries that have impacted my score. I have only asked for 1 credit check from my current credit union and the home loan in the last 3 years. It doesn't show who has checked my credit. How do I find this out? I can't get a home loan because of my credit score.

since 2001, I have tried to have a PAID IRS tax lien removed from my credit report along with 2 additional PAID judgments. I have the Lien release and also 2 letters from the other 2 law firms stating the judgments are satisfied. Trans Union refuses to accept them. I even contacted the court who staes as per the tax lien it is not even on public record anymore since it was paid over 10 years and released for 7

Credit score is suffering, future creditors throw these three public record items at me and refuse credit.

After being denied credit, I went to the TransUnion web site in hopes of getting a copy of my credit report. I signed-up for the Truecredit 30-day free trial, being led to believe that that was the portal. I was introduced to ads of every credit type imaginable, things I could have googled to find, but wasn't interested to find on TransUnion. I was not able to see the individual creditors on my so-called credit report. So, after visiting the incredibly user-unfriendly site, I decided to cancel my trial and call TransUnion tomorrow, then couldn't find the option to cancel anywhere!

The web site used to be professional and usable. Now it's ridiculous. This was not a site to help consumers. It was a site set-up to sell products. If there is another site for TransUnion, please let me know! I will not go back to that one.

I was preparing to purchase a new vehicle so I printed copies of my free annual credit reports and paid for the credit scores from all three. The lowest was 688 from Transunion. Two weeks later, I applied for a vehicle loan at my bank and the Transunion score had dropped to 611 for no reason as I had no changes in my credit.

I was denied a car loan and totally embarrassed. I'm sure the bank thought I was lying to them when I initially told them my scores. The loan officer did state that he has had other people with the same complaint so I don't think I'm the only one.

I had a collections against my credit show up recently, from a debt I had discharged some years ago. The number of the collections "agency", when I called to ask about this, was an individual who offered to clear my credit if I sent him a POA and $375. He did not have a file on me. When I called TransUnion to tell them that the phone number they had associated on this 'debt' did not even belong to a collections agency, I was treated to a long, rote answer that had nothing to do with the fact that they were reporting a debt that did not exist; with a number to a person who was not a collections agency. I was offered NO explanation nor offered any options for clearing up this problem.

I ran a credit report with Transunion. It shows an open account with GEMB/GECAF. I don't remember this account and I would like it closed.

I wnet to get a loan and I was told my credit from Transunion is not as good like the other two credit companies. I wonder how they determined to rate me, I have a good credit history and I never been late or somelike that. I also get tones of credit card applications I wonder if they sold my name as well as other people.

High interest rate.

When I logged on to get my credit report, the information in the system would not allow me to get my credit report. The security question is the issue because it asked me the name of my father's grandfather and his personal information. The point is I never had information about the date of birth of my grandfather other than his name and now I am locked out of the system in order to see and correct information that is being used for my credit history.