Trans Union

Ken of Oakland, CA November 11, 2009

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

Raymond of Centralia, MO November 3, 2009

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

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

Stevie of McMinnville, TN November 3, 2009

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

Don of Menominee, MI October 29, 2009

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??

Don of Menominee, MI October 27, 2009

I wanted to see about getting a VA home mortgage. My credit report came back with numerous discrepancies, and so I wanted to clear them up. Awhile ago I tried to sign up online for TrueCredit by TransUnion (TU). After going through the subscription process, I get a notice something to the effect of "Your privacy is important to us... we cannot show you your report at this time... please call...". I thought, ok, some sort of glitch, and walked away from it. After sending out certified letters to collections and accounts listed, I knew I would have to monitor this stuff. So I again tried to subscribe to TrueCredit. Same scenario. This time I called the number given. 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.

Benjamin of Kennett, MO October 26, 2009

I am trying to get a house before the tax credit goes out. When I pulled my credit report I found that Equifax is good, but Transunion was bad. Over 20 accounts on there was not mine. So I called all of the creditors and found out that Transunion has put another Benjamin's credit on mine! 11 collections and 18 late payments. His social security number is one off of mine.

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?

D of Danielsville, GA October 6, 2009

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?

Don of Cameron Park, CA September 29, 2009

Customer Service telephone number 1-877 has been disconnected. Can't get thru to cancell service.

Marcia of Berkeley, CA September 28, 2009

Sept 23, 2009 I tried to get my credit report via annualcreditreport.com. I told my account is locked and to phone them. I called an spoke with a customer service rep. twice on that day although he gave me different names for each call - but the voice and expressions were the same. Transunion had an old credit watch account for me from at least 4 years ago with an e-mail and street address of a former employer.

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?

Karen of Rochester, MN September 16, 2009

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?

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