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Rodney of Bronx NY (04/28/08)
I received a credit monitoring letter from my bank(Bank of America) informing that someone made an inquiry about my credit report. I called the bank, and they had no idea who this was but told me to call Trans Union. I called Trans Union and they informed me that I would have to pay or join some club to find out who they gave my information to. I do not know who the person or business is.
None yet, but I would like to know who they give my information to and what is needed to get someone's information from credit bureau.
Angie of Independence MO (04/15/08)
I signed up for the free 30-day credit monitoring service through TransUnion. At the time of setting this up, you provide a credit card for the 9.95 charges for the months after the free trial is over. This was fine, as I thought the service would benefit me in some way. After the first couple of months that I paid the 9.95, I realized that I really didn't need to continue with the service. I went to the website to find a phone number to call and cancel the service, however, I couldn't find one. I looked on my bank statement and found a number that way. The initial call took forever as you have to go through several automated prompts just to get to Customer Service. Once I finally got someone on the phone, the rep didn't even speak English well and read from a screen. Be careful..... if you ask a question that is not on their computer screen with an answer they can read off to you, they hang up the phone.
Needless to say, I was very frustrated. Once I finally got to someone that could understand and speak English well, I proceeded to tell her that I wanted to cancel the service. She said okay and asked why I wanted to cancel the service. I told her that I wasn't getting any use out of it. She went on to supply multiple reasons as to why she thought I should keep the service. I finally said Just cancel the service, I don't want it, period. She said okay and indicated that the service was cancelled. I said So I will no longer be charged 9.95 correct? She said No, there will not be a charge to your card after today. I said okay and thank you. Then to my surprise, on April 12, 2008 there was a 9.95 charge to my debit card. I called the number I previously called to ask why are they charging me for a service that was cancelled. The woman on the phone told me that the 'offline' service was not cancelled. I said that when I signed up for the service, I wasn't asked Do you want online and/or offline service?. I simply signed up for one service and cancelled the one service. She continued to read off the screen indicating that the offline service wasn't cancelled. I said that this is not my problem as a customer. This is a company process and lack of training, which I should not be responsible for.
I let them know that I contacted my bank and the credit has not gone through from TransUnion. The rep indicated that it can take 3-5 business days to credit it back. I told her this was unacceptable as the service was cancelled and there should never have been a charge to begin with. She indicated that 3-5 days is policy. I asked to speak to another manager that could tell me a specific date and time the credit would be sent to my bank. She said that I would need to talk to someone in 'upper management' as she did not have that information. Once I finally got to an 'upper managment' rep, he simply indicated that the credit could take up to 2 billing cycles to be credited back to my account. And as for the overdraft charges, I would need to provide a statement from the bank showing the 9.95 charge and the 20.00 charge associated with it. He then said to fax it to them requesting reimbursement and a brief description of the problem. During this conversation, there was no apology or any sign of concern for TransUnions bad training, bad processes, or lack of admission of wrong doing. For those of you out there thinking that the Free Credit Monitoring is a good thing, it isn't.
Gary of Bellingham WA (03/06/08)
This is the first time I have studied the credit reporting aspect of finance. I purchased a report and score from Transunion and received a score of 865 (B). I could not imagine anyone having better credit than mine. I learned that part of the problem was that I had no real estate accounts (I own my house outright) and the other problem was that I did not have large credit limits. I do not need large credit lines! I used to be a Credit Manager, a Business consultant, and a Statistical analyst and based on the info from a phone conversation with Transunion I have concluded that the formula does not generate a determination of creditworthiness and they can't inform me how my report would be different from one who had a score of 100 above mine except to say something incredibly stupid and incriminating, It would be a hundred points more than yours. I have concluded that Transunion is guilty of fraud and slander. They can't produce anything objective and concrete to prove otherwise. I plan on being very noisy about this.
Darrell of Argenta IL (03/01/08)
I had id theft. My credit is now frozen. No one is supposed to be able to access my credit report without my permission. I have a pin number where I call in to release my credit for a certain period. I can either generically open my credit where anyone can access my report while the time frame is in force or I can get a temporary pin number to give to the creditor. Now I have always chosen the pin number route. It has never worked since the first time. Once before it was automated, I received a pin number that was short by two digits and just recently after getting a pin number the creditor told me the pin number for them was not sufficient and required the release to be creditor specific. (not an option on the automated phone system)
Just a pain. One always has to follow up and call around to get the mess straightened out. Interestingly, the credit reporting agencies are required by my state to provide this service to me for free...probably because of the simple fact that these companies have not been good stewards of our credit information...I feel like they are resisting doing what the state of IL has legislated them to do
Marlene of Woodbridge VA (02/25/08)
They are reporting one of my long standing good accounts as an adverse account, filed under bankruptcy. I did file bankruptcy more than 3 years ago now. However, I chose not to include my AAFES, Military Star card account. This has negatively impacted my credit report and I think it is a bad business practice that I must continue to write to this credit bureau with ridiculous results. How can they say this account is adverse, when they themselves are reporting it as paid as agreed? I don't think I need an attorney, but I need somewhere to report my problem and get it fixed once and for all.
My credit score is low because this is a large account and caused me problems when I bought my house. I had to show proof that Trans Union was falsely reporting.
Justin of Washington DC (02/19/08)
I decided hey it might be nice to check all three of my credit reports, I was pleasantly surprised with Experian and Equifax and was feeling pretty good about myself. That was until I came across TransUnion's report and discovered I am a 60 year old woman named (name withheld) who owes $12,000 of bad debt. The problem here is I am 36 and male and have a max of $300 of debt proudly. So it seems they merged my mother's information with mine and now I have to jump through hoops to get them to fix their error. I have this nagging feeling in my gut this will take numerous phone calls and months before it is resolved. So until then my mortgage dream is on hold.
Mortgage application will now be on hold. Credit card request have been denied because of this.
Johnny of Brooklyn NY (02/10/08)
On 11/29/2007 Trans Union received a Credit File request for someone with my name but a different address. The company that sent the request was NCO Financial, a debt collection agency. When I pulled my credit file it shows you the name and address of the company that made the request for your file as well as the information that they sent to identify the person who's file they need. Trans Union released my file to NCO Financial without matching my name to the information they received.
When I saw the inquiry on my file I could not believe that something so simple as matching name and address was so difficult. When I called Trans Union I was told that Trans Union will only send a credit file to a company that identified me by name, address or social security number. Not long after I made that call to Trans Union I received a letter from them that gave me a description of various items on my credit file. I also sent Trans Union proof of their mistake and they once again sent the description of item on my file letter. Trans Union refuses to acknowledge their mistake and they tell me I have to fix it. When I spoke to Ron he looked at my file and confirmed that the information NCO Financial sent did not match my information on my file. I also stated to Ron that if NCO was really looking for me why didn't I get anything in the mail from them?
In the age of Identity theft and people in the business of stealing, I could not believe that Trans Union made a simple mistake like this and forwarded my file to a company that was not looking for me. Trans Union also violated my Fair Credit Reporting Act rights in doing so.
Maggie of Lebanon CT (01/13/08)
I tried to get my free credit report and wanted to pay for my credit score. I answered the questions correctly, and they would not accept my answers. Therefore I was kicked out for security purposes. I could not find a Customer Service phone number, either. Funny how I had no problem with Experian and Equifax.
I don't know how to get my information quickly.
Brad of Worcester MA (01/12/08)
Transunion has been continually giving me a low score on my credit file of about a 520. I filed Ch7 three years ago and have re-established with 5 credit cards and a perfect payment history--no lates. I have been denied car loans, ect. I called them; they told me I can't dispute a score, and its the new scoring system. I feel this so-called new system will hurt the working poor in this country. I need a car to work and make some kind of a living.
Denied car loan, More inquires will lower my credit score even more. Economic damage most likely as I am unable to meet my needs of basic survival in the future, to work and get around. Or I can pay 21% interest and just pay for a car and go without food. This is a disgrace, and I really hope people read this.
Peggy of Lady Lake FL (01/04/08)
I have been trying to get my annual free credit report from TransUnion. I have talked to their customer service rep who asked me numerous questions and then said I should log in again -- which I did. I still cannot access my credit report. TransUnion just wants to sell me access to my credit information which is supposed to be free. The FCC needs to do something about this company's tactics.
James of Maryville TN (12/31/07)
On December 30, 2007, I logged on to the annual Free Credit Report. I was able to get Equifax and Experian. Trans Union wouldn't let me out of ICS. They claimed that I have previously established a name and password. They expected me to remember? Used only once last year! I checked that I had forgotten. Entered my SS# and date of birth. Then it requested the name of a friend. If I couldn't remember the other; how would I remember the name of a friend? I'm 78 and keep receipts so that I can remember what I purchased last week.
Rick of Arlington VA (11/24/07)
I tried to get a free copy of my reports from all three credit bureaus. The only bureau that was a problem, a big one, was TransUnion. All bureaus except TransUnion accepted my correct answers of provided information and let me see my reports. The maddening thing about TU is that I got to a web page on which they said I had correctly answered all questions, but they still would not let me see my report. After logging out--the only option--and going back in, and turning down the option to pay $10 to see my supposedly-free report, I ended up back at the same page that said I had answered everything correctly but logging out was now the only choice. It's especially annoying because I suspect that TU has incorrect information in its file on me.
Seven years ago I had similar maddening problems with TU. I wrote them six times in four months to try and get a correct and complete copy of my report. After about the third letter they sent me a short report that had only a fraction of the information on a report I got from them nine years before that. It took three more letters over several months to finally extract a much longer, full report from them.
This time I'm not playing games with them. Yesterday I sent a letter to the Federal Trade Commission; they oversee the credit bureaus. It's obvious from the log of complaints at this site that TU is a slovenly corporation that only complies with the law when they feel like it, get around to it, or are faced with legal action. I recommend that everyone bombard the FTC until these weasels start toeing the line like the other two bureaus. Here is the FTC's address: Commissioner, Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington DC 20580. If we all take action maybe we can turn the situation around. It's better than suffering individually, like TU wants us to do.
Belinda of Huntsville AL (11/16/07)
Someone with my exact name requested a copy of their credit report, and Transunion sent them my report. The way I found out was the other Belinda knew me and contacted me. She was not happy and neither was I. We do not have the same SSN or address.
This could have lead to identity theft.
Gary of Plainsboro NJ (11/15/07)
I ordered Transunion services online at truecredit@email.truecredit.com on August 24, 2007. The price is 9.95/month, first 30 days free. In September I wanted to cancel this service, but I could not find any cancellation info. in their website--neither e-mail nor mailing address. They did mail me a letter informing me how to view my credit report online. I used that address to mail them a letter on 9/18/07 and asked them to cancel the service. I did not receive any response, but they charged me in September and October.
They offer the order services very conveniently but make it very inconvenient to cancel. Finally I called their 800 number on 11/14/07, 9:20 pm. They canceled it for me. When I complained that there's no information provided on their website how to cancel, the lady just hung up on me. I paid for the September charge but am not willing to pay for October charge. I am very dissatisfied with their way and attitude toward handling cancellations.
Teresadianne of Flint MI (11/12/07)
I have disputed in a legal letter with attachments of my credit files regarding various companies having no authorization, signature nor legal business with me to be pulling any inquiries or credit reports on me. Yet Transunion writes me a letter each time I have disputed these same items and tell me that these will remain on my credit for 2 years regardless, and that if companies have a permissible reason to pull they may. These companies never had a permissible reason. There have been 10 mortgage inquiries in 2 years which I certainly didn't authorize.
This is my credit file and everything to do with my life. I dont want anyone to be able to pull my credit without me being the one asking them to do this. Please investigate Transunion at your earliest convienience and help to resolve this very serious situation. I will not tolerate this careless handling of my credit file any further. My credit score has dropped, and I am paying double the interest as a result.
Laura of Dayton OH (10/31/07)
Transunion is charging my checking account $19.95 a month, and I cannot make them stop. This month again they charged me $19.95 and it put me over-limit; I was charged $32.00 for insufficient funds. I talked with my bank and was told it would cost $32.00 to stop payment on each transaction. It is imperative that I resolve this. If you can give me any other information I would appreciate it. I am already out $87.90.
Carissa of Red Bank NJ (08/15/07)
I tried ordering my 3-in-1 credit report from Trans Union on-line w/ the additional reports/scores from the 2 other credit bureaus - after entering all the necessary information, including my c/c number, a window informing me during the finalization that there was a problem that occurred w/ my order and I had to contact customer service.
Thankfully I printed the receipt for my records since I was unable to retrieve my credit as a result of not being able to verify my identity from questions asked based on 10+ years, information that a normal individual would not know off the top of their head, such as account numbers and credit limits for non-existent cards from over a decade ago; to my dismay after not being able to answer their ridiculously outdated questions, I was unable to receive what I ordered but was charged ANYWAY even after verifying from the representative that she would void the charge.
Allysun Perdue of Kent OH (07/23/07)
I signed up for the 30 day FREE trial of credit monitoring with Transunion/TrueCredit, and the 1st 30 days is free, with no charge until AFTER the 30 days. Today, when I signed up for my free trial, not only did they CHARGE ME ANYWAY, but they also charged me almost DOUBLE the amount! Not only is this an unauthorized charge, but it's also misleading information, and also a SCAM!
I want the money put back into my account and for them to pay for the damages as a result of my account being withdrawn
Georgina of Johnson City NY (06/30/07)
I was declined a mortgage because there was a public record on my report that wasn't mine. The debt was paid to just to top it all off. It has been paid by the person it belonged to and it had been paid for 2 years and it has been on my report for 2 years, but still showing as unpaid still to this date. This has ruined what could have been the happiest day of my life. I spoke to Transunion and they were supposed to take it off and they haven’t.
I may lose the home that I want to purchase due to the length of time it is taking them to take other peoples debts off my report.
Dolores of Grand Forks OTHER (06/20/07)
The last three times I have sent a request for my credit report (the FREE one) they have sent me a letter telling me that I did not send the required identification. I have kept copies of the information I sent them the last two times so I know for a fact that they are wrong.
Bill of Healy AK (05/26/07)
Submitted several disputes over false and erroneous credit reports held by TransUnion. They would not investigate as they advertise, they only verfy what the so called creditors claim to be the truth. TransUnion does NOT verify if creditors info is true. TU claims they can post and forward false credit reports like this any time they want to because it's not their responsibility to verify false or out of date reports.
Constance of Oswego IL (05/25/07)
I have been fighting with Transunion to correctly update my credit file since my bankruptcy in April of 2005. I have filed all of the proper papers, and even faxed over my bankruptcy papers and letters from companies including my student loans showing I am not delinquent. They even messed that up, instead of correcting my student loan, they added that to my bankruptcy. Which you can't even include student loans. I called them, and said they couldn't find my papers and would have to research. This was 2 months ago nothing has changed.
William of Milford PA (04/08/07)
TransUnion is almost always used, and their information is out-of-date. I cannot get past their security system, to change or dispute the information, because their security system uses that out-of-date information to prove that I am me. I cannot find any e-mail address, to which I can send a complaint, and they provide no address to write them by. Only a toll free number.
Jack of Princeton IN (01/31/07)
I paid off my bills in April of 04. The 3 major credit co's did not remove 3 accounts that I paid, including 1 court judgement. Since that time I have repeatedly tried, without success, to borrow money for various business and personal reasons. I did find out that they failed to remove the cases in Jan of this year.
These errors have cost me endless money over the last (almost) 3 yrs. I have had borrow money at VERY HIGH interest rates. I will gladly do a work up of the cost. This has cost me lost income from not being able to fund my business, and having to return to the workforce. I will GLADLY work up a report if needed. I truly hope you are able to help me. This is something that should not go w/o consequences.
Linda of Galva KS (01/16/07)
In 2003 I noticed that nother lady's name was on my personal credit report under my social security number. I contacted TransUnion (The only one of the three listing this other name) and was believed it be to corrected. I run a credit check again this weekend only to find out that nothing was ever done and the other lady has declared bankruptcy. After talking to the bankruptcy court I was able to determine that our last four digits are the same in our SS number, but that is all. TransUnion continues to put her information on my account. Since this is not intentional fraud, a fraud alert does not help me. Who holds TransUnion accountable for the damage they do to individuals for their inaccuracies?
Keith of Chicago IL (01/12/07)
I am at my wit's end with Trans Union! I was lucky enough to get a good bonus at work in September and used the money to pay off debts. Before making a big purchase, I decided to get copies of my credit reports. Experian and Equifax are reporting my accounts correctly, but Trans Union is still reporting the old, high balances that I had before I paid them off in October (it is now the middle of January).
I have been fighting with Trans Union for 3.5 months to get this information corrected, to no avail. Calling gets you nowhere - hold times are ridiculously long, the agents barely speak English and they read from a computer screen. When I try to dispute online I get a message that says "Investigative credit report: System unavailable". I was told to send any supporting information, so I sent a letter to Trans Union from my credit card company saying that my account was paid in full, and I also sent a copy of my zero-balance credit card statement. I got a letter back from Trans Union saying that they "are unable to accept the documentation I sent". This has been going on for over three months!
They are supposed to research and correct disputes within 30 days according to the Federal Credit Reporting Act, and this they are not doing. I don't know what else to do.
Nancyellen of Meriden CT (01/10/07)
Transunion has my wrong name in their records. There is no way to change this. I have called them numerous times in the past to no avail. They insist on calling me Nancyellen Ellen xx. I am Nancyellen Francis xx. I feel they sell this information because I get flyers and various junk mail in the mail with the name Nancyellen Ellen on it, or Nancyellen E. Ellen or solicitors calling and asking for Nancy Allen.
Also the Fico score is only available for a fee but they have statements all over saying click here, for free credit SCORE. When you finally jump through all their hoops to get it, they of course want a credit card. They allow very little room to rectify a complaint or inaccuracy. They are not honest, do not serve the public and are not a true and accurate reflection of ones credit score. Recently there has been a movement among financiers to move away from their tactics and use other reporting companies. I support them.
Sandra of Georgetown SC (11/06/06)
I aplied for a mortgage loan and was denied. Part of the decision was based on two items on my credit report in the amount of $4200.00 and $110.00. Both of these items have been satisfied.(several YEARS ago!) yet they have not be removed from my report.
H of Mission Hills CA (10/27/06)
I wanted a cell phone and went to TMobile. They used TransUnion to verify who I was and claimed my social security did not match up to who I was. I had to give them original utility bills, photocopy both sides of my SS#, driver's license, etc. Trans Union still said I was not me. I phoned social security, who agreed I was me, spent the morning at ss where I received documentation from them also agreeing I was who I was, had this faxed to them via TMobile - and they still say I am not me. I was offered a free report if there is a dispute, yet after going through their automation, was again, denied.
I eventually spoke with a live person, who wants this documentation faxed, again, only via me versus tMobiles' fax to prove who I was. I give up. A cell phone isn't worth it, but what I may have done to myself by way of junk mail solicitation or having my credit royally ruined by this company may be unrepairable.
Marcia of Flowery Branch GA (10/02/06)
I recently got a new mortgage and TransUnion had information from 14 years ago that was incorrect on my report. Later I ordered a full credit report form and credit protection service and found that much of TransUnion's info was old and different from the other two agencies.
Shemika of Homewood AL (09/08/06)
I was online trying to purchase a credit score. I used my credit card and was told that the charge did not initially go through (declined). When I called my bank they informed me that the charge did indeed go through and that I should contact Transunion. Upon contacting them, the transaction was completed and I was assured that my card would not be charged twice.
However, it indeed was charged twice and I cannot get a customer service number or any contact information to have the charged removed. The number that was on the site before I placed my order is no longer available. It seems that as soon as they had my money, all customer service contact info was removed from the site.
Greg of Arlington MA (07/14/06)
I tried to order the free trial of the transuion credit report, and when i selected it, I was funneled into a different, $30 plan. IT was deceptivley confusing. When I called to complain and spoke with a customer service rep and a manager, they were willing to refund $10 of the $30, but not all of it.
Gerald of Berlin MD (06/28/06)
I went to annualcreditreport.com to get my free annual report. WhenI selected Transunion, I could not remember my sign in name and password from last year. I was directed to a page that asked for my last name, last 4 digits of my SS#, email address and zip code. I gave them all the CORRECT info & the next screen stated that the info did not match their records. I had problems last year with them too.
Cynthia of Boise ID (06/24/06)
A few months ago I was turned down for a mortgage and received a letter stating the primary reason as serious delinquency and length of time of delinquency. I was shocked and called the bank immediately. The bank informed me TransUnion showed delinquencies reported to a collection agency from MCI (I've never had MCI) and a public library over 1000 miles away that I have never even set foot in. In order to access my credit report via their website TransUnion made me pay $10. Even though it seemed ridiculous for them to make money off their errors I paid because it said I'd have access for 30 days.
However, once I logged off I was never able to log back in even though they have an account for me and charged my card. What exactly did I pay for? Once I saw my credit report I noticed it showed my current address in Syracuse, New York I went to college 10 years ago however, I have not been back since and have never lived at that particular address. I disputed this information as well as, the delinquent charges using the process on their website. TransUnion has yet to respond or do anything this was on may 12 today is June 24.
When I called the collection agency, they confirmed the accounts belonged to some one else with the same first, last name and middle initial who lived at the address on my TransUnion credit report. However, this person has a different social security number and date of birth. I have a very common first, last and middle name it's likely there are dozens of us out there. Shouldn't TransUnion know to make sure more than just names match? This seems pretty basic.
Although the collection agency agreed the accounts belong to a different person they wouldn’t remove it and said I needed to call MCI but they didn't have the phone number. The only number I could find kept me on hold for 25 minutes and it never said any company name only, “thanks for holding someone will be with you shortly” yet no one ever answered. I've tried every number I can find to get a hold of TransUnion and all of their phone numbers hang up on me. One wants a number on my credit report that's not there and I'm not about to give them more money to get.
So far I have been turned down for a mortgage and a loan. Recently I have been applying to do volunteer work and am concerned this will show up on the background check. Certainly if I were to apply to a different company it would be an issue, companies don't like to hire people who have severely delinquent accounts. I have worked very hard to have good credit despite lay offs and medical bills so this is extremely frustrating. If anyone knows anything that would help I'd be extremely grateful.
Amanda of Huntsville AL (05/15/06)
I also have had a problem with transunion not correcting issues on my credit report as paid even though the credit company reported to them twice that it was paid with them. I have obtained a number in which you can speak with an actual live person I feel the need to share this number since I have read that so many people cannot get in touch with a person, only a recording. The number is 1-800-916-8800. Once prompted to press or say a number, please say or press the number 2 and it will transfer you to a customer service rep.
Lyla of Beaverton OR (05/07/06)
Of all the three credit reporting agencies, this is the worst!! Inaccurate, outdated information. Unable to access e-mail,address,or phone. Was able to update home address from 7 years ago..but since the rest of the report was not negative.. wasn't worth fooling with such an organization
Pamela of Stoughton WI (04/27/06)
I have repeatedly asked them to remove me you know the opt out number they give to the lists of our names they sell? I have visited the website to try and get a copy of my credit report, and I am told I have an account. I don't think so. I keep asking them to check on it and I hear nothing. I can't get a copy of my report from them and a person I filed a sexual harassment complaint against has been applying for auto loans, credit cards, home loans.
Someone has opened up accounts in my name, and have now accessed my bank accounts and credit card accounts. It has cost me over 5000.00!
Donna of Lafayette IN (04/22/06)
I have been trying to get an innaccuracy corrected for about 9 months and it cost me money to keep checking my credit report. I have a homecomings financial account saying derogatory. It also says included in bankruptcy. I have paid this loan off and made every payment. I have disputed this several times and get the same answer back. VERIFIED,NO CHANGE.
I had Homecomings send the big 3 credit agencies the necessary info to correct the problem on all three reports. They have sent them this info several different times over the past 9 months. Finally the last time they sent the info to all 3 credit agencies experian got it right but equifax and transunion has got it wrong. I have disputed both transunion and equifax. Still waiting on equifax. Transunion came back again VERIFIED, NO CHANGE.
After e-mailing Homecomings they told me to send them a copy of my last report and they will send it again. It is impossible to speak with the people who deals with disputes. The customer reps only take info and that is all they do. I know for a fact they are wrong. I have proof they are wrong. I feel I have no where to turn to solve the innacuracy. Equifax is even worse as they have more than one innacuracy on my report. I am just waiting to see the results from Equifax to see if I need to make a complaint toward them. I do not know what else to say since I feel so powerless against Transunion as they control my credit worthiness.
Economically it makes it hard for me to get credit with good rate. I have felt very humiliated when I get turned down in stores. Trying to deal with Transunion and the others as well is very upsetting in itself. My husband tells me to calm down. It is hard to spend all the time and effort and to do it honestly to fix the credit problem only to get shot down. NOT ONCE,TWICE BUT THREE TIMES.
Michael of Port Huron MI (04/16/06)
I sent a check for 5.95 to get my credit score. They have cashed this. I also sent my required information to obtain a free credit report. I have gotten nothing in return. I sent this information first class mail the first week of March. I can provide the cancelled check.
Loss of 5.95 and my sensitive personal information.
Ken of Laguna Beach, CA (02/24/06)
A credit report was denied on line from Transunion (was able to receive Experian and Equifax). I was unable to speak to a human being at Transunion. All I could get was "recorded" information. There isn't any problem with the other two agencies.
Thomas of Pueblo CO (01/14/06)
For the past five years I have been disputing items that are on my credit report that have not been taken care of. I have three people on my credit report. Transunion reports a very low credit score and I have not been able to get this corrected.
I am denied credtit due to the low credit score reported by transunion and pay higher interest rates than I should.
Sequoya of Vinita OK writes (6/24/03):
i recently applied for a Mastercard and after "a careful review" I was denied because of my history of delinquencies with my past creditors. Gee, that is really funny cause I have no credit history whatsoever. I tried contacting Trans Union but I can't seem to get through or even get a credit report from them.
Phyllis of Manteca CA (6/5/03):
I applied for a credit card and a received a letter from the company saying the credit agencies were not using my address. I have had the same Street and PO Box address for 23 years. I have been unable to get a person to answer the phone, just recorded messages. I can't reach them on their web site because I wasn't turned down so I don't have a copy of the report which they require. Their being fined apparently didn't make an impression on them or change their behavior.
Inocencio of Brooklyn (5/9/03):
I received my credit report from Trans Union and realized that they had me as paid 30 days late two times with Chase. I filed a request for investigation saying that I did not pay late and attached to the request I sent a copy from Chase Bank saying that I did not pay late. The investigation results came back and Trans Union did not make any changes. I spoke to a representative at Chase and they told me that they were going to send them another letter directly from the bank and to give Trans Union 30 days. More than 30 days has passed and I decided to order another credit report from Trans Union. When I saw the report again, no action was taken to remove the 30 days lateness from my records.
This error has cause my business transactions to fail. I have a letter from Chase with a rating of 0x30, 0x60 and 0x90 and Trans Union has given me a negative rating score of 2x30.
Shontell of Concord NC (4/6/03):
I was sent to a Web site to see why my credit was denied and they had me fill out a mess of work to get the free trial. The trial should have been free any way because it was in my 60 days that the credit was denied. I want my $79 back. I could care less to look at my credit all year long, I just wanted to know why I was denied.
Sharon of Ukiah CA (3/17/03):
Today I received your (Sears MasterCard's) notice, dated 3/12/03, stating that my credit line has been reduced due to "insufficient time since most recent account opened" and "Ratio of revolving balances to credit limits too high." Since I believe I have zero balances on all accounts, I was naturally quite concerned. I am planning to be out of the country for several weeks. I am leaving in a few days, and I was planning to use this credit card for the trip. Naturally, I was quite alarmed to see that there is a problem with my credit record, and that there is an unpaid balance.
I immediately called TransUnion at 1-800-663-4850. I reached a recording that stated that I could get a free copy of my credit report in about eight days, since the adverse action on my account was taken based on information provided to you by TransUnion, the report would be free. But I do not have eight days before I leave. If there is a problem with the credit card, I’m not going. The recording directed me to www.transunion.com if I wish to view my credit report immediately. I accessed the website. Under “Revolving Account Information", TransUnion’s web site suggested that a credit card had been issued to my name by Providian Bancorp in January, 1989, that I had opened a mortgage in January, 2003, and that I had received an installment loan in January, 1997. I was alarmed because these are all false statements.
I expect that the $11.75 I was charged for the report will be credited to my account because you stated that I will receive a free credit report from TransUnion since information they provided to you resulted in an adverse action. Apparently you either received incorrect information from them or made an error in the translation of it. This has cost me an entire evening and a lot of anxiety. This feels a lot like a scam, and I will be forwarding a copy of this letter to the appropriate agencies.
Sandra of San Lorenzo CA (2/5/03):
My name is Sandra D (no middle name). In the beginning of January 2003 my husband, Barry D and I began the process of refinancing our home (our daughter will be attending college in the Fall) and much to my surprise, upon receiving my credit report from Trans Union, a "Sandra M. D", "aka Sandra B" address(es) given from report are Pasadena, Ca 91107 & Covina, CA 91724. She has approximately 15 accounts, various VISA, MASTERCARD, clothing companies as well as two Civil Judgments in West Covina.
I have had to spend time calling these various companies and municipalities to verify that this is no me and have given my social security number to all companies in which they do in fact, pull up a Sandra M. D in Southern California. I have lived in the S.F. Bay Area all my life. It is now February 5, 2003 and I have been told by all the companies I have contacted that it will take 30 days to clear this from my credit reporting account. Trans Union instructed me to contact all companies/municipalities involved and report that to them. It will probably be another month or two before this is resolved as my lender has to wait for this information to complete my re-finance.
If the re-finance process had been cut & dry, my mortgage payments beginning January 2003 would have been $500 per month lower. I am frustrated that Trans Union through human error can control one's financial status. This is an error with Trans Union and I am paying for it, monetarily and emotionally. This should not happen to any one.
Monetarily, I am losing $500 per month beginning January 2003 and am emotionally exhausted while dealing with the companies and municipalities, proving that these "accounts" are not mine and having them all say, "the social security numbers don't match". I already know that they do not match as I am not Sandra M. D from Southern California.
Sandra should sue the company in Small Claims Court.
Lawrence of Milwaukee (12/17/01):
I requested a copy of my credit report from Transunion on 9/28/01 over their website. On that date they charged my credit card but I have not received my report through the mail yet. I sent a letter about one month later in late October requesting they send me my report. I included my ssn, dob, full name, and reference number from my original order but I have still not heard back from them even though I also gave them my address, email, and phone numbers so they can contact me regarding the status.
I have tried to contact them as well but cannot find a customer service number that I can get through unless I already have a copy of a credit report with a report number on it. This is getting frustrating as I'm buying a home and need to know what is on my report.
Carolyn of South Holland IL (8/16/01):
?This is a letter of complaint against TransUnion, Experian and Equifax credit reporting companies. My husband and I are in the process of refinancing our home and of course a credit check is part of the process. When I reviewed the credit report, generated by Trans Union, for the company handling our home refinance I became aware of many accounts that did not belong to me. There was another Carolyn D listed on my credit history with a different social security number. So I began calling those accounts I knew were not mine. Those accounts belonged to the other Carolyn D as identified by her social security number. They were clearly not my accounts.
I was informed that I must contact each of the three major credit reporting systems (Trans Union [TU, Experian and Equifax} to get my credit history corrected. How can these three major credit reporting services be allowed to create incorrect credit reports that become my responsibility to correct?
These reports are inappropriately handled and incompetently put together. Not to mention the privacy of other individuals being violated by showing their social security numbers. I can only think that my name (Carolyn W. D) and social security number appears on the other person’s (Carolyn A. D) credit report also. It was obvious that there was more than one Carolyn D. What solutions are available to me to protect my credit rating? Without the additional accounts belonging to the other person my credit rating would be good. Can anything be done to protect people against the erroneous credit report?
We were told by the mortgage company that we had "bad credit," as a result of the credit report. And if the accounts were indeed not mine that it was my responsibility to correct it. Which I feel is extremely unfair. I have made it a goal to maintain a good credit rating. And that can go up in smoke because the credit reporting companies group names without checking a simple line item like the social security number. I was very distressed over having to correct a report that I had nothing to do with. I am perplexed about how credit reporting companies are allowed to put together reports that are incorrect that directly affect a person's life.
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