TransUnion Reviews

Echoing all other complaint about Transunion. Difficult to get through, difficult to deal with- one query took over well over an hour, constantly put on hold, rude and unhelpful staff. Same query took less than 5 minutes with the other bureaus. TERRIBLE AGENCY, ROTTEN SERVICE and EXTREMELY UNHELPFUL AND RUDE! Would give 0 stars. Worst experience ever and extremely unprofessional.

I was in the middle of trying to rent a home and the so-called owner had me sign up for TransUnion. Snap a picture of my credit score with a date and send it to him. I think they get some kind of kickback for signing people up. It’s gotta be illegal in some way. Tricking people into signing up for something they don’t need. Shame on you TransUnion. You really deserve zero stars.

If I could give zero stars, I would. Trying to lift a credit freeze is impossible. If you try to do it over the phone, they tell you, "Go online". To do it online it’s behind a paywall that will (drum roll please)… Tell you to call them!

Transunion is a difficult to deal with. They want you dispute 1 thing at a time on their website which is against the fair Credit reporting. I am not sure why are these Credit reporting Agencies exist to begin with!

I just had an exceptionally frustrating hour of calls to try to maneuver through a problem on the website. Trying to begin a credit freeze and can get nowhere on the website. Three different customer service numbers and 4 people to try to help. Last person was trying but could not get my information correct after me repeating it several times. I have no faith in this site, it's customer service reps or Transunion as a whole and that is so frightening since they are supposed to be watching and determining my credit score! I had no problems at all with Experian or Equifax.

I called Transunion today after I received my credit report to ask about several inquiries that were not authorized by me. The ** or ** speaking man could not help or understand what I was trying to tell him about my credit report and he transferred me to the dispute department supposedly and I was on hold for a while. Someone came to the phone and when I said hello the phone hung up. Very unprofessional.

Omg. Please help. Retired Dr, sp. Ed. Teacher. Now with disability and health condition, 73. 800 + credit all my life. What is wrong with these people? I have 3 accounts. One in other credit union before. Accurate, no no accountable. TransUnion started attacking me in October and won’t quit. Phantom accounts, accounts reopened 25 years old. High balances continually wrong. Updated accounts years past closing, I can drive to my credit unions here and have, their information is accurate. I cannot get ahold of anyone another false representation. So many broken laws. After many disputes. Aren’t these federal crimes? Also called felonies. There are more than the fcra at issue here. Anybody affected by wrongful acts here gets damages. Anybody up for a class action law suit?

If I could leave zero stars I would. The website is extremely frustrating. It will bounce you back to the beginning after you have already typed half of page of information. People on the phone are not helpful and there is no recourse. I cannot stand this company. I ordered free credit reports to see why there was a discrepancy and never got to review them. SOOO frustrating. And to make matters worse, one of their customer "service" representatives actually hung up on me.

Horrible website, can’t correct anything, useless instructions as it leads you around in circles, but never let you complete reading about something and how to do it. Things are misspelled and words are put together without spaces in generalized paragraphs that come directly from the company itself, regarding descriptions of itself. Misspelled words all throughout the website, improper grammatical and spelling throughout the website. That alone is enough to have it shut down if they can’t manage their website properly.

Their login page NEVER works - very frustrating that you have to contact customer service every time you need to simply freeze or unfreeze your credit. I know my username and password, yet the login button won't activate. Do not have this issue with Experian and Equifax. Fix it!

It is nearly impossible to communicate with TransUnion. I called and received no help, just an automated reply that repeats itself. I've been told there was a wait online... then that time is exceeded with no reply. I try via their text option, and no reply. WHAT is going on over there!??!

Transunion ripped me off. I found they would not give me a free report and instead charge me monthly. A service I don't need and don't want. How do I get my money back for this extremely poor service?

Absolutely useless customer service. Call center is overseas so either I couldn't understand them and vice versa or the one person I could didn't know how to help me so just hung up on me. That was my 4th call into TransUnion customer service. Reps were disrespectful, lied to me, and just hand up on you abruptly when they don't know how to answer a question or understand it. Supervisors are just as useless and difficult as the reps. Chat is worse and they don't answer emails. All options have very long wait times. When they keep hanging, throwing you on hold indefinitely, and throw you back the phone tree you wait again and again! Absolutely unbelievable!

I tried using Transunion online to get a "free" credit score. The site said my credit card was incorrect. Try again. I did this 3 times and finally gave up without becoming a member. Yet the same morning I see 3 monthly charges on my credit card from Transunion. Transunion is a scam o line and they literally steal from by giving you false information such as your credit card not working, but they take your money each time. This is outright theft and the company should be fined and held accountable.

I want to establish dual factor authentication to help protect my account, like I can with other credit reporting agencies, but I can't see how to do it within their website once I'm logged on. I contacted the live chat and they suggested a couple of ways to establish it, but that didn't work. The last suggestion they had was to log off and try back later. I don't see that as a reasonable fix since I've logged off and logged on before but have never been given the opportunity to increase my account security with that method, even after browsing through my option under my account profile. It appears everyone offers dual factor authentication, except Transunion.

They are completely absolutely the worst. Nobody barely speaks any English where you can understand them. They had messed up my credit score so many times I own my own home. I own two cars outright, I own four bank accounts, four credit cards with 100% on-time payment. They keep on putting it where I only have one credit card for two months with a low credit limit and that is totally absolutely incorrect. Then they want you to jump through hoops and do their job for them. After I’ve already worked so hard my whole life to have the things I own and have good credit.

An absolutely horrible company to deal with. Their website makes me feel like I’m dealing with a scam site (I know it’s not a scam) but it has more issues as a fake website would than not. When I called the customer service number it said they were doing a promotion and if you’re over 50 press 1 and if not press 2. I’m under 50 and press 2 because I just want to speak with someone. Then it takes me to a recording continuing to talk to about the promotion and won’t let me get out of it. I called another number I found that is also supposed to be for customer support and they were closed so I can’t speak on that experience yet, but I don’t have much hope that it’ll be any different of an experience.

TransUnion makes you pay for your score which is UNCONSTITUTIONAL. Also if you have a social security number your info has been shared and Transunion say they investigated but do not. Also only one dispute at a time is unconstitutional. TU does not tell you what to do with your own information. TU under the constitution should not make you pay for your own information. Scores are available by Experian and Equifax free but Transunion charges. PRESIDENT TRUMP disbarment of this company is needed! PLEASE!

Just received my credit report from Transunion which was horribly inaccurate... 6 addresses which weren't mine and 2 bank accounts which aren't mine. They all belong to my ex-husband and we've been divorced almost 20 years. Totally useless report.

Transunion is the pits and should be put out of commission. They do not do 'investigative work'. They are apparently pawns of the industry, and to try to get them on the phone is a study in self flaggelation. I have spent hours in the attempt only to be hung up on twice by the automated system, and even by a 'call back' agent, who cut me off in mid sentence and disappeared.

On December 2, 2024, I logged into TransUnion to download and save my credit report, which I was able to do. I also wanted to see my credit score so I filled out their form to purchase it for $0.99. First time TransUnion said my card was either no good or I entered the information incorrectly. So, I reentered my information and received the same message again. Concerned with my card I checked with my bank, no issues with my card and there are two (2) pending $0.99 charges by TransUnion. However, despite the duplicate charge I was not able to see my credit score.

Absolute worst credit bureau. Their site is horrible. Their support is horrible. These companies should not be allowed to operate overseas for any of their support/customer service period!!! Constantly being hacked like Experian and Equifax!!!! No repercussions either

For the last four years, I’ve been trying to get my credit report from Trans Union. I get it from the other two reports. They refused to give it to me because they put me through several issues on their websites so I can’t even get that and that’s a problem.

Review is not even a 1. We are being charged for an identity service membership monthly with the inability to cancel. Website doesn't work and customer service acknowledges cancellation but refuses to send verification. Billing continues without canceling. See the photo from July 2, 2024. Billing never stopped even though it was canceled in writing and on the phone in April - June 2024. It is now mid-November and charges continue monthly.

Website doesn't work and hasn't worked for months. I want to freeze my TransUnion account, but I can't. When I try to login to my account, I just the spinning circle of death forever. It never logs me in. This organization needs to be shut down.

It was disgusting experience! Difficult site to navigate. After I order report, I try to buy credit score for $1. I need to sign in again, create pins, answer questions and verify my identity. The system reply "We can't verify identity". Even I lived at the same address for 21 years, have same birthday, same SSN, same phone number for 15 years. I call them on 10/26/24. They transfer me to another department. Second clerk hung up on me after I start explaining the issue, in all 3rd time. They told me to call customer relation. I called next day 10/27 and ask how to order credit score. Another clerk just hang up on me too. When this company will be sued, closed and CEO charged with fraud/negligence??? Heinous companies.

I could go on for an hour about this company with my negative thoughts. They make it impossibly difficult to open an account or to opt out. Four times in the last couple years I've tried and have been thwarted every time. Tried everything, different browsers, various communication methods, swearing, nothing works. I've opened a hundred online accounts, I know what I'm doing. I get to the point where they send me the temp code to sign in but I can't sign in 'cause I "failed" the credentials test. And yet the page says I'm signed in the upper right corner! I even tried once to call but the language barrier was so frustrating I hung up.

Tried to log in but could not remember my password. (It's strange for me to not have kept it on my password list; turns out I had saved it in an email to myself. Ah, well...) Anyway, I went through the "forgot my password" process, provided name, address, last four, secret word, etc. All to no avail. It said if I hadn't logged in a while, I might have to create a new account. I tried to do that and it told me I already had an account. I tried logging in again, used the got the code I received from them (sent to my phone,) etc., etc. It advised me again that I had failed the safety check. Then, I saw at the top left of the screen... A "logout" button!! But the site was showing me only the introductory info for someone who was not logged in. I was clearly not actually logged in to the portal. I got someone on chat who sent me Transunion's "official form" to fill out.

This is the most unprofessional company I have ever dealt with. I have spent 3 hours trying to deal with them and have had no success with them or their stupid robots. It is just a merry go around with them. If you get a real person they put you right back in the robot system. STAY AWAY....

Me and my mortgage lender called them multiple times trying to get a rapid rescore done, first no one understood what she was asking for and refused to give us a supervisor. We hung up and had to call back and go back and forth with another rep to get a supervisor who told us she can’t request a rescore on my behalf so I called and was told to have the loan officer call. She calls back and they told her there’s no such thing, she has to file a dispute and wait 30 days. These people are a joke. If I lose a dime of my money not being able to close out on a deal because of their incompetence I’m going to do more than complain online over a review.

Very poor almost non existent customer service. Consumers cannot rely on the information provided by TransUnion to be correct and as a result could be harmed by the errors and omissions related to reporting by this credit bureau. Looking at the BBB website you will find thousands of complaints. The only way to reach TransUnion is via U.S. Mail service; with no guarantee that you will receive a reply to your inquiry. The F.T.C. and F.C.R.A. should be investigating and protecting the consumer against these unfair practices.

For the last 4 months TransUnion has changed my score almost weekly by 70 -100 points. Despite evidence showing that what they are reporting is inaccurate and a blatant lie, I still am the one to suffer. Their actions are directly affecting my small business. We live in a credit driven society and for individuals who pay their bill we expect the company responsible for reporting said payments can do so accurately. Apparently not. I now have to file a report with the BBB, CFPB, attorney general, and possibly hire a lawyer which I simply cannot afford. I am beyond disgusted that such practices are still allowed to go on despite lawsuits that have been filed and substantiated, paid out and addressed, simply for them to not change their ways.

How are they going to update my information for me to still not be able to get into their portal? I'm not paying 2k for a creditor company that is trying to scam me out of money when the credit was removed in the first place. They are insane.

I disputed information they were very slow to correct. This is not the first time I have had to chase them down to get corrections and they are always very slow to respond, blaming the credit card agencies or banks. I asked to get my expected updated credit score as I am getting ready to purchase a house but they would not share it because it was a financial product. I just asked for number verbally, not even printed information. This seems really petty on their behalf. I do not want to enroll with an organization that makes so many mistakes. Difficult to access customer service. Seems like hold times are always "longer than average". No real answers. Definitely would not recommend.

Transunion is impossible to deal with. Their website is glitchy and hangs repeatedly. I have changed my password multiple times only to be rejected at subsequent login attempts. Call them and you will get someone with little command of the English language and ridiculous background noise like they're standing in their kitchen during family dinner. Unprofessional, unhelpful, and yet they hold the keys to my credit report and potential fraud on my identity. Now I see they are being sued for repeated unscrupulous and deceptive business practices. Their revenue is in excess of 3 Billion, go figure. The CEO is a proven turd fostering a culture of deception and scamming, and they are a credit bureau!?!

I have reported, several times, that there is a pep boys card on my credit report. The card is not mine. I never opened one. I called Synch bank from pep boys and they said they do not have any card in my name for pep boys. I called Transunion, and they gave me an account number to use to try to call synch bank back and ask whose card it is. Synch bank said the account number they gave me was a pay pal credit card not pep boys. I have put in 3 disputes and still have that card reported on my credit report with transunion saying that pep boys states the card is legit. I can not believe this can not be taken care of. The card has been paid on and someone keeps using it but it is not me. It's Crazy.

Very biased at fixing problems no matter how much help we have, how many professionals we pay, people like myself still gets cheated out of our hard earned money in interest rates hikes and all kinds of other financial schemes.

I received an email alert from a company that monitors my credit and other personal information. The alert stated that my ss# may have been compromised. The email advised me that one way to safeguard my credit was to freeze with all three credit bureaus. Okay. First up TransUnion. No such luck. It has been years since I last created an account and so my email and phone number has changed, and I don't remember my password so cannot do a freeze on my credit file.

Absolutely the WORST customer service. Waited about 30 minutes to speak to HUMAN BEING. The lady could hardly speak English. She was able to help me reset password. She was not able to unfreeze my account. Needed to transfer me to another department...Waited over 30 minutes and still no one answered.. Hung up. I do not recommend this company. BEWARE. The worst of the worst!!!

Almost impossible to get hold of someone there, call center in India and when eventually connected to someone, it's like talking to a parrot. This has been a horrible experience and it's shameful that we as a nation have ended up here. All I wanted to do is to opt out of the selling of my personal information and marketing communication. Good luck with that!

I am just trying to put on a credit freeze. I have been on the phone for an hour. Once it was with the online AI-- then an online agent (supposedly), then calling in and starting a chat. I just keep getting put on hold. I tried to login, to reset my password and nothing worked. No emails were ever sent to me -- and yes I checked my spam and trash. I am very upset.

TransUnion's system is broken and dismissive of serious concerns. They make themselves unavailable—not just to customers, but also to the companies they collect information from. There’s no email support, scripted phone agents, and a lengthy dispute process. In my case, it took 3 months and the errors still weren’t resolved. Their condescending responses, like "happy" and "Warmest Regards," closed the case without fixing the issue. A simple call to the leasing company could have resolved it, but instead, I had to escalate it to the Consumer Financial Protection Bureau to hold TransUnion accountable for their critical failures. I give TransUnion 0/5 stars.

I have not been able to access my TransUnion account in over two weeks. For two days I have been on hold for an hour to speak with customer service first and then technical assistance. Their online chat is no help. All I want to do is freeze my account. Experian and Equifax were a breeze. I am extremely pleased with Experian. Not being able to access your account with no help via online or call is quite dangerous in light of the recent breach. Get your act together quickly TransUnion!

Well, this entire experience is frustrating! I just finished writing a 200 character review and just as I finished my screen froze and I was unable to submit my review, so I’ll try again. It’s bad enough that I’m dealing with the hot mess otherwise known as TransUnion, and now this! I wish I had seen the reviews for TransUnion before I signed up for an account. My info was part of the NPD breach last month and so I signed up for accounts with the 3 major credit bureaus so I could freeze my credit and activate fraud alerts with them.

Website sucks. That's about it. JavaScript errors everywhere, website constantly spitting out text on the screen about [object Object]. Clicking through all the links after logging in for the third time since my username and password were randomly incorrect for the third time even though I just copied directly from my password manager to two different browsers, Chrome, Edge. It still slaps me onto a 'Login help' page asking me to reset my password again.. TransUnion seriously needs to just close at this point, looking online, it's been an issue for over a year.

You really do not want to try and sign up for any of this company's services, I have utilized 4 different browsers ranging from one this is extremely secured to least secured and every attempt results in failure, I have succeeded getting as far as them sending me a code (2 factor authentication), I enter the code CORRECTLY and it fails to validate EVERY TIME and they want me to LOG IN TO TWITTER OR FACEBOOK TO GET SUPPORT! (Social media, are you serious, this is supposed to be a secured way to confirm an identity!) This company is supposed to be security conscious, HUH!

Little works with Transunion. Even the most basic services fail. After try three different browsers on two different machines, I can't freeze my credit. Simply get an error: Sorry, we're having trouble showing the status of your credit freeze right now. Their tech support is a complete fail.

I've had my credit info frozen due to previous identity theft, and if I remember right I did it through Equifax, Experian, and TransUnion. I needed to unfreeze those accounts and was able to do it relatively easily by calling them or going on their website, and I was also able to change my date to freeze it again through those bureaus. I called TransUnion, and when the system asked what they could help me with, I said "freeze my credit." It then, as was expected, asked me for info such as my birthday, S.S. Number etc. No problem. It was then going to transfer me to someone, and I got cut off before it got a chance.

I have bad experience with their team. It seems like they are incompetent. I’ve been contacting them to see if they can fix my credit report and score but they haven’t responded positively to me. They either blame lenders and creditors yet I explained that the lenders contacted you and you requested them to inform me to contact you to finalize the issue.

If I could give less than 1 star I would. The TransUnion website is nonfunctional once you log in. I was looking for access to freeze my credit and was directed to log in separately. A separate login site does not recognize my information and I am sent around in circles. This happens every single time until I give up and move on. I've been able to freeze Experian and Equifax - but I've not been able to deal with Transunion website since before the pandemic - though I've tried. HOW on earth could a credit agency that holds the most weight when my credit is checked have such an ill-functioning website, asking for multiple logins, and be so completely buggy and scammy and generally unusable? How do they get away with this???

Your company is seriously BROKEN. Logged in and went to freeze my credit. Your website had a message saying it cannot determine the status of my freeze and suggested a chat bot. Once the chat bot had my freeze request it gave me the option for a 77 minute wait to speak to a live person or I could call an 800 customer service number. Chose to try the customer service number where I was directed to the website even though I kept saying live person and attendant. Customer service ai bots are deaf apparently and it automatically sent me a link to the ever so helpful chat bot… And the circle of madness starts again.

Complete joke. Removed an account from my file and made my score go down substantially. Told me they didn't. LOL I am holding in my hand the document that tells me they did. Asked to speak to a manager or higher level of support (support person Lucy was messaging someone to help me and was fairly rude) and was told I could not. Then she hung up. And you want me to pay for your service? Yeah, no.

I had bad experience with this credit bureau for years. I dispute 4 accounts that are Fraud. Dispute is denied. I send in police reports and ID, theft reports and hired a credit repair and TransUnion keep playing with me and not fixing my credit report. Now I have to hired a lawyer.

Transunion reported my credit card account as being closed; I disputed that, as it is an active, open account. Transunion's response was to delete the account entirely, so I can't file a new dispute! They refuse to reinstate the account, and dropped my credit score by nearly 20 points! Their customer service was no help whatsoever.

Website is a disaster. Customer service is a joke. English is a distant second language for the outsourced customer service department. The tech support clearly has absolutely no idea how to resolve actual login issues. What a joke.

Too bad I can’t rate them zero. They are completely useless and do nothing to help a person who has been a victim of identity theft and fraud. They won’t allow me to even update my phone number even though the fraudster was able to add theirs. All of their calls (even when you call a local Canadian number) are redirected to India where the people do nothing to help and are incredibly difficult to understand. It’s too bad everything can’t just go through Equifax where they actually know how to deal with these issues properly and in a timely fashion.

A "live" chat wasted my time because he kept on asking stupid irrelevant questions to my legitimate question about something questionable on the site! Clearly he didn't have a clue what I was asking about... What a waste of my time!

Substandard company with substandard information. I missed a point from my loan because TransUnion has old information. TransUnion said my score was a 743 when it was an 811. Use Experian. Experian cares about the reliability of their information and is current. This is what people with money want, up to date information. Stop using TransUnion as a source for credit checks. They are not current and do not help the creditor or the consumer at all. TransUnion sells false Information!

Credit monitoring sites such as Credit Karma and the likes say your credit is updated “weekly”. Well if they were my score would not have gone down and they would have seen my balance on my cards is paid off entirely before the due date. Not just state that my balance increased. That is a lie that your score and activity are checked weekly. Both TransUnion and Equifax need to stick to their own policies and procedures and check “weekly” like it says.

Terrible website - it asked for my email as a landlord and then sent me a request to screen my credit! No chat for support; you call the 866 number and it begins to send you to a "representative" but then states they are "closed - call back during regular business hours". Does it then give you those hours? No!!! Idiotic - I can't stand it when these companies have outgoing messages and never listen to them for common sense, accuracy and courtesy. We'll see if they are any help tomorrow morning whenever they open up - who knows!!?? Very poor first impression....

I am a victim of identity theft and my Transunion credit score dropped from 800+ to 650 because of a fraudulent account opened in my name. Transunion told me that despite I don't have any responsibility with this issue, my credit score will remain 650 for 7 years! So now I wonder how reliable their credit reports are, they provide wrong information to banks and institutions day after day!

By far the worst company to deal with. Been trying to get an online account for years and they will not help. I’ve been hung up on multiple times. Just over this, how are they still in business when they are unable to assist even when what they are reporting is wrong.

Absolutely the bottom of the three. As a loan officer, they are often inaccurate on my clients' reports vs the other bureaus (and reality) and cause frequent problems with their new mortgages. As a consumer, they are incredibly difficult to work with online, and by phone their automated phone system will have you screaming into the phone. After going through a ton of menus and being put on hold, I was hung up on.

This is the worst bureau of the 3. The website never works. Can't get credit score, always an error. Can't update my consumer statement, always an error. Absolutely horrible and unhelpful!! How can consumers move forward if your site is constantly glitching. It's ridiculous.

TransUnion's credit scoring is simply very sloppy and not helpful. Despite my balances decreasing (paid down), my TransUnion score dropped 20 points in a month from 740 to 720! I have NEVER had a similar experience with Experian!

I would provide a zero if there was a choice. I get alerts occasionally and every-time I try to login it doesn't work and I get locked out, then have to call them during weekday hours. This service is useless, thanks to the MGM and Caesar's information breach for picking a crap credit monitoring service. I'm calling in Monday and removing my data from trans-union, as if you cant log in they likely can breach your data themselves. Also will contact MGM and Caesar's.

In three weeks, I lost 91 points. However, I've been paying all my bills including my mortgage. I cannot understand how one can lose 91 points in such a short of time without any reason. Because TransUnion cannot show me what I failed to do. Very disappointing!

They are incredibly hard to work with. Difficult to understand the customer service reps. I had to go through 3 today and all of them had heavy accents and spoke very quickly. That's fine, I just asked for them to slow down and/or repeat themselves. When they got chippy about me asking them to repeat themselves it was incredibly unprofessional. I did not feel safe at any time giving or discussing my personal information with them. The site is terrible to use. They have information that is incorrect vs other credit sites. When I tried to correct this I got locked out of my account...Leading me to well over an hour today spent trying to fix this. Still not fixed.

TransUnion must have some financial incentive to so knowingly make their customer login experience so faulty. I responded to an email sent by them, repeatedly followed THEIR exact prompts, had to call their service # twice, was issued two separate temporary passwords and STILL could not gain access to my account. Their system apparently uses CASE SENSITIVE account USER IDs (non-standard), but nowhere will you find that important info at point of entry, nor in the emails they send. Their PW reset information is worded in such a way where the PASSWORD has a period/character at the end of it, so if you cut and paste, you have to know to remove it, and THIS IMPORTANT INFO is in neither the email nor the login entry screen. A more futile, aggravating and sophomoric software experience you will not find. If TransUnion has this level of poor software at user interface login, one can only imagine what kind of security they employ at the system level to safeguard records.

I don’t know what is going on with Transunion. Again, this reporting agency is reporting false negative information!!!! I wrote a review a couple days ago about my closed Capital One account. Today it’s my closed Military Star account. Transunion is reporting an increase instead of a decrease in the balance and a 30 delinquency after a payment was made. This account has been closed for over a year. Terrible.

Since I know I have excellent credit store and it been confirmed. Yet Trans Union gives me a credit score 90 below Equifax and others. Bought a new car, Equifax lowered by 10 points and Trans Union by 75 points. Called them and they want me to create an account with them to dispute it and says that their reports are the most accurate in a hard to understand accent. Apu in the Simpsons is easier to understand. Why would I pay with an account when I have it free with the bank just to dispute their mistake.

These guys reduced my credit score by 39 points to then suggest I download their app and pay a monthly fee for their app. By creating a false urgency, they are committing fraud to force you to buy their services.

Wanted to cancel credit monitoring. Lost password. Went through their portal to reset, even called. Eventually spoke with somebody after 45 minutes. They tried to have me sign up for a new account. My advice is don’t lose password. May end up not being available to access your account.

I spent five minutes going through their automated personal verification process only to be required to give the same info to a person in INDIA, including my social security number. I will not. I called twice, the first person was incredibly difficult to understand, the second person was only marginally better. I hung up both times. I will not give my SS# to people in India (or Canada or the UK), nor should I be required to do so in order to get a legitimate dispute resolved involving my credit report. I do not feel like this is a safe protocol and I will not subject my personal information to such a shoddy data management practice.

My data was breached by Mr. Cooper and I was advised to place a security freeze through TransUnion. The girl has a bad accent and I could hardly understand what she says. She told me she can not place the freeze for me. I called 3 times already. And asked for call back. The number ** called back but did not say anything so I had to hang up first. Do the whole drill with TransUnion again in order to get the second call from the number back. This time, she said I did not answer her question right... I could barely understand what she is asking.... And what she says... Sigh... Sigh... Sigh...

A company that reports your credit but doesn’t investigate disputes the way their disclaimer states and ask asks for personal information and reads it out loud back to you violating your HIPAA rights!

I called to verify a 59 point decrease in my credit score in one month, and they reported that decreasing your mortgage (i.e making on time mortgage payments) and making on time credit card payments (0 balance on my Kohl's card) does in fact drop your credit score by 59 points. They are ridiculous.

This company is a complete joke! Their website is very easy to maneuver and make disputes although you have to monitor and follow thru with the results. They have consistently placed my score 30-80 points Lower than Equifax or Experian although the info is almost exactly the same. I chatted with a rep, (Kath) who couldn't give me a single reason why my score was like 655.

TransUnion are nothing but a bunch of incompetent liars! My credit score dropped 65pts in 2 weeks for ONE credit inquiry in which I was granted a loan of 10,000.00 dollars. In two years I have never missed a payment or been in arrears on other loans. I have done absolutely nothing wrong, but yet after working hard over 3 years to get my credit score up, in less than 2 weeks TransUnion has literally gone out of their way to screw me over! I am not signing up or paying them to join their crooked website or waste my time trying to contact them to dispute their horse crap. BUT I felt it necessary to share my experience and from what I have read here, they are nothing but a bunch of incompetent people whose moral compass is so out of whack I am not sure how they find their way into work in the morning! BE.

It's 2023 and these people can't change basic information in our files. Phone number, address, you name it, they can't do it. They also don't care about getting any of it done, they get moody and rude after a while. Feels like a bunch of kindergarten children running a Mickey Mouse outfit!

I've been disputing a fraudulent collection account on my credit report since June 8,2023 and TransUnion is the only one out of the three credit report agencies that refuse to remove the collection account. I'm being treated unfairly because I have a $16,000.00+ fraudulent collection account on my credit report even though I have filed a police report and a identity theft on the involved parties. I need advice on the next steps I need to take against TransUnion for destroying my reputation on my line of credit report.

TransUnion is not very fair when reporting credit information. This summer they reported me as deceased. And even though I gave them all the information and documents proving that I am alive, they did not correct anything. I had to contact Consumer Attorneys to fix my problem. And if it wasn't for the help of ** I would hardly be able to live a normal life with this credit report.

I tried to update my address from 2 years and no single department helped me out with it and they keep rotation me from one to other representatives for almost 2 years. They all don’t know how to help customers and they don’t even listen to anything that I was saying, all they did is just try that which I was not able to understand and they are just ready to hang up the call. Transunion needs to work properly, I tried EQUIFAX and I got my report in 5 minutes.

Staff cannot speak, read or understand English. Rude and incompetent. Transunion is has no reputation nor dignity. Canada should be ashamed to have organizations like this. This company should be deleted from the face of the earth like last year!!!

They don’t give credit where credit is due. If you pay on time or pay your balance in full to your creditors every month they bump your credit score up 1 or 2 points or nothing at all. But if you’re late or miss a payment or 2 they try to ruin you for life!! I don’t think it really matters at how good you are at paying your bills on a timely manner every month because they don’t give you the credit for that that you deserve. Just mess up one time and they will drop your credit score about 50 points each occurrence. And that my friend is an unfair practice!!

Absolutely terrible service. I had to talk to at least 6 people before I found someone who could at least explain the process of resolving a dispute but even then the agent could not explain why my credit score suddenly dropped by over 200 points. If her explanation were actually correct then my score would have been jumping up and down each month for years, and it had not done so. It had been almost perfect for months and then this past August it dropped significantly, despite my not having any missed or overdue payments. The agent confirmed that there were no problems and instead told me that payments that were recently made had not yet been taken into account by Transunion and I would have to wait a few weeks.

I've attempted to get a DELINQUENT entry corrected on my record. The balance and account has been closed. I have submitted a dispute via online and mail and each method has yielded nothing. This is what makes it bad, the company (Brinks Home Security) updated my information as PAID IN FULL with a balance of zero. But the very next day Brinks updated my recorded as delinquent again. With all this information as part of my record, they have refused to changed my balance to zero and the account paid in full. TransUnion is useless, I will simply keep my proof of payment and submit the proof of payments to any creditors that request it. Will waste no more time with this agency, it is TRASH.

Please be careful with checking credit card companies who work with Transunion. They tell you that you can check for a new credit card without it affecting your score. It's a lie!!! Soon as you check score drop. I have never made one late payment and my score dropped. I only did the prequalify. Transunion is not a good credit company. I be glad when they do away with these companies. I'm not behind on one credit card I got.

This company manages people's credit, but can't do their own job. I have FOUR accounts PAID IN FULL, yet they still show a credit balance. I have been disputing these for months and gotten NOWHERE. This affects me in a negative way. TransUnion is in the business of ruining people's lives.

I set up an account one day and the following week it kept telling me I couldn't verify my identity thus sending me reset for password. Well at last I knew my email address, just not my first and last name and at 52 yrs old I'm ashamed at myself for not knowing and they do. At any rate. We enter our SS number by phone keypad and it gets announced verbally so others around can also hear. Boy, I sure am glad TransUnion is always looking out for us.

I have been trying to resolve this issue for years. I was a victim of identity theft. Someone had me legally dead. I found out later that Credit One credit bank was on my credit report. I been disputing this to TransUnion. They keep telling me it’s accurate. I told them I never had a card with them. I know they are the worst to deal with. They said today I have dispute this too many times and they won't do another investigation but I am going to send them more documents today. I don’t care if I have to write a letter every week. I even sent them a copy of the Social Security letter where they stated someone had me legally dead and still today saying it’s accurate. TransUnion really needs to be investigated. I am going to file a complaint with the BBB also.

TransUnion qualifies as one of the most difficult and unresponsive companies I have ever encountered. Operating as a US oligopoly, the organization demonstrates little, if any, regard for consumers. It's nearly impossible to clear up report discrepancies. This is the natural result of a company that's not accountable to the public.

I tried to create an account and kept receiving an error message that my identity verification failed. I reached out to TransUnion on Facebook Messenger and was paired with Caity. I explained the situation and she kept resetting my account so I could try again. Instead of offering any useful advice she just stated that there was nothing on their end that indicated that there should be an issue, and when I told her I still wasn't able to make an account she simply stopped responding instead of offering any alternative solutions.

Signed up to mytrueidentify because a company I deal with had a data breach and I had concerns about identity theft and stolen information. Received my first report and had to log in to view. Couldn't remember a password so I clicked forgot password. It gives you a drop down list of common secondary verification questions. I picked one I thought I might have used during setup and answered it. It seemed to ignore my answer as if I got the questions wrong so I picked a different question - same thing. Appeared to ignore my answer as if I had gotten it wrong. I called TransUnion - went through a very long process with someone I had trouble understanding because they had broken English. Finally managed to make my way through and the person reset my password. I went to my email, saw a temporary password and tried using it. It failed. Tried it a couple times and the account locked.

I think your agency is very bias… I just looked at my credit and my accounts have reduced several times and I get 1 point but if I use any of my credit cards my score is reduced by 5 points or more. I honest wish there were other credit unions that could monitor my credit. I really don't like your ratings… they’re unfair…I mean, I have 100 percent payments rating, never missed a payment and they treat people like a deadbeat father..

No online support, phone support I cannot understand what they are saying, the other 2 reporting agencies are great and support is awesome. The government needs to look at TransUnion work ethics if they are being utilized by a lot of companies.

July 28, 2023. Did you know that TransUnion only give credit reports. You have to purchase your credit score. I contacted TU to have a freeze temporarily removed from my account. First I tried using the website, couldn’t get past the first page which advertises services you can purchase. Since I found no help for my request online, I placed a telephone call. Got disconnected while speaking with a non-English speaking REP on the first try, got the impression this person was not efficient at customer service issues. We conveniently got disconnected. Had to call a 2nd time, was asked the same personal info. Told to use iPad or Android phone. Did. Still no help! Back to waiting for a a “voice team”. Overall I have been simply trying to unfreeze my account for over an hour. At this writing, I am still trying. Unbelievable!!!! Never had this problem with one of the other agencies. Will try the third on my list. Hope I get a better resolution.

Several attempts to log in to the TransUnion website so I can freeze my credit fail, fail, fail. I have now spent over 90 minutes attempting to log in with and without customer care assistance. The guy on Customer Service was only interested in sending me a new password and then told me I must wait 10 minutes for the new password. Well guess what... yeah that didn't work either. Now back in queue for another attempt. If these credit bureaus get to have so much effect on American's lives then they should be held to higher standard. Where are you Elizabeth Warren.

Very Bad, even after several attempts! No live representative will ever return a phone call even after waiting 6 hrs on them on two different occasions. The only help was the one on mesenger n she can only do so much, but at least she had feelings!!!!

Just scammer. Without your permission they cut the money from your account. I do not let them to subscribe me but they do automatically and they charged you without any notice. I guess every body need to report them.

I was told absolutely nothing about the cost until they sent me a receipt. Impossible to get a hold of customer service in order to sort it out. Super shady money grab. I would not trust this company in any capacity. Definitely avoid!

I called them and waited on the phone for 3 hours and 15 minutes. Nobody answered. They did not verify my identity because they did not answer and I could not rent the house. Stay away. Or try them and learn the hard way. In the next year, you will see they will be bankrupt. I hope so. Worst service I have ever seen

In checking my credit ratings today, I see something funny and that is my TransUnion score dropped by 3 points from 807 to 804. When I looked at the details I see the reason it dropped is because I have a balance of a whole $20 on my Lowe's credit card due to a recent purchase. Can anyone believe a credit score would drop 3 points over a $20 balance? In the same time frame the other agencies reported an increase in my credit score because I paid off most of my credit cards.

So the website "can't verify me." Says to call the number. That number puts me in a text chat with a non-English speaking person (the text chat is broken English). Then "he" proceeds to make me wait several minutes, send me forms to fill out, then tells me he can't help me and to call the number (that I already called). I called the number, couldn't understand the person. That person plays dumb and has no idea why it says "can't verify" on the website. Then proceeds to update my current address. I then get a mailing address where I can send hard copy, with cover-letter my issue. So this "credit" company has inaccurate negative items on my credit report, but can't even manage its own website. It has no clear path for resolution is hot garbage. I am forced to care about this company because I want to buy a damn house and this turd of a company can cost me tens of thousands of dollars. This company needs to be dissolved.

The site hides the price of its service. While attempting to look for a credit score (which Equifax provides for free) it asks for a card to "verify your credit." It then proceeds to charge the card with no confirmation that you will be charged. I strongly advise AGAINST using this company as they provide no real service.

Transunion is an ultimate fail. Off shore. Will not help. Nightmare to deal with. WARNING! IF YOU CHECK YOUR CREDIT RATING IN THE EVENING, GONE NEXT MORNING. CUSTOMER SERVICE NO HELP AT ALL. JUST EXCUSES.

Not trustworthy and will not communicate with you. I called and cancelled service to then get charged an hour later for next month. They never told me anything like this when I cancelled service. I have to fix my car. Now I can't. Thanks TransUnion for being the worst.

I like many other on this site cannot log into the Transunion site. Even though I pay every month it is impossible to get help whether it be them constantly having website problems or representatives that has nonexistent communication skills! Beside log in trouble they continue to lower my credit score as they have done lately for paying off credit cards the statement from them is, "good job you've paid off this account" and then they go and reduce my score by 42 points!! ** Hire some Americans!!!! Because you obviously can't intrepid data correctly!!!!

I was using ShareAble for hiring from TransUnion. The experience was a disaster, to prove your identity you need to call them and wait on the line for more than 30 min. I called several times. It's a very useless service. Waste of time and money.

This is broken on so many levels I cannot tell you, this is why their NPS score is -6, yes that's a minus. When you call to dispute, they dispute you. I was looking at my freshly generated credit report by TU and they told me I was wrong, was staring at it on the phone with CS. When I got a Supervisor after I validated 12 different questions...understand security, but they would not validate me until I pressed them. More validating with Supervisor.

Been trying for several days to access my account. I know my user name and password. After finally connecting with a human, I still not having success. They can't seem to send me the email as promised to access my account. I pay monthly for the worst service I have ever experienced. Will ConsumerAffairs investigate or just print complaints?

There is no doubt that TransUnion is the most incompetent of the three credit agencies. The information provided by these individuals is inaccurate. In the event that you file a dispute and provide documentation that indicates the account does not belong to you, they disregard it. It remains on your credit file, resulting in a significant decrease in your credit score. Not to mention they gave me someone else's credit report. This person lived in a completely different state and I was given a credit report with this individual's personal information.

I’ve been paying monthly TransUnion and they are unable to pull my report and transfer me to several agent who asked the same security questions without being able to helping us. Very bad service, they have recurrent payment model but they will not give you the report.

The banks are reporting that I've never been late - ON ANYTHING. Transunion is taking that information and putting delinquencies on my credit report. Then, if I finally manage to get through to customer service (who sound like they're usually on vacation in far, far away lands), they sound like a broken record that wants to open dispute after dispute. The disputes get us nowhere - I wish they would understand that. One of these banks reported the same account twice (two late payments when there was never a single one), but instead of Transunion identifying and fixing the mistake, they offer the dispute option. When asked to explain to me how I could have late payments when I've been on time my entire life, they offer the dispute option.

I am exhausted by the fluctuation in my report by this company and believe their process needs desperately an update. I have worked feverishly to better my circumstances for since my divorce yet any move I make, Transunion, breaks my character by plummeting my score perpetually. All the other credit bureau observe and credit my good behaviors yet this almost guaranteed understaffed and underpaid establishment is in control of a share in my creditworthiness and is not accurate. Pisses me off and it's not fair.

A 100 point drop in my credit score because I sold my house and closed a credit card. They aren’t consistent with the other two reporting agencies and they are no help when you call. Escalated call to supervisor and got nowhere.

Transunion's website promises a free credit report. The ONLY sign up options are paid accounts. They deliberately obscure any way to sign up for a free account. When you click the link for a free credit report, it goes to a different website, **. This promises reports from all 3 agencies. That form never works, so then it directs you to ** and this phone number 888-EQUIFAX. Obviously Equifax. When you call that number, they have no idea what you're talking about, and cannot help you with the 3 reports you were promised on the previous page. And no one at Transunion seems aware of what is going on, or cares.

We wanted to get our credit unfrozen. (Someone stole our social security numbers). We spent hours trying to get the task done. You get hung up on when you have waited for 15 minutes, or have been trying to talk to an agent for 15 minutes. The staff is rude and lies. This is likely due to the fact that they are not allowing enough time to fix the problem that you are calling about. In the end I could not have fixed the problem without help. They asked me if I wanted to refreeze my credit again. I said no. It was easier to deal with the stolen social security numbers. We are forced to use this company and you are treated like a criminal.

I just spoke with Kimberly at TransUnion and had a very frustrating experience. We are applying for a new mortgage and every single point on our credit score is extremely important. My credit report has some derogatory information that is not true. When I attempted to correct the information I was told by Kimberly that "they are not credit experts". Well no kidding! You cannot make up this level of broken don't give a **. And Kimberly was not able to tell me what makes up my credit rating and why there are derogatory marks. She did succeed in making me very upset. What a waste. All of us are being treated the exact same way by someone purportedly 'in charge' and have enormous impact on our financial health.

This company is horrible!!! As most government businesses are! Applied for one loan and my score goes down by 30 points?!?? But Barely inches up when you do everything right!!! What an unfair system! I pay all my bills on time, nothing in collections, but apply for one little thing and you’re back to square one!! So frickin angry! One more thing the government is doing to make sure you can’t get ahead!! We need a real legit company to help us little non-rich people!!!

I don't know what it is or why TransUnion has done this in the past few months considering they were always the company who seemed to have updated information first.. Now they just drop your score by 30 to 50pts and they don't update your new payments made on purpose to make life more difficult on people.

Paid monthly premium, showed score of almost 50 points less of another company, tried several times to update, would freeze. Finally after trying several days, finally updated only 14 points. I don't trust this company.

The only reason I use TransUnion is to lift a Credit Freeze. For last 5 years when I login to their site to simply put a lift on my Credit Freeze the site says the following. This is the same message that they've been giving me for 5 years!!! Then I have to call and use their old horrible automated phone system. What a completely out of date company that doesn't care about their users and customers.

I Wanted to find out how to unfreeze my credit and when I called the answer machine was in Spanish only, I selected 1 for English and called 3 times and it came in Spanish. Now 3 hours later I finally got someone on the phone in English. She was Hispanic and I told her about it and she laughed and laughed. I am so sick of those people, that attitude is disgusting. They come here and all they can do is scream "se halbla Español". Because they are too stupid and ignorant to learn English. I learned English before I came to this country from Europa, not from Spain, but the Hispanic here don't know where Spain is in Europa, they have no education. This is the United States of America. Not a Hispanic country.

Just like a lot of other things, we have no real control over who gets to report on our credit worthiness, or how they report it, but TransUnion is by far the worst of the 3. At least Experian and Equifax are consistent, and do not work on extremes. My credit score DROPPED 49 points because the balance on one of my credit cards dropped from $246 to $0. I cannot believe lenders actually trust the information coming from them. Again, TransUnion is **.

0 star. I don't know how they mixed my credit information with my sister's! I contacted them to close the credit account that belongs to my sister, and they proceeded to close ALL my accounts which made my credit score drop by almost 100 points! It is also hard to get hold of someone through the phone, and the customer service can hardly speak English. I am worried the mistake might not be fixed as it is hard to communicate with them. They want me to MAIL them a cover letter and write down the issue on top because they can not handle issues by phone and online—terrible, terrible company. I can't believe how other parties can use the credit report from TransUnion as the credit source.

This credit bureau is used by mostly everyone and has ruined more peoples credit score than all the other ones. They have listed inaccuracies on my report repeatedly. They have listed 2 accounts closed that I’m still paying on. Capital One Auto; Fingerhut.

I would give ZERO, if I could. I called CreditUnion customer service today after I saw that my credit score went down 35 points with no change to my report since 4 days ago, or since a month ago - except less balance on my credit cards and increased credit limits, which should do the opposite and give me a better score. The customer service agent hardly spoke English, which I could deal with, if he then understood that 6 is a bigger number than 4. Regardless of what I said, he continued going back 5 months when I took a loan, which added to my debt.

I was force to give a star rating. I would give a zero star but to do the review I had to. This credit bureau should be a good bureau for consumers' credit but unfortunately the people that are running it lack of knowledge on how to clear and increase the credit score compare to the other 2 bureaus. I have been disputing with them a collection charge for $59 from spectrum where spectrum has agreed that it was a mistake. I have been in talks with the Credit management collection where they have been more than helpful requesting this error to be removed from my credit report. They have submitted electronically request to have it removed since October 2021 but they still won’t. The collection agency has provided me with an AUD # and still can’t. The csr I have spoken to have no idea what an AUD # is .

TransUnion is a profitable company. HIRE CUSTOMER SERVICE PEOPLE!

My Credit report shows credit card balances that changed consistently since more than 30 days. My Fico changes accordingly, Transunion doesn’t. Therefore their reports and scores are unreliable and misleading.

I have a credit freeze on all the 3 credit bureaus. Trans Union violated my consumer rights and did various credit checks and hard hit without my knowledge or permission. I have reported them to government agencies. This company has a breach and cannot be trusted. I reported them to a government agency and their reply was asking for personal information sent to them trying to avoid their breach of confidentiality. I would not give them my personal information after you violated my security freeze. This company should be sued and shut down. Your personal credit is not safe with this company even with a freeze.

I signed up the other day for an Experian credit report for about $25. They gave me a full, detailed report I could download and scores from the two other credit bureaus. For the same amount I purchased a report from TransUnion. They gave me a brief summary with ads - no full report, no download or print capability, no comparison scores from other bureaus. To get the full report I had to talk to a supervisor in their support call center. She had me create yet another account on service.transunion.com. There I could print the full report but with no credit score! That would cost more money! Furthermore - TransUnion's information was 3 years old, while Experian's was up to date. TU's score was also 100 points less than Experian. I found out that TU uses the Vantage 3.0 model while Experian uses FICO 8.

This company still operates under the belief that withholding information from consumers is perfectly acceptable. There's no way for me to actually know whether or not I was getting anywhere with them. For all I know they were tossing me around the office to a different operator instead of moving me up to speak to management because every new person I spoke to gave me the EXACT same information. And they were very smug about wanting to help. There was zero empathy in their voices and I felt like they really didn't care about helping.

My score dropped 48 points for no reason. Transunion Score is now 70 points lower than Experian and Equifax, with the same reported information to all three bureaus. Transunion has failed to provide a reasonable explanation to why this is the case, other than it’s their “proprietary scoring model” that is causing the difference.

Trans Union LLC accepted fake claims from Kingston company without any verification. They do not like to verify anything and they are working against customers - no intention to solve any problems to verify any numbers.

On the TransUnion website, they indicate that we can request our free Credit Disclosure. I completed all the questions and entered the "code" they sent me to confirm my email. When I submitted the request, a message pops on screen indicating that the offer is no longer available. The cost is $19.95 per month to obtain the credit disclosure. I closed the website without going any further. They trick you into entering all your personal information and have no intentions of providing the credit disclosure online for free as advertised.

TransUnion scores are not correct. I have called them, asked them to fix it, called them again, non stop calling them for a week and they have not fixed my credit scores. I'm not happy with their reporting! The other credit bureaus are correct. I cannot get TransUnion to fix anything. I give them a bad rating and I'm going to report them to the Better Business Bureau too.

I called twice to ask for assistance; neither of them were willing to do so and they were quite condescending and demeaning; rude is an understatement. The first one told me to download the report, and I did - which I didn't need to because clearly I already had, as I was inquiring about a certain update I received via email. The site says if you have any questions, call our customer service for further assistance.. So I did... The only problem is that they wanted nothing but to send me on-my-way.

The government needs to shut TU down. I'm serious. I can't fathom how any company that every American is FORCED to do business with is legally allowed to operate the way they do. My score fluctuates by about 100 points at any given time, for no apparent reason. I have no debt, no collections, no inquiries, no defaults, no nothing that could negatively impact my score, just one card in my name. I am very financially responsible, I don't get myself into debt and I pay my bills on time. I paid off that card's balance last month- didn't CLOSE it mind you, just *paid* it- and TU dropped my score 97 points. I immediately called them because surely this must be some sort of error. Surely they can't possibly punish people for simply paying their bills... right?

In 2021, as per my TransUnion Credit Report I Have CIBC Credit CARD, But I never ever had any Credit Card from CIBC. I never ever dealt with CIBC for banking or credit cards. When I reported and raised Investigation, TransUnion in Burlington, Ontario told me that they investigated and TransUnion investigation is correct, and they will not remove from my credit history. In 2022 Transunion still kept CIBC credit card in my report. Again requested to investigate and again same reply from TransUnion that their investigation is correct. It means I am telling them lie, they think I am stupid. TransUnion told me to contact to CIBC, when I don't have any contact with CIBC, who will talk to me.

I have not failed to make payments on time, yet they keep dropping my credit score 30 points or more without justification. At one time my score was more than 830 and I have kept my commitments to make payments on time.

They do nothing about anything. My credit rating with them is almost 100 points less than Equifax and Experian. I dispute and dispute. They have accts on my report from 10 years ago. Accounts that were paid but kept on as negative. I call. I write them. Been going on for 4 years now. Please shut them down. I gave 1 star because there was no minus stars. Put me down as -zero stars. They are worst company in our country. Why haven't the feds shut them down. Destroying people's lives. Lazy lazy company.

I have tried at the least 6 times to remove names and addresses that have accounts that are not mine (not even spelled as mine) then they give me some mess about answering a series of questions if I pass they remove the items if I don’t they remain, “where they do that at, Who does that”… All questions answered cause I did not know any of the states, locations or names; they said I didn’t answer correctly…OMG!!! Then they locked me out my account and say I have to reactivate but paying 24.95 and then they charge me TWICE, still haven’t gotten my money back and can’t get in my account.

I agree with another reviewer as to the opinion that this agency should be shut down. They hire highly unqualified people to handle highly sensitive information. I pulled Transunion report for the first time in years and found 23 derogatory items from the same company that I had previously disputed with Equifax because I have no idea who this company is, what it is for, when the bill was incurred and evidently neither did they because Equifax immediately had it removed. I set up a Transunion customer account but it would not allow me to dispute it online and said I had to call.

Transunion is MOST UNRELIABLE for your true credit scores! They have fluctuated my score by exactly '99' points both UP and DOWN for the past year now! I have made no major purchases in the past year. NO credit checks. I have no delinquencies, never late payments, and have done nothing different in this past year to either raise or lower my score! Every month I have the same expenses and income. Yet, every month my score changes by exactly 99 points! March 2021, it went down 99 pts, then in April 2021 up 99 pts. In May, down 99 pts, June up 99 pts, July down 99 pts...and so on, and has continued in this pattern until present. It is a HUGE INJUSTICE to the public, that so many companies rely on Transunion for accuracy!!

This is the worst company I have ever used. It is a shame that they are used by so many important companies (auto dealers, mortgages, anything involving money). We have spent TWO DAYS trying to correct a longon situation to purchase a home! Each time they call back, each time a different rep and they ask the same extremely personal information (SS, BD, etc.) OR, they say they will call back and do not. The reps cannot speak English and get upset that you keep asking them to repeat what they asked. All this private personal information is kept in a different country? How stupid of the US to use a company such as TransUnion.

I paid for the monthly credit watch for over 2 years... 26 times. When they finally indicated that there was a change to my credit report and that I should login to see it. The website wouldn't allow me to do so. I had to log out change my password and then try again. Which had no effect. I called customer support, we changed the password again. The same thing resulted. At this point I was instructed that we would have to cancel, and then I would have sign up again fresh. To refresh my account. What a ridiculous concept!

I had 6 collections showing on my Equifax and Experian, 4 showing on Transunion. I paid all collections. A week later Transunion updated the report adding the 2 collections that weren't on there and showed them as being owed still. I am very angry over the fact that now my Transunion score will go down due to adding 2 new accounts that are paid off. Transunion should not be allowed to do business.

Made a mistake when logging in that led to my having a near an hour back and forth with tech support reps that could barely speak English. Both sounding as irritated as I was becoming. Every time I have froze and/or unfrozen our credit it is so frustrating with Transunion compared to Experian and Equifax websites.

This website is not helpful at all! I tried it once just to get my *FREE* credit score and now all of a sudden they’re taking $25 out of my account each month and when I try to cancel whatever happened it won’t let me!

I was refused car finance due to information on my TransUnion credit file. I raised a dispute on two occasions as the information was incorrect. Their actions have cost me more than £3000 and affected my health. The company which said I was in default have now admitted their error. TransUnion although stated that they have fully investigated the matter and the information is correct. I have reported them to the ICO.

My TransUnion credit score dropped 28 points overnight after a mortgage credit score inquiry. This is four times more points than is usual. Nothing else had changed on my accounts. There are no delinquencies and I am in good standing. They could not tell me why, and even tried to "shame" me over some old (Covid) late payments, when this was totally irrelevant. Experian, however was totally transparent, discussed my scores in detail and was equally surprised at this tremendous drop on the Transunion report. I have closed my account and switched to Experian for my future reports. Transunion cannot be trusted.

I recently checked my credit score through my banking app (Scotiabank) and found my credit score had dropped more than 50 points. I called the bank and they directed me to TransUnion as it is TransUnion that provides the credit score accessibility through the Scotia app. I called TransUnion and there was no option to speak to a real person, just a redirect to the website chatbot. The website chatbot eventually spat out a 'hidden menu option' that wasn't in the automated phone system - press 2 on the main menu to access the Credit Disclosure menu. I called again and spoke to a real person, who directed me to their website to download my Credit Disclosure report for free. However, on the website, it requested credit card information to sign up as a member to access the Disclosure.

I signed up TransUnion because I saw a 75% off promotion for the first month and I want to know my credit scores before applying for a car loan, but during the payment process there was no confirmation on how much I was paying, and I realized that I was charged for the full amount, but they refused to refund me the difference. I subscribed Equifax who offers the first month for free at the same time and found that Equifax is much more up to date on any credit changes. I would NOT recommend TransUnion to anyone at all!

My car has been paid off since Aug 31st and Transunion was notified plus a late payment was taken off and I've been fighting with them to take it off Equifax is up to date and I lost a loan on a brand new vehicle because of them. They do not care about the consumer. They do not correct their mistakes

Isn't it great how a company knows how much they hold your livelihood in the palm of your hand treats you? The fact that they haven't claimed this account should be a view into how they treat the peasants such as ourselves, aka consumers. -Erroneously changing my credit score with no rhyme no reason. Maybe because I work myself to the bone to make sure I have great credit, they don't like that. Let's make her fall behind and make her seemingly irresponsible for no good reason at all! YAY! -Charging sick fees to not only view your score, but trick the consumer in getting a 3 score report only to find out you have to pay MORE, once you've paid already. Fantastic! -Constant, constant "system maintenance" on my account. YIPPEE!

Score very SLOW to improve with significant improvements to credit file. Yes, the significantly lowered balances, payoffs, all positive updates are listed on the report. SCORE VERY QUICKLY DROPS BY DOUBLE DIGITS WITH BALANCE INCREASES! UNFORTUNATELY many lenders and credit card issuers rely heavily on Transunion’s pathetically unreal scoring. Transunion is truly bad for the lending business and consumers. My scores from all other sources and my FICO score always average 50 plus points higher than Transunion. Unfortunately Transunion does not have to worry with being held accountable to consumers. We have no control. Truly pathetic in every way.

Do not pay 29.95 plus tax for a credit report!. All you get is the summary you already saw before you made the purchase. You are lead to believe that you're getting a full report from the 3 credit report agencies but all you get is a TransUnion summary and as you are trying to find the report, below the summary report it says get your updated report from the 3 bureaus so you think that's your report but they want you to pay another 29.95 for an "updated summary". Another thing, you think you're getting a free trial but if you don't remember getting one in the past because it was under a different email, they do not let you know that up front, they do not link ss# and personal info. Only emails. So that was another 24.95 that I didn't get back after canceling my subscription. Even Credit Karma will tell you, you already have an account if you sign up with a different email in the past.

I got on the TransUnion website to access my free credit report. But because of their deceptive website, I ended up signing up for a subscription that costs $25 a month without realizing it. Nowhere on the page did it say anything about a charge. I thought I was just creating a free account in order to see my credit report. BEWARE when using Transunion!

The TransUnion Company now is not the same. It's really sad to people who are trying to live up to the standards of maintaining a good credit score. I have been a victim of dramatically reducing my score...just because they can..even while all my bills are paid and are not behind.. they give the other creditors False information saying I'm late on payments or TransUnion will state. The people I have accounts with haven't updated their payment history.

I checked my credit report with the other two credit reporting companies without issue. TransUnion is very careful to hide the fact that you are actually signing up to pay for a monthly $24.95 fee, when all you think you're doing is setting up a simple account to check your credit report. I cancelled within minutes, but I was stuck with the $24.95 payment. Don't fall for it. The other two credit report companies provide the info for free. You don't need TransUnion.

All I wanted to do was to check my credit score on TransUnion, but their website is so poorly designed. It's meant to confuse you once you log on. I inadvertently ended up paying for a monthly credit monitoring subscription and was charged $26.83. I had to call customer service to cancel. I've had NO issues with Experian or Equifax.

TransUnion is one of the toughest companies to deal with. The credit rating is almost always lower than the other two CRA's. In addition they lag behind the other two CRA's in the most up to date balances. Not sure why this is. Currently, the other two CRA's are reporting low balances on my CC's and Loans, while TransUnion hasn't updated any of these in two months. This has a huge impact on my credit score. I am 40 points lower with TransUnion than I am with the other two companies. They say they update immediately as soon as they get the electronic information from the creditors. If that statement is true, something is really wrong with the TransUnion database and or they are losing data. This company should be bumped to the lower end of reliability in reporting.

First, the customer service agent could barely speak recognizable English. Makes for a horrible customer service experience. Second, they couldn't explain why my credit score went down 20 points in 1 month. They are the company that takes into account all the information on my credit file and assigns an objective numerical value that represents the risk of granting me credit. They provide the information to create this score, but they cannot explain why it went down? Train your customer service agents. These scores affect people's lives. All I want to know is what caused the decrease and how I can fix it moving forward. They should be able to tell me this, unless the number is something that's just made up make-believe, which now I'm thinking it is.

The quality of Transunion customer support is the worst I have encountered. I fear every time I need to interact with this company. Automation functions poorly, no human interaction, website fails to confirm my information. Submitting a request to unlock my account always gives an error message or message that this request cannot be completed at this time. Calling on the phone leads to dead ends where the automation says it can’t help and then it fails to put you in touch with a representative. The company shows no interest in customer satisfaction. This company is impossible to work with however the other credit monitoring agencies perform well.

Very unprofessional in response to any inquiry. Very long waiting time, HR doesn't have access to most of the stuff and will provide another telephone number to call back. No manager available to talk. Info changed on my profile but they have no idea how. Very unsatisfactory and unprofessional service.

Thieves, this is a scam and continues to steal shamelessly, they take the information to get money from you for something that they never did and also without the consent of one. $20.75 in my case. I report to my bank and report it to consumer and affairs.

Great. Should have protection in case somebody does try to steal your identity. That happens there they will protect you and will prosecute the person who ever did it. It happened to me and know I have protection.

Each time I call TransUnion to cancel my free credit report before the seven days is up the phone goes dead. I need to cancel by July 30 2021. Please help!! I've called several telephone each time either it's real long wait, three times I got a person on the other end but as soon as I say I want to cancel free membership the phone goes dead, in the mean time I will keep calling TransUnion.

I called TU to cancel the service one for $19.95 and the other for $24.95. The first customer service agent could not do it so he escalated to Larry Employee. #**. He was extremely unpleasant and got much more unpleasant when I told him I could not check my TU credit report with **. He answer was "I can only wait 2 minutes on line" but it was the way in which he said it. He said he would escalate it and I had to wait until it was fixed. I've spoken to others who also cannot receive a free credit report because there is a problem with TU? Um...maybe this forces consumers to pay for their service?

I have used Transunion for many years and have had no issues with it until this past 6 months. I have an item on my report that is incorrect. I have used the “Dispute” feature and it has not corrected the issue. I have tried this 2 different times and they still have not corrected this problem. Due to this fact this is why I gave the rating.

Basic credit reporting should be easy, factual and provided as a service to both sides of any consumer transaction. But TransUnion stands out to us as an unreliable and irresponsible partner. They state a 'credit history' of less than 2 years on our bank account's 'credit service' statement. And that statement dings our score by a huge amount. When written to, questioned, and shown evidence that the statement is laughably incorrect, to the degree that 3 other credit report companies state our credit history as 17 years +, TransUnion replied they couldn't understand our complaint and so can't take any action. Clearly they simply want to avoid being labelled as unreliable and incorrect as they might lose the earnings they get from the financial institutions that contract with them. But they are paid to provide accurate information!

When the credit rating changes the reason does not seem to match the increase or decrease. The overall credit rating does seem to remain constant but the company sure makes a big deal.

I think they should add a checklist for subscribe fee amount free to add on. Will give us a better choice to protect themselfs, also the amount of protection should be more in line with their credit limits and income or better raising or lower protection coverages as with the amount of premium add on to give consumers a better and firm choice in matters. It will also increasingly add to your revenue and bring down cancel of subscription. Also adding to check list all credit freze, lock, to all and for all.

Being 79 years old, I try to check my cards 1-2 times a month, due to so many people in society attempting to find a loophole in my protection to remove information from my accounts. I have been "hacked" partially once and received many, too many phone calls over the last 2 years, from people trying to get me to give them info that will give them access to my personal info. I trust the help given when I open the protective aspects on our connected credit sites.

I've maintained an account with TransUnion for many years (along with the other two credit reporting agencies) for purposes of maintaining a credit freeze on my account. Today I logged on to do a temporary lift, a routine process. During login, 2FA sent a code to my e-mail, but I delayed in getting back to the web to enter the code. Due to the delay (I presume), it "temporarily suspended my account". I called to resolve, and after talking to several reps, including a supervisor, was forced to just give up without resolution. They insisted that I didn't have an account, despite that "my account was suspended". The supervisor was impatient, rude, and condescending. I am not sure if TransUnion outsources support, but I can be sure that the organization does not value customer experience. Zero stars.

I hold an excellent credit score. I had a loan from Toyota Financial Services. Never missed a payment and always paid on time. Decided to pay off loan early so as not to accrue additional interest payments. Checked my credit score with TransUnion after finalizing said loan and it was reduced by 10 points. Was informed that it was due to the fact I had a closed Toyota account on file. I explained to them the account was closed by Toyota because the loan was satisfied. They informed me they still view it as a closed account and legally they can reduce my credit score.

Updated on 07/19/2021: I have made dozens of requests for my credit report since January 2021, which TransUnion ignores and refuses to send me my credit report. I have made the requests in writing, on my TransUnion account online, and on annualcreditreport.com. After multiple refusals, I contacted TransUnion by phone and was told that because I have a security freeze on my credit report, they are NOT ABLE to release my credit report online.

I had a workers compensation claim that didn't get paid by my employer get reported to all 3 credit bureaus. My employer settled the mistake with the collection agency and the collection agency asked for it to removed from my credit report. It was removed from all 3 credit bureaus reports. My score went back up on other 2 reports but not on Transunion. I used online chat to get a better understanding of why. I was basically told that was not how they operate and that just because my score went down 25 points when it was reported it doesn't mean that removing it will help my score at all. I don't understand the policy or the rudeness.

I cannot login, says account is suspended! I know my user name and password. It has me submit a request (online form) specifically for that and no one gets back to me. Site states long wait times for phone, so how the hell can I unfreeze my credit? I needed it done days ago! Worthless and seems extremely unfair they report so different than other bureaus.

I thought I was signing up for a free credit report only to receive an email saying I was charged $19.95. Checking the fine print on the website shows that this was a subscription and I'd be charged every month to monitor my credit reports. The website has no way to cancel or delete credit card information. I waited online 30 minutes to try to get my subscription canceled. Only time will tell if the cancelation worked. I'm not optimistic at this stage. Avoid TransUnion. There are much better options out there.

When logging onto TransUnion I thought my credit card info was only for identity verification but they charged me $24.95/month for their service. Which I did not agree to or know I was ordering! Their customer support is foreign based, I believe India, where most scams and identity fraud occur. So, to request a refund you have to call them and give them your social security number which I felt was a huge conflict of interest and very uncomfortable process. I did not give them my social and instead referred to the order number. I do not trust transunion after this experience and recommend not to use them.

I have been trying to keep up with my credit score and recently I checked my score with Transunion and they haven't reported any of my two auto loans (payments) since November 2019. I put in a dispute as we actually paid off these two loans over 55,000.00. I get a email saying our two accounts have been closed but it didn't affect our credit score. This is wrong. My credit score should of shot thru the roof. But they won't do anything about it. SO MY WORDS ARE, DO NOT RELY ON THESE COMPANIES AS THEY ARE SLOW AND INCOMPETENT AND DON'T CARE ABOUT YOUR CREDIT SCORE. I am so done with the companies who try to control your life over a score.

I received an email from Transunion about a hack of my credit report. I clicked to receive information about the hack. I was then given a sales pitch to pay for a service offered by Transunion. The hack did not occur. It was used to warn about possible hacks. Transunion used information they have for my credit report to solicit business and scare me into buying Transunion’s service. Very misleading and dishonest.

I religiously check my credit and activity with TransUnion. I also get a report of activity going on. I have never gotten a message stating something suspicious is going on with my credit. My credit score from October 2020 was 750 or so and jumped to 807 and lasted about 3 weeks or so. After that period of time, my score has gone back down to the the 750s.

I ordered a Credit Report through Transunion and thought it was a one time service, but I noticed that they have been continuing to bill me FOR MONTHS for credit monitoring when I NEVER SIGNED UP FOR THAT. Do not use them for a Credit Report unless you want to be billed for months afterwards.

Of all 3 credit bureaus, this is definitely the worst on reporting and website. No matter how many times I set up my username and password, the site tells me it's wrong at least 8 out of 10 attempts and doesn't give any information without making you pay for additional services. I'm recently a victim of identity theft and I can't even get on the site to submit a fraud alert. It was done in minutes on Equifax.com and Experian.com but this site is unnecessarily difficult. I also refuse to give them my card information anymore because I was charged once for a service I didn't want after a very unclear set of instructions and they wouldn't refund my money. Not worth the trouble and my credit score is always way off. I really don't see the point of having this 3rd one when it's generally useless and way frustrating.

I did NOT order ANYTHING from Transunion. I thought you needed a card just to open the app. I began entering my information to set up the app with zero charges listed on the page. Then a twenty something dollar charge appeared. As soon as I saw an amount listed other than zero I backed out of the app. The next day I received an email from TransUnion saying my bank was charged. I called my bank and advised them that it was a fraudulent charge. They said that I would need to cancel my card which I did.

After closing two card accounts for the reason of financial restructuring, Transunion pulled 39 points from my excellent credit score. Equifax did not....at all. I find this practice unreasonable and it does not reflect the true picture of a person's credit worth. It punishes those who wish to consolidate their finances. Apparently you wont get dinged if you put yourself at risk or don't play THEIR game. Never been late with a payment of any kind. I thought I had proven my personal responsibility after years of holding credit cards and not once being late or carrying any balance into next month. And someone on Wall Street thinks this makes sense.... Nuff said.

I contacted with TransUnion because my score slowly going down from 823 to 755. Contacted to customer, but service did not explain why and refused to discuss reason. Received information that module calculate score and many different factors connected with score. If I want to get script paper just paid $9.99. I tried to understand reason, if all payment paid at time, never was late or unpaid bill, what reason to drop score. Unfortunately did not get answer.

This so called Credit Bureau is a total FRAUD, their website is 99% of the time shows this message "Online Identity Verification System Temporarily Unavailable" and the buttons to refresh the credit score are disabled but those allowing to order a paid version of the credit score are working... which is done on purpose to scam the poor people... Their phone service is awful and all is setup to get people pay for what they are supposed by law should get for free...

I signed up hoping to get a free credit report. They asked for a credit card and, with it being a credit institution, I gave it to them. At no point did they ask for confirmation to put me back $24.95. I realized this only a few days later when I was making a payment for my credit card. I called customer service to find out what was going on and I came back empty-handed. I wasn't able to get in touch with a single human being, only useless answer machines. Go with Equifax or Experian.

My identity was stolen by Cyber Theft so I went on line to create my accounts with the three credit bureaus so I can monitor any unusual transaction. The others bureaus (Equifax and Experian) are very user friendly. Their web sites allowed me to create an account for free without asking for a credit card. They even provided my FREE credit reports without me asking.

This company has very poor customer log in website. It failed to recognize the same GOOD log-in on different PC at my home. I was able to log in in my Android phone but failed to log in at my Desktop PC. When I request to reset my password (forgot password option) I entered my Soc Sec Number and Last Name but the website just go back to the same screen. Very buggy website. Not trustworthy to let them handle your credit data.

Transunion is a pain to deal with. Here is the pains list by theme:

I had my score at 652 after paying off many of my credit credit cards, within one week, my score was at 606, after checking it shows no reasons, called customer service, they don't have a proper explanation, the lady told me that one of the reasons is because I am paying off my cards??? Really, reason two is that I have a hard inquiry but hadn't not opened up any bank account or credit card for some time, paid off my cards, no closed accounts, maybe they deliberately lower credit scores for their own benefits! My score looks so bad with my banks for no reasons and I was told they can't fix it, yet they don't know how it happened, Equifax is far better than the so called Transunion! Horrible, horrible, just lowering scores for no reason, I wish I could sue them.

My experience with Transunion was terrible. Was purchasing a new home, not sure how I signed up for some type of monthly service but I did, unfortunately didn't check monthly credit card bill and was charged monthly fee for months without knowing. Tried to call and cancel and every time I went through 800 # and tried to cancel it hung up on me. Finally figured it out through website. Bottom line watch what you click on in website when you viewing your credit scores, reports.

Out of the blue 2 months ago, my credit rating went from a decent 730 to 670. Only TransUnion was reporting a change. I go to their website and see that some energy company is mistakenly charging me $88. I file a fraud claim, but to do so, I am told I need to spend a ONE TIME charge of $24.99 to get access to credit monitoring services. Nowhere, and I mean nowhere, is it made clear that this will be a MONTHLY subscription.