TransUnion Reviews

I got charged for a membership I was not aware I was being charged for. I believe that is called theft. Oh well, I suppose if you have enough money you can get away with things like these. Just sad to fall into a trap.

I called TransUnion in hopes to chat with someone about how some of their procedures work as I do not understand why my credit is so poor when I have 100% in all count payments, on time and up to date. I've acquired credit and only use a small portion of it, as advised by credit education programs, just to build my credit. I explained this to Candice along with my questions and she did not say a word until I finished explaining my sides of things and then she asked, what do you want me to do for you (in a not very pleasant tone by the way). Clearly, she was not listening.

I visited TransUnion to check me and my wife's credit score, and two months later realized they had been charging me around $21 a month for both me and my wife. Nowhere did it say I would be charged for their "membership." The irony is they should be trying to protect me from fraudulent crap like that. I feel very betrayed.

Nowhere on their signup page does it say they will charge you $24.99. After signing up for what I thought was just a regular account. They charged my credit card $24.99 recurring membership. Total deceptive thieves. Do not use TransUnion. Do not even visit their site.

My wife and I signed up with TransUnion because we were trying to get her credit score and TransUnion did not say it would cost $25. With no trial or anything her card was charged $25 and we called and they said they had a no-refund policy. If I ever do need credit monitoring I will never use them. Beware.

My only interaction on their website was to freeze and unfreeze my credit report following the Equifax hack, and call customer service because their site login doesn’t work (I use a password key manager). Suddenly I started getting billed for monthly subscription services ever since unfreezing. If anyone else is getting signed up for services they didn’t ask for, please report it. There’s BBB, CFPB, and other avenues you can go through. Don’t let Transunion pull a Wells Fargo!

Randomly this month my credit score, on Credit Karma, dropped 35 points. This drop happened only on my TransUnion account. I called their customer service multiple times. I obtained my credit report through TransUnion, all of my accounts were in good standing, there is nothing to dispute and no reason that my score should have dropped.

I am trying to improve my credit just a tad so I can buy a home. I noticed a couple discrepancies on my TransUnion credit report by looking on creditkarma.com. First, I filed a dispute through CreditKarma.com... A month went by and each day I checked the status of the dispute, every day it said "CreditKarma usually submits disputes to TransUnion within 24 hour after submission."

I just got a one year subscription, after a company I deal with had a data and privacy breach. As advised, I registered using the activation code and checked my report... OMG!!! I cannot believe the number of inaccuracies I found in my credit history! How can ANYONE believe ANYTHING this people report?!

Despite my claim for several months, I am still not able to view my credit score through my Royal Bank online banking! TransUnion was not able to solve the problem! When I was given a gift code to view my credit score, to my great surprise, I was assigned an extremely low and disappointing credit score of 701 as opposed to my Equifax credit score of 838! (137 Points Discrepancy!)

I received an unexpected charge for $20, and was unexpectedly signed up for a monthly subscription access when trying to obtain a free credit report. The sign up process was extremely misleading; based on other online reviews, this is a common TransUnion practice and they refuse to refund these inappropriate charges. Be careful when attempting to check your credit report.

Before sharing my experience with TransUnion, I think and hope this ConsumerAffairs website shares the reviews/complaints posted here. The Consumer Affairs Division of the Federal Trade Commission should investigate TransUnion's unethical and potentially fraudulent practices, and the bureau should be regulated. I'm going submit a complaint to the FTC and direct them to this site so they can read for themselves the issues with TransUnion that consumers are experiencing.

In December 2018 there was an unauthorized attempt to open an account with T-Mobile and TransUnion ran a Credit Inquiry on my Credit History. The T-Mobile account was never opened as T-Mobile determined this was an attempted fraud by the unknown individual. For the past six months I have been trying to have this Unauthorized Credit Inquiry removed from my Credit History. I have talked with TransUnion employees by phone, written a number of letters to TransUnion advising of the attempted fraud and requested the Credit Inquiry be removed. T-Mobile has written at least 2 letters to TransUnion advising that the Credit Inquiry was an attempted fraud and requested that the Credit Inquiry be removed from my Credit History.

When I tried to get my FREE credit report they illegally used my information to charge me a monthly fee. I don't know what the monthly service was for. I never used it. I had stopped using the credit card so I was unaware of the charges for 2 years... They owe me $240 or more dollars. I was never given receipts for the charges... or informed of the "automatic annual renewal". There was no screen stating a dollar amount.

I clicked on a link in an email from a trusted source indicating that TransUnion had reported some suspicious account activity under my name. I was taken to the TransUnion Website, which asked several questions to "verify my identity." Since I believed TransUnion to be a legitimate company that collects and reports credit information, it seemed natural that they would ask for a credit card number as part of this verification. There was no indication on the site that I was either purchasing anything or that I was giving consent to have my credit card billed.

I've called a few times and can never seem to get someone who speaks enough English to answer my questions. These people are dealing with credit reports! Please either train your staff or find people that can understand English. I hope this is not the same situation for the people going through the error reports...

This is one of the worst companies ever. Don't bother calling or contacting in general. They ask for literally ALL of your info and make it seem as if they're taking your identity themselves, which I wouldn't be surprised if that's really what they do. I've received letters in the mail claiming someone's taken my identity but they do nothing to resolve it. I've spoken to someone about filing a dispute and they never actually submitted it. Their website is trash, and looks like a scam itself. This is almost one of those situations that are uncontrollable because what can you do? This is your CREDIT, one of the most important things in life but they do anything to sabotage it for money! I do not recommend sharing your credit card info or security number with whoever is on the other end of that phone or email. Consider yourself warned.

After trying to refinance my home I was made aware that unknown to me a block was placed on my credit report for TransUnion when I was a minor. After being transferred 4 times, and having to repeat the same information 4 times I was finally told that the only way to have this resolved was to MAIL a copy of my social security card to TransUnion, then wait 5 days for it to be processed and then another 7 days to be notified again via MAIL that the issue has been resolved. It is completely unsafe to send my social via MAIL as the ONLY way to get this issue resolved. They offered no other solution.

Like several others here, I thought when Transunion asked for my credit card information it was to verify my identity. There is nothing on the page making it clear you are buying a membership. That was bad enough when I got my bank statement and saw the unauthorized charge. I called to ask about it and cancel the membership. When I told the woman what I wanted, she kept trying to tell me how to log onto the site. I know how to log on or else you wouldn't have gotten my credit card information! She was ridiculously pushy and wouldn't discuss cancelling the membership until I finally gave up being nice and got rude with her!

Since 2013, I have been in a power struggle with Transunion trying to obtain my credit report. I have sent countless written requests, provided numerous copies of 'proof of address,' even spoken with a supervisor during May, 2019, and still have yet to receive a copy of my credit report. For all I know, there may be charges on there that I am unaware of because my identity may have been stolen and those fraudulent charges may only be on my Transunion credit report, but I will never know because Transunion won't send me my report. But I can contact a credit counseling company and pay $15 for the privilege of using a middleman to obtain the report just fine. Transunion has no problem with allowing a middleman to obtain said report. It's just when the request comes from the actual individual whose report it is that it delays, obfuscates and otherwise ignores the request.

I went to the TransUnion website to look at my credit report because I had received an email from Credit Karma that TransUnion had info that I needed to look at. In order to do that they required me to fill out personal information first. That included a credit card number and expiration date. Nowhere was there a statement that I could be charged for accessing information pertaining to my credit report. I thought that by filling out the required info I was simply revealing my identity to TransUnion.

I thought I was getting my free credit report and have been being charged 19.95 a month for a service that I never needed nor wanted. Disgusting that they can get away with this! They are shady and obviously have very low ethics.

First like many others I signed up for free with TransUnion to get a free credit score yet the following month my card was charged without my authorization which they ended up correcting. The next is how they blatantly disregard facts when challenging credit errors. Texas OAG Child Support reported 21 missed payments and a higher balance than what was actually there. I challenged the report with documents right from Texas Attorney General's website and uploaded them to TransUnion showing there was never a missed payment. To this day they have not corrected this and ultimately this has impacted my credit score. I have challenged this multiple times to no avail, TransUnion refuses to correct it. Talk about being punished for paying on time just to have your credit ruined by inaccurate reporting and a company who refuses to correct the error when proof in right in their face..

As many others have stated, they misleadingly charged me 25/mo. for "membership". They asked for my credit card number, which I thought was strange, but it is a CREDIT monitoring service after all- so asking for a credit card number isn't that unreasonable. I looked for anything in the body of the page stating that I would be charged, but there was no sign in the body. It turns out it was in the right window (where adds are 100% of the time) and even there it looked like an advertisement to upgrade to paid version, nothing that stated that pressing submit would charge you. I reluctantly submitted to go to "step 2", assuming that I would then be brought to a page with a "cart" or similar if I were being charged, which would summarize my purchase. Instead it just charged my account. The "step 2" doesn't exist in reality. No receipt or confirmation that I paid.

Feb 2019 I checked my credit cards and my credit score. Somehow I got signed up for a 'monitoring service' at $19.95. I didn't need a monitoring service unless it was offered free because TransUnion was hacked and my data was stolen. May 2019 I just learned about this monthly charge to my credit card. TransUnion never notified me when they charged or even notified me that I had this 'Monitoring service". I never received any reports. Bottom line: Be very careful when you are online with TransUnion. The website can be misleading and TransUnion will hide the $19.95 per month fee. They send no emails and no reports. You have to go online to see the report which the customer does not know to do because the customer does not know about the "Service".

I had looked for anything that would say they were going to charge for my credit score. I checked, and thought it was a bit weird they wanted my credit card info but they said it was to better identify who I was. I checked my bank account shortly after and saw they had charged me 28.00 for a credit score? Nevermind the fact they wanted to charge an additional 30.00 to build some profile, or whatever. I live on a very, very tight budget and this has really screwed me. This is horrible business practice. Only scammers tuck these details away.

I saw the TransUnion advertisement says free credit score report. Then I created an account, and the TransUnion charged me $24.95 automatically! The bill information is not clear and hard to notice. This is a fake advertisement and misleading and cheating on customers!

Totally useless. Tried to have something removed that's been on my credit report for over 7 years. It's bad enough that when you call you go to India but they have their own set of rules that they go by and not the ones here in the US.

TransUnion is the most worthless credit reporting agency there is. How is it that both Experian and Equifax contain the most up-to-date and accurate information, yet TransUnion is full of errors, and has a terrible score compared to the other two? In attempting to dispute with TransUnion, their website for disputes never works, which leaves calling a number that gives someone who can barely speak English. I have also sent in certified mail disputes, and even they take nearly the entire 30 days to clear, when the other two CRAs can clear a dispute usually inside 48 hours and update my credit report. They have a shady sales practice, one of my phone calls offered me a free month with their service, yet it never activated and when I asked, I was told they would never provide such an offer. Luckily I never actually paid them for anything, and I never will! They need to be shut down as a CRA or at least heavily investigated and fined.

BEWARE! Do not use this site to check your credit score. To get your "free" credit check there is a charge for a monthly "credit protection" that is not explicit in the site as you're filling in the many forms, but shows up as an automatic withdrawal on your credit card.

They would sign you up for their paid service without explicitly asking you. I found that out only after they charged $24.95 on my credit card. Definitely, it must be somewhere in their fine print, so they should be fine legally. However, based on the reviews here, it looks like these scammers make good money just by imposing the service people don't actually use.

I should read the reviews on here before opening a new account with TransUnion. Highly recommended! These guys are scammers and try to get money, $19.95 for a new account and information you can get for free from your bank. They also post links with a special promotion of 50% or $9.95 which literally doesn't work and they still will charge you a full amount ($19.95). They should give their clients a free trial or offer a free cancelation.

I had always been told I could get one free score from each of the FICO bureaus each year. Maybe I've been mislead, but if I hadn't been mislead with that information, I was certainly mislead when I attempted to check my score with TransUnion. They asked for my credit card info, which I thought maybe they would charge me under $5 or so like Experian does. Nope. I didn't find out I had paid them $24.99 for a monthly credit monitoring subscription. I had never even clicked to sign up for monitoring service. I clicked their giant orange button on their homepage that said "check my credit score."

This so called accurate credit score that these idiots have is so inaccurate. When Disputing it takes over two years and they never come back to you. How can they still be operating? Pathetic. Unresponsive.

I had a vehicle loan with a local credit union and a direct deposit so was never late with a payment. I had a balance of $401 which I paid off, within 2 days, my credit score was reduced 29 points and the reason was because I paid off my loan, (if anything, I would have thought that would be a positive on my score) and by the way another comparable reporting agency lowered my score 27 points. I contacted my credit union and they couldn't understand why and told me to contact the dispute branch of TransUnion.

I would like to start by saying that I was only interested in checking my credit for free. I checked my credit score through TransUnion yesterday and received an email notification that I had started a recurring membership of $24.95 without my knowledge. I think it is only fair that TransUnion make it absolutely clear to the user that it intends to enroll the user in a recurring monthly membership. I am all for the idea of capitalism and charging someone for a service, however I found TransUnion's methods of automatic enrollment very shady and misleading.

I would give 0 stars if available. TRANSUNION does not stand behind their product. I signed up for their service about one hour ago and after trying to file a dispute of an incorrect item on my credit report was having a lot of issues. I phoned to say I was unhappy with the product because it is not user friendly. The representative informed me the monthly fee of $24.95 is nonrefundable. A COMPANY THAT STANDS BEHIND THEIR PRODUCT WOULD OFFER A REFUND. I only signed up an hour earlier today. It is not like I had the service for 29 days and decided to cancel on day 30.

I thought that I was getting a free FICO and that they would hit my CC for $1. It's a monthly service. I did see my FICO, which I can access at Discover, PNC Bank, etc., for free. When I called, I got the run around and no refund of my $26.61(I cancelled the account within 5 minutes). Let me see if I can get my money's worth by complaining to their agents and managers.

I had an offer for one dollar to check my credit. Without thinking I gave our credit card number, the consequences are such that TransUnion gets a 19.95 account each month without my request or approval, I believe legal fraud and lesson for other TransUnion is a next legitimate form of fraud.

This is fraud! They never asked me that they will be charging me for this service and they had access to my credit cards and accounts. They were taking money out of my accounts for a couple of months now. I never check into my transactions on my statements so I never knew that they are doing this to me! This is crazy and a true fraud! Do not trust them!

So I've been arguing back and forth with TransUnion for about three years now regarding my identity and I'm confused, frustrated, and quite frankly annoyed at this point. I have provided the last 10 years worth of previous and current addresses, banking information, creditor information along with sending in letters front and back of my photo ID to remove the fraud alert I put onto my account years ago. All to obtain a copy of my consumer disclosure and oh my lord this has gotten out of hand. First of all... and this is a MAJOR issue here, when we call in and select option 1 for ENGLISH we expect (being a Canadian Citizen) to get someone who can speak ENGLISH. Had I wanted to speak to someone from India, I would have selected the option to speak with someone from India.

I currently have 2 pending charges from TransUnion for a FREE credit score that I requested. The website is not user friendly or CLEAR! about what I was being charged for and was full of ads wanting me to sign up for their membership program. When I called to inquire about these charges the guy was very dismissive and could care less and gave me some garbage excuse that there were two charges but only one would actually go through. If better only be one charge!!! I was somehow signed up for a membership without my knowledge of doing so. Well I have cancelled that but I'm still out almost 30 bucks. So pissed!

One of my credit cards was compromised so I was advised to check in with TransUnion and Equifax. I sent Equifax the form along with two pieces of photocopied identification and heard from them within two weeks. TransUnion did not respond and after a month I phoned them to find out what was going on. First they told me to do it online, but how does that deal with verifying your identification? He put me on hold and when he came back asked questions. After he got some information from me he said the computer generated some questions for me to answer.

Had a very nasty experience. I am a victim of credit card fraud/identity theft. Someone opened accounts with 5 different banking institutions and took out huge loans, all of which I was completely unaware. Went through going to the police, filing a report, providing the report number to all the institutions, letting them do their investigations and then rescinding the negative report from my credit score with Transunion and Equifax. Equifax wasn't really a problem. Transunion on the other hand is a nightmare to deal with. You call them and ask for a credit score, they tell you have to go online and register on their website. I used my credit card to sign up as there is a charge and it asks for my social insurance number. After getting past this it asks you some security questions. The problem is one of the questions asks which banking institution I have a loan with, and looking at the answers I never even heard of these banks before.

My credit card payment history was perfect. Still my credit card application was denied, and I wanted to know about my free credit report. They are very SNEAKY AND SECRETIVE. I signed up for an account on TransUnion's website primarily for the purpose of disputing some inaccurate information on my credit report. After doing this, I browsed around the credit monitoring section of the site, where they give some limited information for free. Somewhere in the sign-up page there must have been a secret box somewhere on the screen I didn't see that said "I want to be charged $20 a month for no reason" that I needed to untick because I was charged $20 per month without realising it.

Non-sense/false records on my history and very slow dispute process. I had a false record in my history and took them two weeks to call the court and another week to remove it. It seems like they were trying to stretch it out and maybe if they were not forced by the law to complete the process within 30...they would have took months to do a simple process.

I signed up for an account on TransUnion's website primarily for the purpose of disputing some inaccurate information on my credit report. After doing this, I browsed around the credit monitoring section of the site, where they give some limited information for free and urge you to pay a monthly subscription for their enhanced credit monitoring. I decided this was not a product I wanted, and so left the site and decided to check back later for an updated status on my dispute.

I needed a credit report in order to rent my place, so I signed up with Transunion for a free credit report. Somewhere in the sign up page there must have been a secret box somewhere on the screen I didn't see that said "I want to be charged $20 a month for no reason" that I needed to untick because I was charged $20 per month without realising it for 6 months. I imagine they hired a web designer who put "good at tricking people" on his resume to make their sign up page. Needless to say I decided to close my account with them, but there was no way to do it online. I'm serious, search "close TransUnion account" and you'll find an arms race of video tutorials on closing your account and more and more arcane account closing procedures to counter the videos.

Horrible & inaccurate. All calls go to Middle East! Not giving my Soc Number to anyone outside of the USA. TransUnion is always 100 points lower than the other reporting agencies. Should be shut down.

TransUnion credit reporting is neither factual or fair to the customer they are reporting on themselves... I have disputed an item that is not mine that was put in collections by AR Resources in 2017. They have no information (evidence) stating it's my bill or my signature but they are tell TransUnion because my address and social security number match it is mine and is accurate. However, TransUnion will NOT take down and will not go after "said" proof from the creditor, whom they work with daily, take for face value.

I went through annualcreditreport.com and chose TransUnion from a list of 3 options to obtain my report, which should be free if you get it once a year. It might *technically* be "free" because it's included as part of a credit monitoring service membership, but that membership costs $24.95 a month. This was NOT clear. When they ask for your credit card information, they even explicitly say that it's for identity confirmation purposes. This is even stated on their FAQ page (link below). Nothing about registering for a membership. Even after I gave my card information, I didn't receive any purchase confirmation page or email. There was absolutely no indication that I bought something.

Was trying to freeze my credit file online when I apparently answered one of the verification questions wrong. Well the only way it could have been wrong is if they have it wrong. Went through the same process with the phone number they gave me to talk with a live person with the same results. Now I can't get online access to my account at all. These people are the worse.

I tried logging on to all credit reporting agencies to see if my credit was still frozen after identity theft 8 months ago. My login for TransUnion didn't work so I created a new account, there was a field to enter credit card info (red flag) and I thought that would be in the case that I wanted to purchase something in the future. Immediately got an email in my inbox about my "order details" and showed a credit card charge of $19.95. This was not my intent when I created my account, and they did not make it clear that you were purchasing something upon account creation. SO SKETCHY and DECEPTIVE!

I have tried to get an item removed multi times and they keep saying it's accurate. I Have sent multi letters and called. They basically say they will do what they want and not follow FCRA rules. They need to be filed on and prosecuted at this point for not following rules.

Same with everyone, I thought I registered for free credit report but I was surprised to see hidden costs like 29$. Just requesting refund now. My purpose for having credit card is to save money. It feels really bad.

I got to TransUnion via a website for annual free credit report. I answered various questions to confirm identity, and then it asked for a credit card. It did NOT present it as being for a charge, it seemed like part of the verification process (just as others have said). I just happened to check my credit card later in the day (unrelated) and was shocked to see a charge for $24.95! I was really confused because I initially didn't even remember giving my credit card information, until I read another review and was reminded of entering it as part of what I thought was the verification process. SUPER SHADY.

I signed up for a free credit report. Gave all my personal information. They provided everything up to the very last bit of actual information needed to complete my free credit report. I'm committed this far and already put so much information, might as well. I create an account, fill in the information, provide an email address, the usual. It then asks for my credit card. No notice of any charges. No confirmation, checkout, or other information. I figure this is for confirming my account information on registration or expediting credit reports.

Signed up for a free annual credit report and ended up being charged without my knowing $19.95 per month. Was billed twice before I realized it! HOW IS THIS LEGAL? I am disputing the charges with my bank now but this is such an unnecessary hassle. I received NO EMAILS or CONFIRMATIONS about being charged $19.95 per month. THIS COMPANY IS SKETCHY. Literally scum of the Earth. I am always super careful about what I click on and sign up for and they literally added me to something I did not opt in for.

I went on the TransUnion website to find out what my credit score was. On the homepage there was no indication that you had to pay to see your credit score except for very very small print that stated you had to pay $24.95 plus tax. I did not see that since the print was so small. So I thought it was free and continued to create an account. On the create an account page there still was no obvious indication of having to pay except for small print on the side of the screen that, to me, looked like an ad.

They sleaze you into having to sign up for 7-day trial, apparently. I don't remember doing that -- that's how subvert it is. Then, there are "0" follow-up emails that tell you that you are a paying, subscribed member. They do send some very basic credit update information, but nothing that could not have been gotten for free. Then, months down the road, you're going over your bank account, and you find out this sleaze has been pulling $19.95/mo out of your account.

My mortgage company recently sold my mortgage to another lender. My credit score was consistently in the mid-700s with 100% on-time payments and all accounts current. When I checked my credit score after the mortgage was transferred, it had dropped by over 50 points and my mortgage account had been marked as Closed. (A Google search indicated that people's scores had dropped 100 points or more when their mortgages were sold or transferred.) I contacted TransUnion and they indicated that this was procedural and that my score would go up after the new company reported on-time payments. What if a credit holder applies for credit and is denied because of this practice? I would like to know why a company can drop a score when a change is made through no fault of the credit holder and have filed a formal complaint against TransUnion with the New York State Attorney General's office.

I notice a $19.95 charge on my bank statement. Knowing I had not signed up for anything, called my bank, said it was a fraudulent charge. They made me change my card & thought it was the end of that. But then a month later, to my shock...there was ANOTHER charge of $19.95. So, I called TransUnion, spoke to someone. He said there was nothing he could do... I said, "How is it you got my new info..." He said I gave it to them. The scary thing is...I never gave them any info to begin with. I had told him that & then I threaten that I will call my lawyer, the Better Business Bureau, the FBI, & the my bank. He then changed his tune, canceled my supposed subscription & said I should see the refund within 2 - 5 business days. I told him I had better see that refund, or there will be hell to pay!!! I immediately got a email saying my subscription has ended. NOW will keep a sharp eye out for that refund!! Trickery & deceitful. That is what TransUnion is ALL about!!!

Through annualcreditreport.com I requested my three credit reports. This is free once a year. This time I thought I would like to get my TransUnion credit score as well. Inadvertently unknowingly I was signed up for credit monitoring. It was $16.95 monthly. Unfortunately I didn't discover the monthly charges coming out until 5 months down the road. I called. Explained the situation. Requested a refund. They refused. After some insistence they said it was against their policy but they would give me one month refund. I suggested that they split it with me... It was five months I paid for, could they give me 2. They couldn't. Upon further questioning she informed me that I had earned another credit report update.

I was on my app, Credit Karma on December 28th. Today, Jan 5th, I notice a $19.95 charge on my bank statement. Knowing I had not signed up for anything, I called TransUnion, spoke to Sebastian. I explained that I must have inadvertently touched a wrong key while on CK, I requested a refund. He went on with a sales pitch and refused to refund my $. Apparently whatever key I touched, in error, signed me up for credit monitoring. They charge you one dollar & if you don’t cancel within 7 days, they sign you up. I was two days beyond this period when I noticed the charge on my bank statement. TWO DAYS beyond their “trial period”. What a joke! I will take this up with Credit Karma as well.

There is NO shopping card saying that you saying that your service is actually $19.95 a month. All I thought I was clicking somewhere to file a dispute on my credit report and somehow I agreed to a monthly service of $19.95/month. Any company that uses trickery to scam money from its customers should be reported to the FEDS.

"SmartMove will disclose the contents of a criminal and/or credit report retained by SmartMove to an individual who requests a copy of their report. To verify your identity and obtain a copy of your report(s) or dispute any information within that report, please contact customer service at 866-775-0961." This is what it says on their website. When I call they have me verify name, DOB, address, safety passcodes, spouse’s information and tell me that was their security process to tell me further instructions. That I have to write an email including personal information, copy of gov't ID, and that they will send back the copy in 1 to 30 days.

They give me a credit score of 655. Experian is 719. Equifax is 736. TransUnion is ripping people off on their credit scores. They need to be investigated for it. Have no clue why there is such a large difference in credit scoring.

If you go to the TransUnion website, there is an offer to check your credit score. When you check it, you are "agreeing" to a monitoring service costing you $19.95 every month. They are not giving you a credit score, they are signing you up for their service. It's in tiny print at the bottom of the page that you are enrolling: the large colorful print that you actually read says you are requesting a credit score. Credit scores are free - this is a scam. We've spent all morning trying to no avail to get this refunded.

I pay TransUnion a fee every month so that I can monitor my credit information. For at least the last month I get an error: "We are temporarily unable to complete your request. Looks like we are experiencing a problem." Yeah... You have a problem! I called customer service and it was so frustrating... They kept asking the same questions, having me do the same things over and over. "Clear your cache/history", "Try a different browser", "Go to this menu." Nothing worked! It's getting scary!!! THIS IS OUR CREDIT HISTORY PEOPLE! Our SS and other information is on this site! Customer service has both my email and my phone number and I haven't heard from them since I called. BS. I see a class action lawsuit if my information is hacked. Plain and simple!

I have been a member of TransUnion Credit Bureau for 3 months. The information, advice and customer service provided by TransUnion are most informative, helpful and allowed me to secure less expensive loans. Well worth the monthly fee. I recommend the service.

Just a super slimy company-- you enter your information online thinking that you're going to get a free credit check and buried in the page of fine print they hide the fact that they're going to charge you $19.95 monthly as soon as you click the button. No prices are listed anywhere obvious, and even if you call up right away they won't refund your card.

I have tried many many times to get info on website since September 2018. Every time after putting in all info says experiencing problems always. Only way you can if you buy their product. Highway robbery.

I feel that Transunion is fraudulently charging me. I am unsure of what is going on but, each time I log in, I cannot access my information, site says having problems. Secondly, I am getting charged for a service that I am NOT receiving on a credit card that I do NOT have. Also, they claim that they have weekend customer service, NOT. I tried and cannot reach anyone. Can someone please tell me what is going on?! I seriously feel that this site is operating fraudulently.

TransUnion gets away with the most illogical credit scoring system and it really needs to be reformed. Just checked credit karma - while my Equifax score remains the same, TransUnion score decreased 17 points because 5 credit balances DECREASED and one very old account was removed. Huh? Only in this country do you get a better credit score when you max out your credit and do not cancel credit accounts. It makes absolute no sense - it is all done by computers not humans and consumers have very little recourse. Time for reform!

I do not understand why TransUnion is the company that student loans and other governmental loan agencies use. The website is outdated and it takes forever for them to process inaccuracies. They seem to only want to sell their credit monitoring products.

I just purchased a pair of Tennis Shoes on an account where I had $250.00 available, I spent approx. $130.00 on these shoes (for work). I have not even made my first payment yet and TransUnion knocks my account down 75 pts. What kind of nonsense are they pulling? I'm working on raising my Credit, I've never been late and these "individuals" are playing around with my points. They need to be dealt with!!!!

I went to raise my credit card amount with the Tangerine website. I couldn't, so I called Tangerine and they say that I can't based on TransUnion statistics. So I called TransUnion and heard on their phone responder that there is an online way to do the things. Once on the website I registered but nowhere I saw any payment required. The only thing that could alarm me, was when the site ask me to enter my credit card. But this is a credit mark site, so I thought they need it to do further investigation. Once registered I found 11 years old outdated information which explain why I couldn't raise my credit card. After that I opened a ticket for the problem then I received the mail with the receipt of 19.95$. I immediately thought that this scam site may have a recurring payment. So I tried to canceled the account. But you can't do it their website... You must called them and wait on their line to cancel the account. They didn't want to refund me...

I was looking to get a free credit report and used Transunion's website, which is supposed to be an accredited trusted site. The site asks for your personal information then to verify the said information you're asked to enter your credit card number to verify who you are. Needless to say, I did. The first time I entered my cc information, I got "Could not be processed". I tried a different card. Which seemed to work, however, my credit report could not be found. Then, I receive a phone call from my bank, a half hour later, saying that Transunion tried to charge my account twice for the amount of $19.95. It appeared to them these were fraudulent charges and contacted me. With this information, thank you, Schwab, I had to contact my other CC company and dispute the fraudulent charge from Transunion. Which I found out they did charge my account and I am currently in the process of disputing.

Recently, my wife and I applied for a home improvement loan for a new fence in our backyard. After supplying the bank, Enerbank USA, with our information, they ran a credit check on both of us. Her credit was excellent but mine showed a score of 686 from TransUnion. I checked my credit score through Credit Karma and TransUnion showed my score as 770 and excellent along with an excellent rating from Equifax. I asked the rep from Enerbank U.S.A why TransUnion showed a lower score to the bank and a higher score to Credit Karma and the rep did not know why. I contacted TransUnion and was connected to this guy in a foreign country who could barely speak English. I could barely understand him and I'm sure he could barely understand me. He was obviously reading from a pre-printed script.

I searched online for TransUnion free credit report. I was directed to a website where I entered information and had to enter a credit card for identification. I was not aware that this website was actually for credit monitoring with a charge of $19.95 per month. After I reviewed my "free" credit report, I checked my e-mail and found that I had received an e-mail with an order number and indication that I would be charged $19.95 per month. I contacted TransUnion and spoke with someone whose primary language was not English and was told that this e-mail was simply an offer to sign up for credit monitoring, that I had not been charged.

Aside from the $21.00 recurring charge they make no mention of until you wake up one morning and check your bank account and there is money stolen by this "company", I honestly have nothing good to say! I initially used this "company" or whatever you can call it to check my scores so that I could apply for a car loan. The scores I was given were completely inaccurate! I went to the dealership and spoke to the rep there at which point he asked me where I got my numbers and I told him.

I login into the TransUnion site off the US Bank site and it show that my report was last updated 9/14/18. It also states that the next report will be available 8/13/2038. 20 years later? This is BS. Last month I complained when they stated a report "as of date" with a new update two months before the last update. We are suppose to trust accurate reporting by this company? I complained to US Bank also and they are checking it out. Why is US Bank endorsing this service to their customers via a link on their customer online account page when it gives bad info. Credit reports and info needs to be correct. This company, TransUnion is not a good choice for anyone.

Their online dispute site is a joke. I filed a dispute to get my brothers information off my credit. It wasn't anything bad, it's just doesn't belong to me. My wife even has this problem as one of her sister's stuff is on her record and it's bad. The common factor with our issues are our names and social security numbers are similar to our siblings. I don't understand why TransUnion is the only one of the credit reports that is doing this. Do they have monkeys processing their data?

Every time I go to log in on the website it continuously loops to try to sell me something and then when I get to the credit freeze when I will after I have to log out and go to a different website same company it will not accept my login. The only way you could freeze your credit or deal with it is to buy their product for $20 per month on the website if not you have to call. The only reason I gave it one star is because there is no 0 stars.

I filed a dispute with TransUnion on 08/04/2018 & everything I find online says disputes are usually finished within 30-45 days. We are going into a month and a half now with this dispute. I filed with Experian and Equifax as well and those disputes are already finished. What is taking so long? I am trying to buy a house currently, & this is holding me up big time! Please TransUnion, work on getting your dispute files done! From a concerned consumer.

Tried to place a credit freeze on account through Transunion.com/credit-freeze. Impossible, finally told a problem and directed to (866) 744-8221. Was told that website no longer good even though still showing up. Directed to Service... Could not understand operator and unable to activate website. Googled and TransUnion customer support said call 888-909-8872. After a machine took all my info I was transferred to a busy line and disconnected.

So I have been checking my Credit Scores both on a hard copy TransUnion sent to me thru the mail and on Credit Karma. I noticed recently that an old debt had fallen off Equifax but not TransUnion. My concern though is I have a very small loan out with my bank and they have not update my payment I made from August but Equifax and Experian has. When I called to report that this was incorrect, the Supervisor who I could tell was making stuff up and repeating what I was saying really did not know what he was talking about. My bank reports to the Credit Bureau my payments between the 31st and the 10th of the following month. There is absolutely NO GOOD REASON why TU should not have already updated by balance and payment history to reflect correctly! Unfortunately we are stuck with this crappy business but I wish they would get their act together. You are playing with people's credit here and frankly this is causing us a lot of problems!

I have Excellent score with the other 2 companies but TransUnion has me at 720, "Good". They refuse to give the required free report when I called but sent me to another website which then sent me back to the credit card input section so they could charge me monthly. I have credit monitoring through AAA and will be calling for help tomorrow. What a racket! Why are they a credit reporting company and they are not accredited? Makes no sense.

I have been monitoring my credit scores with the different companies including TransUnion for about 5 years. During that time I noticed that TransUnion treats the same credit activity much differently, more negatively than the other reporting companies. For example, if my debit balance increased by $300 they will reduce my score by 9 points while the other companies only 2 points. Recently, I paid off a $25,000 loan but TransUnion only increased my score by 1 point. I have consistently maintained an excellent rating with the other companies but TransUnion will not give me an excellent rating no matter what I do. They only look to lower your score by some completely arbitrary method of scoring.

So my credit score was 686 and it took me an awful long time to get to there, then I checked my credit score on 9/4 and it dropped 41 points. Nothing has changed, I pay everything on time. I am planning on buying a house very soon and that's really going to hurt my interest. I want it fixed! TransUnion is a joke, my FICO score is 707, now wth?

I specifically went to the TransUnion website to order all credit scores and reports, as advertised for $29.95, for TransUnion, Equifax, and Experian. I clicked on "Complete Your Credit Picture". It took days for them to bill my card, and they only gave me TransUnion info, and billed me $21.95 instead. How would I even order only the TransUnion info if I clicked on the 3-Bureau Credit Report & Scores? There's something wrong with their webpage or User Interface.

Why can't these companies use US based customer service? So many people need their assistance, and they hire overseas representatives who don't speak English well, and you can't understand a word they're saying. Is so frustrating to have to deal with them.

In February 2018, after hearing on the news that a big box store's customers' accounts had been hacked, I logged into annualcreditreport.com to request the free yearly credit report we are entitled to. TransUnion was the first and easiest site to access, so I requested my report from them. Everything in my report looked accurate. I was satisfied and I never logged back on their website. This month, July, I happened to peruse my credit card statement, and noticed a charge of $21.68 for TransUnion. Called credit card company, and was told TransUnion had been charging me $21.68 for the past 6 months (I admit I was negligent in checking my monthly charges before paying my bill).

I signed up to look up my credit score for $1. 6 months later, and I see $21.73 charged on my credit card from abroad every month for 6 months by TransUnion. Since it’s from abroad, I don’t receive monthly statements so didn’t see the charges until today. I called and they refused to refund me. They said that I signed up to their service and it isn't for free. No email, no notification, no warning, no nothing. This company’s practice should be illegal. They lure you in by offering a service for a small amount and then have you inadvertently subscribe to a monthly service for a much higher amount. It’s predatory.

FIX YOUR WEBSITE! That this Corporation has been able to maintain "favored" standing as one of only 3 MAJOR Credit Repositories Nationwide is a outright travesty. Just look at the reviews! It seems painfully obvious that Customer Service is not part of their Corporate Culture. What is the company's mission statement? "Obfuscate Till Death?" I have wasted countless hours wading through the egregious functionality of TransUnion's website and total lack of customer service. TUC dispute dashboard instructs you to click on links. They do not provide to file or review disputes, indicates your information was not received or failed to transmit as an "already resolved account".

I divorced in 2007 forcing me into bankruptcy since he absolutely refuses to pay his 50% of the bills while we awaited our hearing in family court with adult and minor children. I sure did pay mine, as soon as I filed I personally enrolled in Credit Karma! I ordered my free credit reports 30 as my case was heard at hearing from all 3 reporting agencies. Next, I got one prepaid credit card. I never went off a 50 percent balance. I only paid off the card maybe 2 -3 times a year. Leave a small balance on the card NOW. You are rebuilding credit. I started at 480 when my husband stopped paying bills!

I used TransUnion Interactive website to get a full credit report to look into my credit score. I inadvertently signed up for a monthly credit score membership that cost $19.95/month with supposed unlimited updates whenever I wanted of my credit reports. However when I would try to update my credit reports The site charges another $29.95 to update it, so what is the $19.95/month for? I have no idea... The cancellation process seemed easy enough, but no refund for my Membership, I have to wait my month out to see if they try to charge me again. They offered me a free month (no good if the promises of the site are worthless) and reduced monthly fee of $9.95/month after the free month... I chose to cancel and not the offers that still did not change the fact I was being charged for absolutely nothing! WASTE OF MONEY!!!

All my accounts are in good standing, no derogatory marks, no hard inquiries. Transunion gives me 623 score and the others give me 745 & 748. I tried to use their dispute process but it had dead link in middle of the process. I called and spoke to some Haji from India who I reluctantly had to give my Social to. I could barely understand this guy who talked over me and then hung up on me when I had to raise my voice to speak. Since they are not accredited, I intend to pursue with aggression any future predatory lending processes using Transunion as a basis for their decisions. There appears to be no way existing to fix this problem except to notate it on Consumer Affairs.

These sites seem designed only to push credit cards! I was told my score was "Fair" because I didn't have enough credit card activity. This week I opened a credit card with Amazon. A few weeks ago I started a new credit card with my bank. Today for the 1st time I opened an account with PayPal. The result? My credit scores dropped! This is insane! Their scores are clearly meaningless!!!

I have a low score in TransUnion of 491, however, there is no reason for this as I am paying two credit cards on time every other week with GREENPATH (an angel) and I have one mortgage which I also pay on time. I almost paid for my home in full and survived all the Wall Street chaos where the Wall Street crooks gain money and we the people got robbed. Then they come up with this inquires that I did not make and lower my points. The credit report is fabricated by credit cards so we get in debt and pay thousands in interest. Shame on TransUnion. They are evil evil evil. I lost a job because TransUnion harming and inaccurate information.

Was told by a company I was working with that my credit score had gone down. Perplexed, I checked with TransUnion only to find they had included my son's credit scores with mine, assuming his name was my alias. When I went to the website and filed a complaint, I was then told to see my new credit score. They wanted to charge me when I tried to check that an ERROR they created was fixed. A bunch of dishonest lying morons. They should be investigated.

TransUnion mentions a free credit report initially. It charges a fee of $29.95 on the credit card that you provide them. I talked with their customer service about the same and they seem completely clueless on how to address the reversal of the charges. Worst company. Stay away from TransUnion.

Got email from Credit Karma saying my score dropped because of TransUnion. The thing I think I did wrong was trying to check out the internet rates on loans that my mobile banking app offered. This is so wrong. If anything it should go up for being able to manage my accounts and payments online.

Transunion will email you. In the email you will check a box to check your credit. They charge you $1. You do not realize that this was a 7-day trial for a subscription. After that, they charge you $19.95 for a continuing subscription. The following is a quote from another... of thousands... that says this: "My understanding was that it cost $19,95 for the report, I filled in my credit card information, and received the report for my landlord. It was my own negligence in not noticing that $19,95 has been charged to my credit card every month since then for six additional months. Apparently I 'subscribed' to a monthly service, but I certainly the word 'subscription' does not stand out in my memory. It must have been in the fine print." This is the type of scam techniques that Transunion is using on unsuspecting people just looking to see their credit (which is offered once annually by law)!

WE ALL KNOW HOW IMPORTANT A CREDIT SCORE IS! From what I can see on this site and from my personal experience with them, Transunion are flagrantly engaging in illegal practices! When questioning a claim of outstanding debt, I was told "You should not contact the originator of the debt claim as the debt now rests with Transunion." After waiting 6 weeks for Transunion to dispute the debt and revert I called them and asked for the claimant's contact details. Transunion call center refused to give these details to me. Having only had 1 medical bill in the US in 33 years it wasn't difficult to find the source of the debt claim, it just simply involved listening to a call-hold message for almost 2 hours to get through to the first rep.

I needed to get a credit report with my name on it for a potential landlord in Toronto. I love Credit Karma, but unfortunately my credit score and name didn't appear on the same page. So I started looking on internet for another free credit score company. Came upon TransUnion which claims you can get a free credit report. Great. After selecting headline which says free credit report I get onto the site to type in all your info from your name, address, SIN, and credit card number. Big mistake. I thought they needed credit card number to search for any unpaid bills. Apparently it was to charge me for a $19.95 monthly fee. No confirmation of this charge was given. At the end of the process they will tell you your credit card has been charged $19.95. Surprise!

Not sure how my score can be 20 points lower on TransUnion than the 3 other companies with the same thing on both but I know TransUnion spams my inbox to sign up for a monthly fee to monitor my credit when the other's do not... I'm beginning to think there may be favors if you sign up. Maybe my score will go up if I join? I don't understand why so may companies go by this one credit bureau. Think they are a scam and need investigated.

Address information is impossible to update. They only accept two pieces of address documentation, that have to be EXACTLY the same. My state driver's license does last name comma first name, and the second document does the name as one string (first name middle last name.) It was a bank statement... pretty trustworthy. Not sure why a business exists that can affect people's credit so drastically, yet is run so poorly.

My credit rating recently dropped by almost 60 points because my mortgage company sold my mortgage to another company. No changes to balance, payment amount, or interest rate. Contacting TransUnion was a complete waste of time. First they blamed Credit Karma (5 stars for them) who provides my credit reports even though I was looking at the TransUnion report. They don't have any history on file, so they couldn't look at the previous report, had no idea why anything happened, and then required me to pay $10 to get a detailed report. It is extremely unfortunate that such a company controls how banks look at your credit. If I ran my business as they do, I would have been bankrupt in two weeks!

I wanted to look at my credit report and did a search on free credit reports. I clicked the link to the TransUnion page assuming I would not be charged without prior notification. Once on their page I entered in my information. Nowhere on the site did it say I would be charged a subscription fee. My bank showed a charge of $19.95 which I had not authorized (the website said they need my account number in order to calculate the report). I did not see any note anywhere that I would be charged.

I was a victim of identity theft. I contacted all 3 credit bureaus with fraud alerts and freezes on my accounts, letting them know I was disputing two accounts opened in my name as well as inaccurate phone numbers on my account (I did this through my credit report). I finally get their investigation results and they state that these two credit cards that were opened by thieves in a city about 4 hours away from me, which I have never lived or even visited, were verified and accurate. I have a police report and Federal Trade Commission report which were sent to them and there is a letter from one of the cards, who just finished their investigation, stating it was fraud and have sent information to all Credit Bureaus to remove this information.

TransUnion continues to report inaccurate or false information on my credit report. I have disputed these inaccuracies multiple times with documentation to prove them, and they refuse to delete them from my file.

Tried to place a freeze on my account after the Equifax hack. I thought that's what I had done, until I realized they'd been charging me $21 every month. Evidently, I actually placed a "lock" on my account and signed up for a membership of credit monitoring, which is not what I wanted (They make it very difficult to find the freeze info, per this article: **). I canceled that membership using these guidelines (**) and placed a freeze (linked in the Cleveland.com article). Ridiculous that they're preying on people like this.

They had my address showing an apartment number even though it’s not. The other two credit bureaus had it correct, but obviously TransUnion made the keying error. In order to correct it, I had to respond correctly to questions posed by CSR’s speaking with heavy accents, which I attended on three separate occasions and also sent them documents proving my correct address. Each time I answer the questions I was told I failed to answer them accurately. 3 times, they sent me copies of my credit report even though I never asked for it. Finally, after sending them documents in the mail and calling them three times to have the apartment number removed from my address, I escalated the matter to a supervisor who promised to correct the error (this promise was awesome made by the previous made phone calls). It remains to be seen whether they will have corrected the problem.

My initial contact with TransUnion was on Nov. 16, 2017 when I needed a credit report for a potential landlord. My understanding was that it cost $19,95 for the report, I filled in my credit card information, and received the report for my landlord. It was my own negligence in not noticing that $19,95 has been charged to my credit card every month since then for six additional months. Apparently I 'subscribed' to a monthly service, but I certainly the word 'subscription' does not stand out in my memory. It must have been in the fine print.

I don't understand why everyone uses TransUnion. They're full of lies and seems like they try and fill in missing pieces and their accuracy is so far from truth! The other two companies listen to both sides of the story and let you submit proof for your side but, TransUnion on the other hand seem to work on ruining your credit with the scammers. Middle Eastern people who screwing with people lives but, their judgement day is coming and they'll get theirs 10 fold!! Thanks for ruining my life!!! And you're the only one of 3!

I cancelled my subscription with TransUnion on 05/05/18. That same day they sent a cancellation confirmation stating I will no longer be billed and can access my account until 06/06/18. This morning I was going through my bank statement. On 05/07/18 TransUnion took their normal monthly fee from my bank account. I have the email they sent to confirm and screenshot of bank transaction. Now to get my money back and stop them from future withdraws, they're worst than the creditors because they have access to your accounts and they will access them. I tried to get the billing department. I'm told to contact sales representative if I have question regarding billing. I will let you know how it turns out.

I paid for the service so that I could monitor my credit score, when I tried the first time to access their site, I got NA, so I called support to notify there may be an issue, the person apologized then told me they were having issues with some of the users, hence I was affected, told me to check on Saturday. So I tried on Sunday and it still showed NA, so I called again, again they told me they will call or send an email to let me know when I could access my account, it has been a week and a half and no one called or emailed me. It seems to me there was never an issue with the system and they were lying. Today called and asked TransUnion to refund me for the non-service. What a waste.

First off hold times are ridiculous if you call first thing in the morning when on the East Coast. Longer holds more understandable if calling after that as more time zones would be calling in. Why not set up a call queue like many companies have to return calls in the order received. Secondly, why do I have to input answers to all questions if you are not yet open? Why not advise us to call back during business hours and state what that is, INCLUDING time zone.

15 HOURS or more I have spent wasting my time talking to TransUnion reps. They have given me the wrong information, not done what they said they would do, not called when they said they would, started a dispute in my account without my permission, dropped my credit score for no reason, the list is endless. As others have said, unexplainedly they dropped my credit score 20 plus pts in November. NOTHING was wrong with my credit.

Like others, I signed up for what I thought was a free credit check and not only was I surreptitiously charged for a 99.95/yr subscription but after speaking with a rep (who was rude and insisted I signed up for the service) and cancelled the charge, I was charged a second time three days later for the same amount. To boot, I was able to dispute the first transaction with my bank but there's no option to do so with the second, identical charge. Very strange.

The background to this incident is that my credit score, as reported on Credit Karma dropped from 851 to 823, for no apparent reason. I wanted to find out why, so I called them on their 'contact us' phone line. This was about 7-10 days ago: I spoke to a TransUnion representative on the phone. I asked if she could tell me why my credit score, as shown on Credit Karma, had declined. She told me that TransUnion was not involved in calculating my score; that it was Credit Karma who determined my score. I advised her of my previous dealings with Credit Karma, who told me that they did not calculate scores; they just provided access to them. The TransUnion rep then told me that I should check with Equifax. I told her that Credit Karma had expressly advised me (as confirmed on their site) that they obtained their scores from TransUnion and not Equifax. The TransUnion rep then asked me to hold on and she would access my file.

When I bought my credit report from them I was sure I was only getting a one time report for $4.95 and not a $19 monthly subscription! I have an absolute aversion to getting trapped in subscriptions mostly because you forget and unless you are really paying attention can pay for years for nothing. After going back and studying the website... Yes I was in the wrong. I should have paid a lot closer attention to the details. This type of scam I am sure works well for them and would bet that most of their victims... I mean customers have no idea that they are paying monthly. To me it summarizes the company's character and would not deal with them again if my life depended on it. I am just glad I caught it when I did!!! I feel sorry for those that don't. On top of that there is something creepy about a company "stealing", so to speak, my personal information of those I have dealt with and then selling it back to me.

Visited TransUnion website for information, clicked signup, went through the signup process. When they asked for a credit card info, double checked that there is no info about any charges, and after click submit - here you go, they subscribed you with a 19.95 monthly payment and already charged your credit card. Immediately canceled subscription, called their customer service, and they don't provide a refund. Absolutely terrible experience. I feel cheated.

My anger and frustration will probably reduce my ability to write coherently. Nonetheless, I would like to blurt out a few things. I was only able to see my credit score via Bank of America (some program I signed up for with them a couple years ago, I think). I wanted to complain about my credit score to TransUnion because I paid off ALL of my loans over a year ago, and when I did my credit score actually dipped. I reviewed my credit report, and everything looks accurate, so why is my score not awesome?? I did make a couple late payments to my home loan (before I sold my house), but that was almost a year and a half ago. Since then, like I said, I paid off my loans and credit card and have barely used my credit cards since (and when I do, I pay it off immediately). It's total ** that my credit score isn't at least 720.

I signed to look up my credit score for free. Four months later, and I saw $19.95 charged on my banking account by TransUnion. I called and they refused to refund. They said that I signed and it isn't for free. No email, no notification, no warning, and nothing, snatched money out of my bank just like that.

I am a U.S. citizen living in Canada. When I tried to freeze U.S. credit report I was told I needed to complete the action online and choose my own PIN. By this action, no physical mail would be sent to my former address in the U.S. The website did not work. When I tried to get help from customer service, the representatives were only able to direct me from department to department. No one had the ability to provide customer service.

They charged me 19.95 with literally no evidence or clarification that they were going to charge me, as I was signing up, before receiving any product, then did not send any email stating I was charged, and returned an error stating my information could not be validated. Bank statement has the 19.95 charge listed but even after talking to a support member, couldn't help me. Since it's Saturday, they couldn't even transfer me to the right place to fix the issue. So now we wait until Monday to sort out a problem where there shouldn't be one to begin with. After starting this review, I seriously couldn't find a single line stating I would be charged, nor an agreement to the subscription, nor the amount I would be charged for. Checked the terms and all that, nothing. I could not recommend this less.

They haven't updated my information since 1995. They have the job I had at that time along with the address I had at that time. This is nuts! These people call the shots? Lol. Wow! The other Credit reports were spot on and my score was good. This is insane.

I was concentrated on working and did not check my credit card for 6 month in great details. When I did I found that Transunion charged to my credit card $19.95 each month for the last 6 month for doing absolutely nothing. When called in they said I subscribed their service which I do not aware of. I would thought that service means you do something for people. I did not even know or understand what I am paying for. To prevent people from such a charge, my advice is that never deal with this company.

Been trying to call about getting my information updated, for months, every time I call, they spend time going through list of questions and verification, then when you finally discuss your problem, they will say, "I am sorry, we are not able to do anything about it," and then forwards to another department, and then after going through list of questions and verification again, when you finally start discussing updating my address information, then they say, "We can't help you, it should have been the first department, call them again."

As bad as Equifax or worse! I can't submit a dispute to stop reporting incorrect name because I guess, I am not a paid customer. TransUnion site refuses to load and just gives out errors or freezes. How can they provide a correct report if they can't even fix their site. They should not be trusted with our socials, addresses, or anything. I am angry and wish them nothing but shut down forever...

I am just an example of those many that TransUnion has impacted because of its own faults and as it turns out TransUnion does not show me any portion of my credit file nor it gives any updates or alerts unless I pay its monthly subscription; those actions are unacceptable.

I wish I had seen these reviews before I used TransUnion to check my credit report! Obtaining the credit report was straightforward. When it came time to "see my score" there was no indication of how much it would cost. I was expecting $9.99 or something thereof and "assumed" I would verify the charge before committing to the charges. The "fees" were never divulged. I became suspicious and found these reviews. I went back to the TransUnion page and tried to figure out how to cancel. It was tricky to say the least. A page would come up and quickly disappear. I had to hold the cursor over the link 5 times to snipe the link. These folks are complete SCAMMERS!

As many others have already stated here, TransUnion is very sneaky. They are the worst of the 3 credit reporting agencies in my opinion. As others have mentioned, they purposely keep your score many points lower than the others with no valid reason. You call to ask why and cannot get a straight answer. They speak very poor English, difficult to understand, and read the same BS over and over from a script. They do not satisfactorily answer you, they go round in circles making you more and more frustrated. I asked to speak to his supervisor after he kept trying to sell me my FICO score instead of answering my question to my satisfaction.

TransUnion is very shady. I googled how to get a credit score for a tenant online as I am a landlord and filled in my information to see how it worked and never seen the fee and was never asked to confirm the fee and they immediately charged me 19.95 and signed me up for a monthly fee. Tried to call my credit card company to cancel the MasterCard but they told me TransUnion would just get the new card so they directly hooked me up with TransUnion to complain. I was able to cancel my subscription but they still charged me the 19.95. They don't care that it is a shady website as they have too much power over your credit.

Signed up for "free annual credit report", website was misleading and basically making you pay for a monthly subscription without being aware. I was charged $20 immediately on my card. I realized just on the next day, I tried to log back in to the website and it didn't work. I figured, okay fine I might have forgotten my pw. But as I was trying to reset it it kept saying "Unable to Continue. The information you entered could not be verified. Please try again." Neither options for resetting your password worked. This is complete bull crap. I am 200% sure of my security question and answer. Something smells fishy here, right? So then I called them to get it done. All of the three times I called they transferred me to a non-existent number 1800-508-2597.

The other Credit Monitoring services Experian and Equifax have me at a credit score of 738 and 768 while TransUnion is at 693 and a risk rating at 75! I've called them time and time again about an address in Branford, CT I never had and why are they TransUnion applying the lowest credit rating! And why am I such risk? TransUnion has cost me hundreds of dollars because of higher interest rating based on the TransUnion Rating! I would love to take them to court and sue them! It's just not fair!

I filed 4 disputes in 1/8/18. Today they changed it to 1/17/18. I have already filed a report with the FTC. And thank God I saved all of the information with the actual dates on it. This is really sickening. I have a tax lien that the IRS has withdrawn and the credit bureaus are required to completely remove it from my report. And now they do this. I will make sure they are held accountable for this.

After the Equifax data breach last year, we rather quickly placed a credit freeze on my credit with all three credit bureaus. We also did the same for my wife's credit for Equifax and Experian with no difficulty. However, we were unable to do the same for her credit with TransUnion via the TransUnion website. The request "could not be fulfilled online at this time, based upon the data provided." After multiple attempts to freeze her credit, we decided to call the 888 number and place the freeze over the telephone. We were able to accomplish this, but the process was extremely frustrating. No disrespect to India or the Indian people, but the Indian gentleman we spoke with was very difficult for us to understand, and apparently the same was true for him. He asked us the same question multiple times and repeated himself multiple times. He did get the freeze put on the account eventually.

I am getting ready to buy a house and wanted to check my report on TransUnion. I was under the impression they ran the same way as Experian where I can have free monthly monitoring and only have to pay for anything extra. Well it's not the same. I was charged $20 right away once I finished signing up. I immediately called TransUnion and had them cancel my account and refund my charge. During my whole sign up process it did not say anything about being charged money. She told me that I was supposed to select the 7 day free trial button... but there was no free trial button. I had to enter my card info for Experian too in case I wanted extras so I thought it was going to be the same.

My experience with TransUnion has been a horrible experience, I was trying to remove a Security Freeze so I could apply for medical assistance credit card and have had to cancel to appointments to TransUnion incompetence. Now I have to go elsewhere to purchase hearing aids. I could not understand them at all. Now I have to write and send proof of who I am.

When you ask them to validate items on your credit report they send you something in writing saying it's been verified without any proof. They play around with your credit score and target certain individuals.

TransUnion is fraudulently and continuously reporting an account on my credit report that is affecting my score, of an account that does not even exist! The company they are claiming is reporting it has no account with that number in their system yet they are saying it's mine.

This complaint is on behalf of my husband. We can never do anything for him having to do with TransUnion on the internet. We always have to call them or write to them. They will not let him request a credit report online. He could not freeze his credit online. He cannot unfreeze his credit online. They wanted him to verify his identity but even though all the answers were correct, they said they were wrong. When they don't have a previous address for you, you cannot possibly get that question right. The account numbers and mortgage numbers - that we were looking at - they said was wrong. In looking further - they said creditors scrambled the numbers - so how are we supposed to know what numbers the creditor gave them?

Unbelievable. I signed up with TransUnion several months ago in response to a report or notification about my personal information having been compromised in a data breach of some kind. It must have been the Equifax breach, in fact. I don't clearly recall what I signed up for with TransUnion, but do I know that, whatever I signed up for, it was supposed to be complimentary (free) owing to the circumstances surrounding my data having been potentially compromised. Evidently, I gave them a credit card number (as one sometimes does to create an account).

After a few rough years I made an effort to fix my credit score, so I decided to do the responsible thing and check my score. With the inappropriate behavior from Equifax I decided to go with the other option. When in and read through my options, which is exactly one, I was left with the impression this was doing a month trial. However, it automatically signs you up for a recurring monthly subscription. Grew up on the internet and am privy to most of the scams, but I admit whoever programmed this is a marketing god.

Very curious to know when a company like TransUnion has the unilateral authority to close an account in good standing with a bank?! During a family vacation our credit card account was closed because of an "error" by TransUnion. After hours of phone calls they offered no explanation, help or even an apology. It is unbelievable and a situation our attorney will be certainly look into.

After several calls to TransUnion and my Creditors; Transunion is still not reporting my monthly payments made to the creditors. This is on several accounts. Not just one. Transunion is manipulating credit scores. Something must be done about this. Transunion blames the creditors for not reporting but payments are posted to Experian and Equifax. Capital One even sent me a posting of when they reported to Transunion. If you're late on a payment it's ironic how fast they become then.

Within a 60 day period, with no changes in my behavior, TransUnion raise my score nearly 40 pts (based on laws that were put in placed) and then lower it by that same number of points. Clearly, Transunion, Equifax, and Experian are manipulating the scores. An end needs to be to this so-call scoring system.