TransUnion Reviews

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.

I was checking my credit report to set up an investigation/dispute of an item. Like the previous individual who wrote a review, I was charged $19.95 without my knowledge and had to call for a refund! After I went through all the steps required to file a dispute and entered all of my personal information, I reached Step 4 or 5 and the webpage got STUCK!! When I clicked "Continue" nothing happened!! I had to call TransUnion and start the dispute process AGAIN!! I wanted to upload a document to support my dispute so the lady emailed me a link to the same website that got STUCK!! I called TransUnion AGAIN & was given a fax # to fax my document and had to prepare a fax cover page showing ALL the info I'd already entered online. Allowing for all the wait times on the phone, time spent on the website, handling my refund of $19.95 (at a different phone # !!), the WHOLE PROCESS TOOK 3 HOURS OF MY PRECIOUS TIME!!!

This morning I got a POSTCARD!!!! From Transunion advising that, at my request, it has placed a 90 day Alert in my credit file. It says on its website that it sends the Fraud Alerts to the other credit reporting agency. I never requested it and I don't want it. I previously complained that I couldn't get my credit report from it or any of the credit agencies. I think this Alert will just about kill all my credit. Bang. Done. Alert equals no credit on top of what Equifax has done to mess everybody's credit up.

I completely agree with everyone who wrote a scathing review here about the ongoing $19.95 per month fee. I called the customer service agent who was rude and also seemed quite trained to give me standard responses like I had chosen this option (though there is no option to choose other than "run report"), that I was informed in advance that the charges were recurring, blah blah blah. His delivery was just so rehearsed and he had no sense of surprise when I brought this up, so obviously, this scam, as well as the fee, is a recurring event.

After reading other people's experience with TransUnion, I definitely had to chime in. Like other people, I had a free credit check done which is done by three companies including TransUnion. After looking over a debit card statement last night, I discovered that TransUnion had deducted 19.95 from my account without authorization, for a monthly credit check that I never signed up for. Haven't even tried to contact them and after reading several other reviews, it's not an easy process. I just wanted to get my experience out there, maybe it can help someone else before they get involved with this company.

I lost my Discover Card, no fraudulent charges been detected. I was informed I should contact TransUnion to remove an alert placed on my account. I was put on hold close to thirty minutes and a lady with accent tried to ask questions to establish my true identity! There was huge statics enhanced with heavy accent. Making it impossible to understand what was being asked. I offered to send picture of my driver's license via smartphone, she would not accept. She asked me a sixty five years old!, If I know that credit limit issued to me 18 years earlier(?) Was 18404 or 18405 dollars!!! I missed that one. I politely asked, "I am having hard time hearing you and understanding you. Are you in India?" She said yes!!! I responded I never consented to anyone to share my information with another country. I never consented to the credit agency to access my files or let alone having my credit card held hostage by a non American citizen.

They hold your credit information hostage from you if you don't pay their stupid monthly fee. In other words, you cannot even view basic information about your credit if you don't pay... When I asked them about accessing my old credit report. The biggest load of crap. One of their customer service managers by the name of Jeff who refused to disclose his last name just told me that is how it is with them and there is nothing I can do about it!!!

They purposefully hide the fact that you are signing up for a recurring monthly paid service when you create an account by putting that information in small text, in not obvious places, and then put up a huge fuss when I asked for a refund. Keep pressing them, eventually they'll cave. What a scummy company.

Basically as with a lot of reviews below, I was unaware that I would be charge $19.95 for a monitoring subscription. They have very small writing, away from the main "click here" option that tells you about the $19.95. Even when you read it, it states nowhere that the subscription is attached to the click here option. It goes through the process of taking your information then asks for your credit card number...which directly states next to it that it’s used to get your credit score and they cannot find your score without it.

I contacted TransUnion due to being charged 19.95 which I was not made aware at the time when I put in my credit card number. So as I’m telling the representative what happened she states she cannot hear me so I asked would she like me to yell. I let her know I have been charged without my knowledge twice & would like a refund. She tells, "No. I’m sorry that’s the cost of service" trying to dismiss me. This company is very unprofessional. The representatives does not speak great English, I’m baffled by this whole situation that I cannot get my refund for charges I was not aware of.

Woke up this morning checked my credit score on Credit Karma, I carry very little debt besides my mortgage and minor credit card debt which is rapidly decreasing toward zero, only to see my TransUnion score decreased by 15 points while the Equifax score increased as expected by 21, odd for sure! So I called TransUnion and of course a guy who barely speaks English and “understands” so well. As he kept saying, my irritation as to why he couldn’t give me a straight answer why the strange and drastic credit score drop when there was nothing out of the ordinary otherwise.

I wanted to look at my credit report, through the Discover app I clicked the link to the TransUnion page assuming I would not be charged without prior notification. Once on their page I clicked the button to create an account, entered in my information, then after creating was placed on a recurring subscription for $19.95. Nowhere on the site did it say I would be charged a subscription fee. I cancelled immediately, then I went back through the mobile site and scrolled to view every part of the page and could not find any mention of a charge.

I love their reports and ease of site BUT once they have your credit card, good luck in getting them off. It will take 20-30 mins talking to someone in another country to discontinue your service. Thank goodness I paid with a prepaid credit card. The funds ran out and they could no longer suck money from the account. So if you use this site use a pre-paid card, saved me headache!! Yay to prepaid cards.

I found out my SSN was wrong on their record 6 months ago and since I have been calling them countless times. The first thing I did is to send them the copy of my social. But they still kept giving me different explanations for this problem. Once someone told me some banks are reporting wrong numbers to them and I have checked with all the banks that I have credit cards with, they all confirmed with me that they have the 100% correct social. Another time someone told me all the banks are reporting correctly and TU should be able to correct that mistake themselves. I waited for 2 weeks. Nothing happened! Nothing! After spending at least half an hour on the phone call and being transferred again and again, still cannot solve the simple problem... So frustrating, so disappointing... So bad.

I had someone try to open a Amazon credit card twice through Chase. Once in April and again in June. So this was fraudulent activity on my credit. Both Equifax and Experian have removed the hard inquiries. I spoke with someone at TransUnion and did just as he told me to do. I faxed info in to show it was fraudulent. I have tried contacting them several times regarding this. I get sent to other departments, then told there's nothing they can do and I need to speak to another department. I have called so many times and had absolutely no luck. Pretty strange that the other two credit bureaus removed it but TransUnion refuses to. Seems like fraudulent activity on their end.

Got free credit report from TransUnion. They charge for the credit score, which I paid. Got no credit score from them. Now on the phone with 3 different people for over 20 minutes who keep telling me I did not purchase anything. Have order number and printed receipt right in front of me. No-one can help and the customer service is nonexistent.

I wanted to freeze my credit reports. I breezed through Equifax and Experian in about 10 minutes online and had my credit frozen with them. Then I went to TransUnion and the nightmare began. It was so much more complicated and demanding than the other two; TransUnion ended up telling me they couldn't continue and gave me a number to call. Of course the number makes you jump through hoops just to talk to anyone. And when I did reach someone, her English was poor and she couldn't even freeze my credit. She transferred me to someone else who was clearly "outsourced" - I will say he got my credit frozen fairly quickly, BUT my pin and other info (given to me immediately with the other two credit bureaus) had to be sent to me snail mail. The other two took five minutes each; this ended up taking an hour. I'll never get back.

Since the Equifax breach, we are advised to get a "free" credit check. However, TransUnion charged my credit card for a subscription that I didn't order. I called TransUnion. Of course they want my social security number, my credit card number, date of birth just to cancel my subscription -- their mistake. A week went by and the charge is still on my account. I called again and went through the process again. Why do they want my SS# to correct their mistake? I believe this is a scam.

I filed a dispute on a collection item with unverified "debt" on my credit report. I sent certified mail with supporting documents, per TransUnion customer rep. Surprisingly Transunion completed the investigation within two days while the cert. mail is still in transition. How can they complete the investigation so fast within a couple of days? They have not even received the certified mail I sent to them. The certified mail is still in transit. In addition, I also told them BBB complaints have been filed against the collection agency and the original creditor with an ongoing investigation. Within a couple of days, they closed my file again. How did you complete the investigation within 2-days without looking into all evidences?

First, Transunion try to convince you that their true identity service gives a better protection and is free. However if you read the service agreement and privacy policy, they still can sell your info to third parties and give access to your credit report to low risk business collection agencies, insurance underwriters, claim agencies. So I decided to go for a true freeze on the website. Everything went fine until the end. They charge 5$ (get alert on my phone) but claim that my card was denied and I need to call them. After waiting for 20 min, I get a person to put a freeze but I need to pay the 5$ again and need to contact customer services to get my 5$ refunded after I provided my credit card statement. I believe they just hope that most people don't bother to ask for 5$ refund and just get extra money this way. The error message gives you the impression that they know that you got an error but the payment went through anyway.

I spoke to Pedro and asked him why, since I have had credit for 43 years, my "Depth of Credit" was only 2 years. First he said that the "Depth of Credit" only reflected how long I had been signed up with "Credit Journey" with Chase Bank. When I questioned that because they show my Depth as 2 years, he changed his answer to "It's how long it will take you to pay off your loans." Since there is a definition on the website that conflicts with that, I just said, "Let me talk to someone else." I got his supervisor. She proceeded to explain that the credit score has no meaning, and cannot be used for anything. I asked why I need their service. She said, "So you can know what your score is." But why? What does it tell me? What action should I take based upon the score? She started talking over me and interrupting me.

I tried multiple times to freeze my credit reporting with TransUnion. Every time I clicked the Credit lock, it would immediately take me back to the membership screen to sign up for $19.95. I clicked out after having entered my credit card information (which you have to enter before you can go forward, to what you expect you are getting ready to sign up for the credit info freeze.) I tried to enter my husband and didn't think I had clicked on the join TransUnion but the info welcomed my husband as a new member. I knew I would be charged the 19.95 and immediately cancelled the account. After reading further, it stated he could review his account until October 22.

Called TransUnion, as well as The other credit bureaus to initiate credit freeze. The TransUnion site was very, very difficult to maneuver and finally locked me out and told me "we cannot validate your information". Then the Site directed me to a toll-free number. I called the number and played to 20 million questions game, before it got me to the correct person.

Due to the recent Equifax security breach, I spent several days attempting to get a 90-day fraud alert placed on my credit. After finally being able to place a fraud alert on my credit, I wanted to log into TransUnion's website to check the status of my credit. This is as far as I could get. TransUnion has made their login area completely inaccessible in an attempt to force users to buy their credit monitoring service for $19.95 per month. At a time where this company should be stepping up to protect over 100 million people who may be in danger, they've instead put their own interest first and made it very difficult, if not impossible to access credit freezes, fraud alerts, credit scores/history, and more. This level of greed is unacceptable, especially for a national, government mandated credit bureau.

I got online and tried to get my credit report. This company is a trap. They want to charged you $20.00 a month. Why? I am looking for a lawyer to take my case and sue them not only for my money. Their business ethic is unapproachable and misleading. They are a scam. Please reach me to sue them.

TU has actively caused significant financial loss, embarrassed and humiliated me publicly, and caused extreme emotional duress. My scores with all CRA's are in the 750's. I have been saving for a new car and have about a 60% down payment based on a 2017 leftover with all the dealer incentives. My credit union has the best rates going at 2.25% and a .25% discount for auto-pay bringing the loan amount down to 2%. The dealer incentives for using your own financing is roughly $8,000. Essentially a $32K car for $24K.

First, you have to understand, 'credit lock' is a TransUnion product they charge for - and that they have manipulated their website to steer you away from a 'security freeze', which is free. Of course, after the breach/debacle with Equifax, Transunion is ready to pounce in predatory fashion and ONCE AGAIN exploit the consumer's misfortune by ensuring you are NOT ABLE to get a security freeze (one again, your right to completely free security).

I went to TransUnion to receive a free credit report. The website directed me to create an account to login. It asked for information such as email, credit card number, etc. I assumed the report was still free as advertised and that the information was in case I found something on my report that I wanted to dispute. It's not free. It's $19.95 a month. I canceled the membership as soon as I noticed it on my credit card. The TransUnion website does have link to annualcreditreport.com where you really can get a free credit report. However, on the same page there's a link to redirect people to open an account and subscription rather than actually providing a free credit report. This is confusing at best and deceiving at worst. I would suggest going through annualcreditreport.com directly rather than TransUnion.

Transunion (YOU) electronically received a request from a third party (individual) for my credit information. Transunion sent me (Subject of Credit Report and Payor) an electronic request to log into the Transunion website. Transunion electronically authenticated and verified my identity via it's website, "www.MySmartMove.com". Transunion electronically requested my credit card payment in exchange for credit report. Transunion electronically accepted my payment via the Transunion MySmartMove website. Transunion electronically determined the validity/ authorization of my payment. Transunion electronically notifies Consumer after transaction is complete that it provides NO RECEIPT to the Consumer for the payment they have already made.

I was on Credit Karma and noticed my score dropped by a point. I called TransUnion to find out why and they told me the score they had was not the same. I asked what they showed and they told me I had to pay for it. I went to the TransUnion site to pay a one time fee of 9.95 and it started asking too much info for me to transmit over the internet AFTER I gave my credit card info. So I let it go. Then my discover card showed a 19.95 RECURRING fee from TransUnion a few days later. This is out and out FRAUD! I clicked on the ONE TIME CHARGE and the system put me in recurring payments without my authorization.

I have a score of 612 on Transunion. And a score of 702 on Equifax. So I called TransUnion to dispute this and have them update this inaccuracy and they said that is not what they have as a credit score for me on file... But they will Not fix the problem with my credit score. They want me to pay $9. Dollars and change for them to send me a report through the mail... What kind of a Fraud is that??? They should fix the wrong information they are reporting and simply update the wrongly reported info. Not try to rip me off to fix the error on their behalf...

After receiving my credit score, I was told that I would pay nothing now, and later if I decided to keep their services, I would be charged $19.95. I cancelled on the very first day after receiving my score. Well, lo and behold a week later my account was charged the $19.95 fee. So, I decided to call TransUnion and talk to a customer rep. I got nothing but a runaround and she stated that according to her records I cancelled on the very day I was calling her! I could see that I had no chance of getting my money back so I just told her thanks for the lies and the rip off!

I use Credit Karma to monitor my credit. I started with very poor credit and eventually brought my scores up to the good to very good range. My combined actress are at 750 when I purchased a car. I was pretty happy with that until I was until I purchased a car. After that my TransUnion score went 60 points lower. They also reported that I had a card closed that wasn't closed. My other two scores have stayed the same or gone up. I have written a letter to them about the closed account that's not closed and stated that my score has dropped exponentially. Of course there's really no one you can speak to about this and there's no explanation.

I saw a negative mark on my credit score with a company who is trying to collect the wrong amount. I've tried to dispute it multiple times now, but TransUnion doesn't even look into it. They just close the dispute right away without solving anything. The other credit company actually looked into it and removed it from my account, but TransUnion doesn't seem to care about fixing things that need to be fixed.

TransUnion offers monthly monitoring on their website with “UNLIMITED updates to your TransUnion Credit Report and Score”. That is a direct quote from their site - caps and all. The monthly fee is $19.95. The unlimited report updates appealed to me. I can be a bit OCD at times and I liked the idea of having up to the minute data at my fingertips. The price tag of $19.95 per month didn't sound all that unreasonable considering I was going to get “UNLIMITED updates to your TransUnion Credit Report and Score”.

Back in December, I reported to TransUnion that my Social Security had possibly been jeopardized and also froze a credit card from my credit union. They were polite, helpful, suggestive and so I opted to continue credit monitoring once the 2 free months ran out. Recently, I received a mail that their mail was being returned and to call and update my address. I struggled with the questions, but influenced them to just update my current address and advised them I wasn't requesting any information at all. The lady tells me they never got a payment method, but continued my service for March, April, May, June and July... wanting payment for 5 months and to update a payment source. Okay... that's fine. Out of 3 dozen letters or so, not one pertained to owing money or having a debt.

Last month, I received an email notification from my credit monitoring app (which is not TransUnion) that there was a big change to my credit score. When I logged in, I discovered my Transunion credit score had dropped 57 points in one day. My payment history was at 100% for the previous 18 months (which was is far back as the system monitors) and there were no derogatory remarks. My Equifax and Experian credit scores had remained the same, only my TransUnion scored had taken this drastic and unexpected dive.

Customer service sucks. I have filed disputes about my reports and scores and nobody will tell me why my score went down. They keep telling me to pay more fees to get more reports, but when reports don't say anything and my score still went down, they have no answers.

I am stuck not being able to do anything with TransUnion. I have now spoken to four agents about my identity's theft, two of whom I could hardly understand even when I asked them to speak slowly and clearly. Each asked me a series of security questions to confirm my identity. Each got to the fourth question, which I could not answer "correctly." None of the answers had anything to do with me; rather, it appeared to be based on information related to the identity thief... Stymied, I was then read the same script by each of them, telling me to obtain my TransUnion credit report and then call back. I said, "It's in my hand and I still have no idea about this question! It's about the criminal's activity!" Each of them then read me the exact same speech again and would not help me any further...

TransUnion is unbelievable!! They report fraudulent information about my credit score to my credit cards, and when I call I can't get anywhere with my problem! Nobody in Customer Service is capable of anything other than trying to get me to pay (!!!) for information about my credit score, and they are lying through their teeth every step of the conversation. There has to be the way to hold them responsible for damages they put on Americans. I am looking for a Group Legal Action against them. If anyone is aware of such action, please let me know so I could join!!! I cannot believe some scumbags can do this on American ground, and our Government does absolutely nothing to protect its citizens!

The other reviews were spot on. Automated Phone System doesn't work. Humans do not speak legible English. Any questions are answered with a selection from a response card. There is very little effective effort to help. My problem was I needed to un-freeze MY CREDIT INFORMATION for a mortgage (several yrs ago my brokerage house was hacked, they suggested that their customers freeze info at the three major agencies, which I did). Since the time of the freeze I had a fire - I could not supply a PIN#, both Equifax and Experian asked me some personal to establish my ID over the phone. NO PROBLEM! Now for Transconfusion.

I needed my credit report, but they sign you up automatically for their credit monitoring report which charges you 17 each month. I had no idea until they sent me an email. Due to a pre-paid visa I used, they could not receive payment. Anyway, I called them immediately only to be told to call back in 15 mins because of their system updates. I called back again and was told the same. I waited till today, called again and was told AGAIN about system updates. At this point I am getting pretty irate and hung up on Andy. I called back in 15 mins to be told by another person, Mina, to call back again. I lost my ** and said the next call if I get told this again, I will need to speak to their supervisor or whoever is in charge. Don't do business with these scumbags. This is probably their ploy to keep charging you by telling you to call back in 15 mins - so you might forget to call them back.

We are supposed to get free annual credit reports from the 3 credit reporting agencies. I got back the first 2 reports, but instead of the report, I got a letter from TransUnion. It stated that I could fill out another form, or I could log into their website. Well, I logged into their website, got my credit report and then got a bill for 'Credit Monitoring'. I called to cancel and they said "Their computers were down". I said to take down my information with paper and pencil. After the run around, they said that they cancelled the credit monitoring service. I don't get it? Is TransUnion just another scam? Aren't they supposed to be affiliated with the government?

I am applying for a mortgage and had to remove disputes that I had initiated recently and their notes from my file. You would think this an easy thing. It was with Experian and Equifax, they were kind, understanding, and quick to respond. All I got from TransUnion was, "We cannot do that." "We cannot comment," is their other favorite line. Nothing is more frustrating than having absolutely nothing you called about being taken care of. They can't tell you it's against the law or other companies wouldn't do it. It is just their lack of concern, care and inability to do their job that keeps them from doing it.

I am trying to remove a Freeze for my minor daughter. Experian and Equifax were amazing to work with. They resolved my problem the same day and provided prompt follow up contact. TransUnion however has been horrible! I had to spend over two hours trying to reach someone on the phone to figure out how to submit a request (I was not able to do it online because my daughter is a minor). I ended up speaking to 7 people to get the correct fax number to send my request. I was given two wrong fax numbers, then once I insisted on talking to the supervisor's supervisor, I was given a correct fax number (at least I think). I asked all 7 people for a direct number to call to follow up on my request and no one would give me a number to call or offer a callback.

I am a paying member on their site, my credit score listed is 782 , they say that based on my score they have matched me up with credit cards, so I look and they matched me to "secured cards" and subprime banks who offer $300 credit lines, my credit cards have credit lines of $5,000 and one as high as $25,000 so they match me up to $300 cards??? Amazing, this is what I am paying for each month? they must get a giant kickback when they land a sale like this but it is very unfair to the consumers.

I called to ask about disputing something on my credit report. The guy I get has an accent but I don't want to assume he is overseas. (We do have foreigners here, after all.) I verify my personal information (including my WHOLE SSN and ask him where he is. He says "India". I am scared some fraud will take place as I've heard of many customers having fraud and other problems with outsourced jobs.

First, I live in the U.S. and would like to speak with a representative in the U.S. (NOT THE PHILIPPINES; THESE PEOPLE DO NOT SPEAK PROPER ENGLISH). Shame on you, TransUnion for outsourcing American jobs. Secondly, I have spoken and written these people numerous times about a Federal Tax Lien that appears on my bureau. The lien was reported "after" the fact. I mailed the release from the court. The court will not provide any other documents other than the release indicating the debt was satisfied. It's been 8 years and now I'm being told it will remain on file until 2019. These people are ruthless. The lien does not appear on Equifax or Experian (just TU). I explained this, but they really don't give a crap. I had a membership where I was paying a monthly fee of $19.95. Cancelled the membership. TransUnion can kiss my butt. I have the power to remove the negative item, but refuse to do so. I HATE YOU, TRANSUNION.

I have paid 100% debt every month. I have never owed even one cent. How come I am controlled & evaluated by this stupid company. WHAT THE PROBLEM'S if I spend more on the card, and I owe high amount, but I have ability to pay back 100%. Please use your small brain, think about it and try to make sense.

Transunion is reporting COMPLETELY INACCURATE INFORMATION on me... My credit cards are almost paid off in full as a result of my working tirelessly to do so. And yet they are reporting information from months and even YEARS ago. I am going public with this today. I am a known artist and very influential person. Just google me. Transunion is breaking fair credit laws as well as audacity laws. And they are damaging me. Their scripted and rude, outsourced phone representatives are ineffectual. I have spoken to the top class action attorney in the country, and not only do I have a STRONG CASE, but apparently there are THOUSANDS of consumers experiencing the SAME ISSUES. They are literally destroying lives.

My bank suggested I check my credit score on TransUnion. I had trouble on website so I called customer service. This was a complete waste of 30 minutes! I was bounced back and forth between two people. All they said is "I can't help you. Let me transfer you to someone else". Which in turn said the same thing and transferred me back! I ended up getting my credit score from some other website! Save yourself the aggravation and use another website!!!

Unlike the other 2 credit report agencies, Transunion "can't verify" my personal information. I spent over an hour on the automated phone line to request my credit report, but they "can't verify" my information. They gave me a PO box in Atlanta that I should send a written request to. I sent that request THREE TIMES, with no response.

I removed a freeze from my credit report and it was to be done in 48 hours maximum. That time has long passed and I can't get a live person on the phone to even discuss. No one has a supervisor or a name they are actually willing to give. I've been disconnected and on hold for about 4 hours already. I would never recommend a security freeze with TransUnion or really even having a creditor use TransUnion if credit is needed.

The fact that TransUnion and Equifax for that matter are allowed to remain in business is criminal. Last year I applied for a credit card and was denied based on TransUnion's reporting of my credit. When I investigated by paying for their "service" if you can call it that. There were several inaccuracies that I had to deal with. Fast forward to 2 days ago when I am making preparations to attempt to get the same credit card so I can switch banks. Equifax reports me as being in the excellent range where TransUnion has me in fair bordering on poor.

I went onto AnnualCreditReport.com to get my first annual credit reports from the 3 bureaus and got charged $20 per month from one of them - TransUnion, by simply giving them my credit card information. This is a scam that shouldn't be permitted! I hope this company stops auto-signing people up to their services because I never wanted their services for anything but free, which is why I went on to AnnualCreditReport.com to get my FREE credit reports. Nothing was charged by the other two, and based on all the other reviews, I know that it isn't just me. The problem apparently is that I had to give them my credit card information - don't trust them with your credit card info.

I got transferred NINE TIMES!!! I had to stop the last person from transferring me. Every single teller I spoke to is useless. They made me repeat the same thing over and over, and they would transfer me. EQUIFAX helped me within 10 minutes while TRANSUNION made me waste 45 minutes. And, I am sorry but it was really hard to understand some of the workers as their accents were pretty strong.

I signed up for a $1 credit report, and I've just discovered that TransUnion is charging me $19.93 per month for this on my credit union credit card. I immediately cancelled my 'free yearly credit report' (HA!) and I have emailed them (no reply to date) and tried to phone them, but the phone is automated/asks from my social security number, which I am not happy to provide, and I am unable to speak to a human. I've told my Credit Union about this, in the hope that they can help me recover every penny of the money they've stolen. I am now going to make a complaint to the BBB and will continue my efforts to spread the word about this devious company. DO NOT USE THEM UNDER ANY CIRCUMSTANCES.

Asks for credit card for "information" then charges a monthly fee of $9.95. They must know they have created a scam product to inadvertently sign users up for a monthly subscription that they don't want or need. In addition all of the credit information on the site was out of date. They apparently had no knowledge of any of my current credit card accounts even though I used them regularly for many years.

In 2014 I signed up for a service for credit monitoring upon accessing my credit report. I did not request a monthly subscription but was apparently auto signed up for one. When receiving repeated charges for 19.93 per month after 2 months, I called TransUnion to discontinue a monthly subscription. They assured me this would not continue and the charges would be reversed. That did not happen, I then called Capital One whom was the credit card that was being charged, Capital One was very professional and assisted me on getting reimbursed from the fraud charges.

I filed a dispute with Transunion online. For weeks it said needs manual processing on the website. After the 30 days was over the dispute shows all blanks and is still on my credit report. Customer service is telling me they have no record of my dispute. This is bogus. I have a Dr bill where someone used my name and it was disputed! I'm not stupid and had to dispute something once before. They are dead wrong but I have no recourse. I hate them. I'm trying to refinance my home and I have a bs collection that is wrong and it seems the only way to get it off my report is to pay a bill that is bogus. I disputed again yet now have to wait another 30 days bs.

For the past 6 months I have been attempting to cancel this service. 3 times I called and 3 times the service was supposed to be canceled and refunded. The money taken from your account is automatically renews but your credit score does not. You have to pay to refresh! "These memberships automatically renew, each month, indefinitely." If it took me an hour just to locate this someone needs to warn others NOT TO SIGN UP WITH TRANSUNION! Have to dig very hard to find out. To cancel you must call them, and the info is buried under PRIVACY.

TransUnion is a fraud, they have all the same information as Equifax and Experian yet my score is 50 POINTS LOWER, dragging me into a lower level credit bracket. Making me pay way more for things I shouldn't. I work very hard to keep my credit and they are providing these companies with an inaccurate number. When I called I to speak to someone not located within the United States and can't understand them or what they are trying to explain how they come up with that number. Then the supervisor tells me he's looking at a completely different number but will not tell me what it is, he says if I want to find out it will be an additional $9.95. What! This is no joke!

Called to update address and phone number cause I just moved a few months ago. I found out my info they have is old and out of date. Called 3 numbers for them before finding a number that would give me a human. Explained to them I moved and needed my info updated. They could not help me instead wasted 1 hour of my time then I asked to speak to a supervisor again wasted much time to get nowhere. It's my credit score and info but yet they have control of this information.

As I read these reviews I see the same information repeated. My experience was getting a 1 time credit score, I never signed up for any continuing service, actually after entering my card information they asked for my social security number I got nervous and exited the site. So I have never received any type of credit reporting from the company. Now they are charging me $19.95 for monthly checks and credit protection that I never signed up for. Upon calling in to cancel they kept the conversation going around in circles for 65 minutes, always asking for my Social Security # and my birth date, which I never gave them. Finally, they agreed to terminate my subscription and refund $19.95 to my account. This is account purely a scam!!!

They have gone and just put a false claim on my credit report. Everything you do now you need a great credit score. They can really wreak your life and don't care. Every time I have called the person doesn't speak English. I can't understand a word they say and when I ask to speak with someone that speaks English they get upset. They can't answer my questions and you get nowhere. This isn't a joke. This being on there when it shouldn't makes it so you can't buy your home or a car. NOTHING. They say they just don't let anyone put anything on your credit report. BULL. These people need to stop playing with people's lives. This is very important and they should be getting into trouble. If this doesn't get sorted out I will be calling my lawyer.

My social security number was stolen. The thief created an online profile with TransUnion and placed a 90-day fraud alert on my account. They changed my address, telephone, and email to theirs. Potential creditors saw the alert and then called the fraudulent phone number, and verified the applications for credit with the thief.

These people operate their business in the worst possible way. I needed their report just once to sign a lease so I did. They don't make it clear on how to stop this service. I have been charged 16 dollars every month and wondering why until I realized it was from them. The problem is not that they make it very hush hush about cancelling the service, it's that they make it so difficult to get out of it. You can't find it anywhere on the website, have to stay in the line for hours and then I've heard stories of people whose service wasn't even cancelled after calling. This should be illegal. It's not moral. It's nasty business. I am never coming near that company again and just in case I am cancelling this credit card to make sure I don't get charged for this crap ever again.

I recently submitted a dispute for information on my credit report. The dispute was finalized and the information was removed from my credit report. In seeing that you would believe that my credit score would have increased. Instead my credit score dropped 48 points. I was confused so I called TransUnion and the lady that I was speaking to on the phone just kept rambling in circles because she did not know the answer. She kept trying to explain that all agencies use a different vantage system to score the credit score which does not make sense because your score should be similar to each other across all three credit reporting agencies.

I check my free credit report on an annual basis and also purchase a FICO score at that time. I've done this ever since the law was passed. This year, I wound up with TWO subscriptions (at $29.99 and $24.99) for useless "24 hour monitoring" which I neither requested or wanted. I was trying to purchase my annual FICO score and have now spent several hundred dollars on less than useless "credit monitoring" (which is available to me from several other sources for free). This is legal, but I have a master’s degree and didn't realize I was signing up for their service, so it clearly is deceptive. I can tell by the large numbers of similar complaints that this is a common practice.

I had a painful experience speaking with a Customer Service Representative from TransUnion. The young lady was speaking too fast, and not clearly. When I would ask her several times to please repeat herself she became attitudinal. She had a very thick European accent. To be a company that handles secured information, you must have more qualified professional people working for you that can speak and enunciate properly. It doesn't matter where a person is from, PROFESSIONALISM should be the main factor in delivering great customer service.

At first I signed up to get an instant credit report. A lot of people complain that TransUnion steals from you but it very clearly says you must cancel with 7 day or you will be charged the monthly subscription. I've signed up for it 3 different times and never had an issue. Moving on, I decided to keep the subscription and 6 months later I immediately got an email for TransUnion noticing me of a new inquiry... I froze access to my report from the website right away and contacted the person who pulled it. It turns out it was Kia financial for someone who applied for a car 1000 miles away. The only reason they didn't get the car is because the awesome person who pulled the report suspected fraud because all the addresses in my history were from California and when he asked the couple "where have you lived" they obviously didn't say California and they were denied. Thanks to TransUnion I found out with 1 hour of applying and was able to freeze it so that those people couldn't go to the next dealer.

Received a letter from Transunion Interactive saying they identified suspicious activity on my credit report. Called Transunion and they transferred me numerous times with different departments and the answer from Transunion was the same. (There is no suspicious online activity on my acct.) This is a marketing scam from Transunion to get you to sign up and pay for Fraud Alert on your account. The letter tells you to sign up and I went to the website and it is Transunion but it is their Interactive Division to get you to sign up for Fraud Alert and pay a monthly fee. This is fraud on their part advertising and making false statements to consumers to get them to pay for this service. Why would Consumer Affairs let a company that maintains so much of your private credit history and personal information continue to be allowed to be a consumer reporting agency? Their license should be revoked.

We went to refinance one of our vehicles and were told that our credit score was being significantly hurt due to a student loan. Neither of us have been to school, except a week-long course to obtain a crane operator certification. When the detailed report was pulled TransUnion creditor was the creditor listed. I placed a call on 12/08/2016 to TransUnion to resolve the issue. I am fluent in English and it is the only language I speak. The representatives I spoke with did not speak English and if they did it was broken. I asked to please speak to someone who was fluent in English. When I asked this I was hung up on.

Transunion seems to hire incompetent people. They make mistakes affecting many people's lives. When asked to speak with a manager was told I would receive a call today regarding a dispute. Call never came. They dropped my score 20 points because of a dispute against a company that I never made. The other reporting agencies follow through and settle problems quickly. Transunion made the mistake and won't fix it. It is causing me huge financial troubles. They need to be monitored.

Was filling out a job application and re-directed to TransUnion. But since then they started charging my checking account 19.95. Not the way to get business... Very disturbed. I guess that's how some companies need to survive. Very poor.

This customer service is ridiculous. They're a bunch of robots reading from a script. I needed to lift a credit freeze, and they stated I needed to mail copies of my social security card and all kind of crazy info. This is absolutely nuts. I needed to do the same thing with Experian and it was easy-peasy. I need to lift my credit freeze to get approved for a credit card. THEY ARE THE ABSOLUTE WORST.

I went online to for a one time credit report with FICO score from TransUnion. One month later, I noticed recurring charges for $19.95 each month. I contacted TransUnion who stated that somehow I signed up for it??? I did not sign up for anything. They automatically enrolled me in the credit monitoring service at a charge of $19.95 per month, following 7 free trial days. I did not sign up for the program. I did not sign up for any trial period. I did not request anything. This is shady on the part of TransUnion. I contacted Discover credit to remove the charge which is pending. Watch out for this scam.

They use trial periods to lure you into signing up. What you don't know is that signing up means agreeing to be charged $16 a month forever. Having had an issue with my registration I had to re-fill the form, and I was charged TWICE for having fill the form twice even if I got an error message the first time. There is a dispute center button on the website which doesn't work or lead to anything, and there is no way to remove your credit card once it has been entered, or to cancel your service. Oh and I never got to see my credit score because "they couldn't verify my identity". I really hope this company fails miserably.

I went online to purchase a one time credit report with FICO score from TransUnion. Several months later, I noticed recurring charges for $19.95 each month. I contacted TransUnion who stated that if anyone purchases a FICO score, they are automatically enrolled in the credit monitoring service at a charge of $19.95 per month, following 7 free trial days. I did not sign up for the program. I did not sign up for any trial period. I did not request anything. This is fraud on the part of TransUnion.

My husband and I are looking into refinancing our mortgage. Before we went further, I wanted to check my credit score. I paid to have TransUnion pull my scores from the three major companies. The scores were surprisingly low. I told our mortgage broker it wasn't a good time for us because of my credit scores. He wanted to run them himself. With the same three companies, my score was 100 points higher. He said this often happens. I called TransUnion to cancel my account and complain about the discrepancy. I was told that the companies must not have the same information and that they stand by the score. No amount of reasoning made a difference. I would have made drastically different borrowing decisions based on TransUnion's information. In fact, if I didn't know better, I would have kept up with my TransUnion account to make sure my credit was improving. Herein lies the secret to their unearned success.

I created an account so I could check my credit score during the 1-week trial and cancelled that same week. Despite cancelling they charged me 19.95$ for three months. 60$ for a service I didn't even know I had. I called the customer service to complain and ask him how he could continue to work an establishment that scams people. Seriously, how is this company allowed to operate after so many complaints or fraud? This place needs to be shut down immediately.

I went to cancel because I discovered that borrowell.com offers a free way to see your credit score. The only way to cancel is to call customer service and go through the stupid automated phone system, then give an Indian rep a bunch of your personal information like a robot, then decline all of their attempts to convince you to not unsubscribe. There is literally no way or even mention of how to unsubscribe on the website. You can't even remove your payment information, it won't let you save it unless it's all filled out properly. I may have came back to this service in the future because it offers some detailed info, but black hat tactics like this to trap customers piss me off and I will NEVER pay a dime to Transunion again. I start typing to google "cancel Tra..." and tons of variations of how to cancel Transunion pop up. I'm not the only one...

I recently applied for a Chase credit card and TransUnion was the only reporting agency the denied my application. Even though I never had a missed or late payment they denied my application on the fact that I had too many credit cards. When I tried to investigate why the application was refused I had to apply to their service and pay the $1.00 trial fee. However they continued to charge my account every month after the trial period. How many people have had the same experience.

I sent a request in by fax (as advised) to remove a dispute from my credit and I was told it was only going to take 5 days for the removal. On the 5th day I called they said call back in 7 days. After the 7th day I was told they had not received the fax and to send another to the same number the same day and what 5 days not 7. I have called multiple times and I have faxed the letter in multiple times and still the dispute is there. TransUnion has failed to remove the dispute from my account and now I cannot have my credit ran to purchase a home for my family.

I feel like I was tricked into a Trial Subscription when I originally only wanted to view my credit score for $1. Of course, once I paid the $1 I saw the fine print that indicated I'd actually enrolled in a 1-Week Trial Subscription. Before the end of the week, I tried to cancel. However, there are no direct links or cancellation FAQs on the website, and contact info is hard to find. I Googled how to cancel, and came across the URL that allowed me to click on a cancellation link. I confirmed my intent to cancel several times (I think it asks you to confirm the times in a row), but did not receive a confirmation email. I then called customer service to cancel, but somehow my connection was lost when I asked the service rep for a cancellation confirmation. Fast forward 5 months and 5 credit card charge backs, TransUnion has still not cancelled by subscription. I have several cancellation confirmations, but continue to get billed.

I checked my credit report and noticed my score dropped 50pts. I have 3 credit monitoring svcs due to past credit fraud. Not helping at ALL obviously. And noticed my address changed and a similar name was placed on my acct. No one called nor was I even emailed/mailed about whether it was a change or needed to be verified. OK. Benefit of doubt. I called Transunion 1, 2, 3 times. Busy signal?? Third time csr says "hello" then hangs up. I wait 10mins then call then I get a clear answer from CSRs in India??? One CSR, a Supervisor, and then a CSR from the "Special handling department?"

This company needs to be shut down. My wife and I applied for loan. It takes you to their website. I cancelled both accounts. What you know still charge me for one. So few days I check my emails and something was saying "since you are member instead 19 hr month we charge you 15". I emailed them soon right then. Few days later their response was call. So my wife calls and they said you have to call another #. I know that's lie because my mom cancelled her account with same phone number. I can't believe a credit place doing this.

When using SmartMove by Transunion I was basing my decision to rent to tenants on the information provided, which I was horrified to find out that the "criminal background check" was NOT NOT NOT based on the social security of the individual. It's based on NAME match. Are you kidding me? This was told to me by a SmartMove representative on the phone. I evicted someone and almost didn't rent to two different individuals because of the inaccurate info. I just got off the phone with a Superior Court in CA regarding a list of EIGHT felonies associated with my applicant to find out that NONE of them were associated with the social security of the individual. THUS it's false and potentially damaging information they are giving out. NEVER USING THEM AGAIN. PERIOD.

I paid off all of my student loans debt with CIBC a year ago and have letters of release to prove that. TransUnion Canada falsely reports that I still have outstanding CIBC student loan debt. This false report was on my statement for months providing wrong information to creditors. A month ago I submitted a dispute form indicating I have "no knowledge" of that account and providing letters from CIBC that clearly state my student loans are settled in full. Today I paid $21.95 to see update on my account and that false debt from CIBC student loan is still showing on my credit report. If I can be the victim of false information being placed by TransUnion Canada on my credit report so potentially can others as well.

I bought a 3 bureau credit score report from them for $30, and they put in the fine print that if you don't cancel your "monthly membership" which you never agreed to, they will charge you 21.55. Really disgusting that a credit bureau is so shady. I called to complain and asked to speak to the manager and was just told that I would be issued a refund.

I applied for a loan online. To obtain the loan you had to agree to a $1 charge for the Transunion credit score. This is a trick to get you into an unwanted membership. They do not ask if you want to become a member. They take a chance that you do not read their email confirmation to cancel before 7 days. Why should I have to cancel a product which I do not want? It is a scam for which Transunion should be investigated.

I am applying for a security clearance and have to be able to correctly report any accounts that maybe outstanding or any credit issues. I went to annualcreditreport.com to get my 3 credit bureau reports and was able to get Equifax and Experian however TransUnion says I already received my free report and refused to provide it. Even though I know I did not receive it ever I needed to get the information urgently so I click on a link on their site and agree to pay the $1.00 to receive my report as well as enroll in their credit monitoring service. Three days now have passed and the report is not available due to a technical issue and you are unable to log into your account to cancel the product, and must call them to cancel.

In June 2016 I accepted a loan offer recommended by Credit Karma that was supposed to be one of several ways to help improve my credit rating. My TransUnion credit score at the time was 726. I accepted the loan offer and while reviewing my credit scores via Credit Karma in August 2016 I noticed that my TransUnion score had dropped 56 points and my Equifax score had dropped 41 points after the loan was added to my credit report. Had I known accepting a loan offer would hurt my credit scores so much, I never would have taken the loan. Had I known BEFOREHAND that accepting the loan offer would impact my credit scores so drastically, I definitely would not have taken it.

I recently received notification that TransUnion dropped my credit score and one of the reasons was extremely inaccurate. I tried once again tried to obtain my free credit report online and of course it would not give it to me. I have never been successful at pulling my credit report from them without paying. They are also the only credit reporting company that reports inaccurate information about me. They are a fraud and the government should shut them down!!!

Signed up for their $1 credit offer, then shocked to find a $20 dollar charge on my credit card a few weeks later from them. Called them, and the customer service rep said I agreed to the charge when I signed up. I have zero recollection of that, as I'm generally very careful to review the fine print before signing up for anything. Beware.

Communication with TransUnion is unacceptable. The dispute representatives have the ability to describe what they need to do. Although, they were unable to answer my questions about what I wanted done and what was the most efficient way to have items removed from my credit report that were more than 7 years old. Their hours of operation begin at 8am. I called at 8:30am and I was told their supervisors were not available until after 9am. I called 6 times in one day before I was able to reach a representative in the online department who helped me log in to my account and complete the dispute information myself. I also requested the dispute representative to update my email address and change my password. The representative sent my confirmation information to the wrong email address.

Recently I pulled my credit report through TransUnion and found no score. The report showed I had no positive or negative information. I called customer service and was told it was a technical issue and that I should refresh my browser or try back in a couple of days. With the help of Experian I found out that one of my creditors had reported me deceased. TransUnion's response was ridiculous and their representatives are not knowledgeable about credit reports.

I can not understand TransUnion's method of determining credit score changes. Every credit card I own, I have auto pay set up so that the entire balance is withdrawn from my checking account. My score is usually around 825 but without a single blemish it should be 850. If I happen to charge $200 more one month than I did the previous month I am penalized with a deduction of points, the reason given that my balance increased $200 over the previous month. It seems I am being discouraged from using my credit card for fear of having points deducted.

When I signed in to check my status during a credit card fraud dispute, TransUnion asked me for a one time $1 "fee" to access information I needed. They did not disclose they would then begin billing me just under $20 a month every month. I called several times to cancel the account, tried multiple times online and each time, they make you wait for passwords, transfers to people overseas who work off scripts to provide information. I had one lady who barely spoke English place me on hold indefinitely when I attempted to cancel my account due to "an entire system shutdown". It took me five attempts at 2 hours each to FINALLY cancel my account. I was also pitched to save the account for 10 minutes before the representative finally agreed to let me cancel.

This company hides behind the name Transunion and steals from you. They trick you into a one-time use and then charge you 17.95 month. Beware!

We were moving and wanted a one time check to confirm our credit rating. What we got was a monthly charge of $17.95. The website was inaccurate as to whether our account was frozen, and the link to see a full report did not work either. I spent a half hour with a "english as a second language" representative who was polite but tried to get me to test the features to see if they would work. After insisting a number of times that I just wanted to cancel, she said was done and I would receive an email to confirm this. I am waiting to see the the charge is stopped..It is ironic that a company who is supposed to be protecting you defrauds you in this way.

I pulled my credit report about a year ago and found that this firm had done an account review inquiry. I contacted them and they had said that I had signed up for this credit monitoring service. I said, "show me the contract where I had signed up for this"? Of course they could not produce a signed contract. I pulled another credit report on 7/19/2016 and found that they did an account inquiry three times. Upon my findings, I contacted TransUnion Interactive, Inc. and the customer service agent asked me for my social security number. I responded and stated that asking for my social security number is against the law. I had also stated that they are not allowed to conduct an account inquiry without my written expressed consent.

This review is to warn other consumers to be wary of the shady practices carried out by this business. TransUnion offers an online credit report service. However, they do not make it clear that this is a subscription based service. When signing up for the service they ask for a lot of personal information (naturally enough) - Social security, name, address, DOB, credit card details, etc. They then say that have to charge a fee of $1 to verify your credit card information/identity. What they do not make clear is that this automatically enrolls the consumer in a monthly bill cycle of $19.95 for the membership. This information only shows up in the email receipt for the $1 charge, it is not advertised anywhere on their website (www.transunion.com) or along the enrollment process as far as I can tell.

I signed on to a free trial account to Transunion and, without any notification or approval, they have been fraudulently billing me US$20 a month for two years. I am now trying to figure out how to terminate the account but they make it really difficult. I will NEVER use them again, I will fight to get my money back, and I recommend that you NEVER use them.

PAID Smartmove for a credit, background and eviction check. Missed the FOUR evictions our prospective tenant had. Now are dealing with the enormous waste of time, frustration, and financial loss from their ineptitude. WORTHLESS for tenant screening.

Checking my bank statement and see a charge for $9.95, went back to May and see the same thing... I recently went online to get my Free Credit Report, I don't remember (and am sure I didn't) signing up for this credit monitoring that I'm being charged for. After calling the number on my bank statement and after giving them all of my personal info, the bottom line is that they will keep the first charge of $9.95 and refund me the second charge. How nice of them, after all I didn't sign up knowingly for anything. I believe it must have been hidden or not clearly stated. I don't believe in reoccurring charges on my account, and would have never agreed. And this is a credit bureau doing this!

Apparently I went online once and responded to an offer for a FREE check - just noticed they have been charging me $19/month since February. Will dispute with my credit card company and NEVER use again. There are other options and this was false advertising.

I just found the company get $19.95 from my credit card and so I ask them for refund. They refuse that and tell me I need to cancel the service before I get billed. Wtf? Such stupid company! Even they charge you money, they never send you any email to inform you! Avoid such ** company!

I attempted to get my credit report and was met with a request for a credit card and a temporary transaction for $1. After multiple attempts, I was able to effectively navigate the website in a manner that would get me to my score, but the front page never loaded as designed. It took some time to figure it out, but I eventually accessed the information I paid for. I was able to accomplish this in very short order on the Experian website. The navigation and overall layout was very user-friendly.

I tried to acquire the free credit report that I am entitled to by law and was unable to do so. There are 3 options to obtain your Consumer Disclosure: Online, through mail or by phone. I tried online first, and upon filling out my info, I was told this was not possible. Next I tried mail, because I knew for a fact that their telephone service would take ages. What I found was a link to an application form that didn't work! In summary, they have made it near impossible to get the free credit report that every Canadian is rightfully entitled to. Unethical and unhelpful.

I am applying for a mortgage for a house, and my lender needs to retrieve my credit scores. I temporarily lifted a security freeze on my account for this purpose, but the lender still could not pull the information from TransUnion. Experian and Equifax lifted the freeze as requested. The past couple of days have been awful. I have been given the run around to several departments and yet still my info is still locked. I keep having my lender to keep trying. I've paid two (2) times for this service ($10 a pop) and it has not worked. My lender even placed a three way call to get this resolved. Still no resolution. The TransUnion rep we did talk to... when I could understand her through her accent, kept referring me to the same phone number-automated system I tried before... after asking me a series of security questions! This insufficient and poor customer service is holding up my closing, and I seem to have no recourse.

TransUnion offered a check of our credit for $1.00. Now we are getting billed $19.95 a month. We feel robbed. Not sure if I have stopped this yet. I would never use this con company. They are crooks.

I am so angry at this sneaky unethical company. I signed up with Credit Karma at the suggestion of a friend just to see what info companies had about me and if it was correct. I knew I had a very high credit score, which was confirmed by all three of the participating companies, which provided information for free. But after that, I started getting charges on my credit card every month from TransUnion. I'm a very busy person and I assumed I didn't have time to investigate for several months but when I did I was appalled. I never signed up for their services. I have absolutely no reason to want a service like that. I'm not trying to buy anything or improve my credit rating or anything. They have basically been ripping me off for months. I am now reading reviews by other people who also got caught by their sneaky tactics.

When you signup to "see your credit score", you are really signing up for credit monitoring subscription with a 7 day trial period. Once the trial period is over, they will refuse to refund the money even if you are a day late to cancel the subscription. This is a total scam. This company should not be even trusted with people's SSN and personal information.

I just finished a call to TransUnion because according to Credit Karma, my score dropped because of an account that closed. It just so happens that the account is my mortgage, which was transferred to another mortgage servicing company. I was told by one of TransUnion's "customer service" people that I can't dispute this matter yet because I already have a dispute pending that won't be resolved until July 13, that my score on CK is different from the actual score that he sees in my account, and I had to pay $9.90 to get my accurate score. He wouldn't tell me what my "real" score was because TransUnion used money and resources that needed to be recouped.

Found out I was being billed $19.95 a month for credit monitoring. I don't recall ever signing up for this service, when all I wanted was a credit freeze. Their receipt confirming my purchase in no way indicated that this was a trial... nor that I would be charged $19.95. I called to cancel (they don't make canceling easy) and tried to get some of those charges reversed. I will be contacting my credit card company to do it as they were reluctant. This credit "monitoring" company is a real scam. Stay away!

Noting that the CEO with TransUnion, I allege, has a reputation which precedes him. His reputations was established when his former company ChoicePoint out of GA. They were sued, and paid a huge fine, if they have not appealed it. This company has another credit rating, nothing like the credit agencies we know about. It is called ChoicePoint Assist Property Insurance companies to raise rates; allegedly to increase the rates depending on their ratings.

I signed up to get my "free" credit report in April when I became a victim of identity theft. It stated nowhere that it was a 7-day trial, and it absolutely stated nowhere that you have to pay a 19.95 monthly subscription... This is such a scam and I have no idea how this is legal. It probably said it in fine print so small I would probably need a magnifying glass to read. Seriously, how can a company that shares the industry with only two other companies be this deceptive? I trusted TransUnion but now I will never use any of their services again. The things they offer weren't even useful in any way. Stay away from this company and report them for fraud!

There was a misreporting on the credit report on all 3 credit bureaus. I provided the court document along with the Attorney's letter explaining why it is an error. Experian and Equifax acted immediately and deleted the particular account. Experian acted very fast and the contact experience was very pleasant. Equifax comes next. But TransUnion call center is based outside the USA and call center people cannot understand what we are saying and it is a very unpleasant and then they have a fax number that it took more than 8 hours to get it through. Then I contacted the US office and it is more than 10 days and they do not care and did not act till date.

I've been charged $29.95 by clicking beautiful fancy dangerous buttons through TransUnion website. I've called Bank of America to cancel it but they asked me to reach first merchant (TransUnion). TransUnion not cancelled my order. I don't know what am I supposed to do with credit report. Full waste of money.

It's difficult to get a cancellation like other reviewers have said, but I did cancel it online (though I guess I'll see next month if I really did cancel it or if I'll have to call for a refund). My problem is that I have since started receiving multiple scam calls about my "credit card cancellation", with requests for me to "Press 1" to provide more information about my credit to avoid future cancellations of my "credit card". Considering that I haven't ever received calls like this before (and I only have one credit card that is nowhere being close to cancelled), I find it hard to believe that me cancelling my TransUnion account so soon before receiving these calls is a coincidence (I started receiving these within 2-3 hours after I cancelled this so-called "credit monitoring" service with TransUnion.).

On May 11, 2016, Transunion indicated that my credit score was 730. On May 12, 2016, without any explanation whatsoever, Transunion lower my credit score by 127 points. Please let me know how to go about filing a complaint against TransUnion with the authorities in Pennsylvania. This crooked and corrupt credit bureau must be investigated and put out of business before they damage a person's credit any further.

They took money out of my account without me realizing they were going to charge me, then it was nearly impossible to figure out how to cancel it. I had to do some research via Google! So ridiculous.

TransUnion has taken more than 8 months to report a $35,000 debt that I had paid off, and it is still not reported as paid. This has hurt my credit score. Tried calling and got a person who didn't speak English and I felt didn't understand me, and of course was no help. I am printing out the form and mailing that in. Good thing too because I found so many mistakes on their report. Businesses should stop using TransUnion as a source for information regarding people's credit history. They are too careless and weak. They don't have the technology to keep up with consumers information changes. Equifax has done the job pretty good for a lot longer. Time to give the BIG BOOT to TransUnion.

I was a victim of identity theft. The IRS had this company listed as one to contact for a credit report. I should have known anything the IRS recommended would be bad. I was suppose to be charged for a one-time use... NOT. My credit card has been billed every month since December. My credit card company would not credit my account because TransUnion showed I was using the services. This is such a scam. DO NOT EVER USE THIS COMPANY FOR CREDIT REPORTS!! I had to cancel my credit card and get a new one to stop them from charging me every month.

Ridiculous runaround trying to get a credit freeze removed. First, they say my address doesn't match the one I have on file. Hello! Not my fault! I don't report to you jerks! I send a crap load of documents with proof of address, and they send a generic letter back saying my documentation is insufficient. I try to reach somebody on the phone, and that is not even an option. So, I'm stuck not being able to my credit report, not able to lift a security freeze and not able to reach a person to tell me why I cannot do any of the above. THIS IS THE REASON CREDIT BUREAUS SHOULD BECOME PART OF THE PAST!

Most disgraceful customer experience I've ever been involved with. Indian-based call could not help me satisfy a viable dispute w/ my credit report. They did not inform me that I could create a dispute online which would allow me to auto-upload supporting documents and was then given a fax number which is the ONLY single fax number for the entire organization and received a busy signal for two hours. Sitting at Staples for 2 hours because, again, I was forced to FAX in the information! AVOID THIS SERVICE IF YOU CAN!!!

Save yourself a major headache and do not use this company for your credit reports. Called before trial period ended. Was still charged $19.95. And this was going to be PER MONTH. Called back. Was required to answer a bunch of questions, even my father's name and who he was to me. What does he have to do with anything? He wasn't one of my secret questions. All this time this girl kept interrupting me to say she couldn't understand ME. She was foreign! Last time I checked we spoke English here. I ended up hanging up and called my bank to block any recurring charges from them. Again, DO NOT USE!

I just checked on my credit on CreditKarma.com and noticed I had a poor score with both Equifax and TransUnion due to some collections on my account. I took care of them and both companies changed my report pretty quickly, however, TransUnion still kept my score poor where Equifax gave me a "fair" score. To me this makes a HUGE difference. I am -2 on the TransUnion side for getting to the next level. When I called I got a call center based in India and could not understand a word the woman was saying. Of course when you ask to have someone speak better english they keep repeating themselves because this will only make them look bad if they have to transfer to a supervisor.

I have twice mailed TransUnion letters via certified mail return receipts asking for an original signed contract with my signature verifying items on my report are being reported correctly. They have yet to verify and have not sent any proof. However, these accounts remain on my credit reports. Also listed on my reports is me being a victim of identity theft. If nothing is verifiable it has to be removed. After a third attempt and no response I will be seeking legal action. I am a litigious consumer and know my rights.

Transunion. I have never been so disgusted with a company as I am today. I thought TransUnion would be a place I could trust, but here I find you not only charged me $29+ - plus $1 for? AND today you have taken another $19+ from my account. I may be a disabled veteran but nowhere was it made clear to me how much the expense would be to have YOU help me update my credit information!! What a rip off you are TransUnion! Your version of "helping" me is sucking my money out every week. You have definitely helped me see how a credit reporting agency can even take advantage. So much for a "free trial" time. NOT HAPPY AT ALL.