TransUnion Reviews

As everybody are complaining, it happened to me too. I agree for the charge of $1 to get my credit score but being unaware, agreeing to $1 charge is agreeing to the $17.95 membership fee. I am pretty sure that no one is aware of that because they make it as a default without letting you know that you agree to what they wanted. That is not acceptable as this is going on not only to me but to everyone. Like everyone did, I called them and even spoke to supervisor but they won't be able to refund me because of that agreement they are talking about.

The same thing happen to me. I only wanted to view my credit score. The TransUnion website showed a $1.00 offer and I looked for any additional charges, membership fees, etc... I did not want to have additional future charges or to become a member of anything. 8 days after the $1.00 charge, I noticed an additional $17.00 charge that I did not request. I called TransUnion customer service and was informed that the $1.00 charge was a part of a 7-day free membership and that if I did not cancel my membership that I would be charged an additional monthly fee.

Same as everybody else - $1 turns into $17.95 due to fine print. Most companies want to remain respected; however this one will not work with you to resolve the dispute. I demanded a refund and was not heard. I will never ever ever ever ever do business with TransUnion again. This is the image they would like to have in the business world?!

I should've looked at this website before dealing with TransUnion. I must admit that much of my story is my own fault for not 'meticulously' looking over the website before submitting my order for $1 Credit Reports. I wanted to obtain credit reports for both myself and my wife, and noticed a TransUnion advertisement for $1 reports. I figured that was reasonable and began the process of signing up through their website. As I clicked through each section, I was careful to look for any extra checkboxes or forms that would sign me up for another service, as these websites usually do. Unfortunately, I completely missed the section BELOW the submit button and the small box along the margin of the page that said you would automatically be enrolled for the $17.95 Monitoring Service after 7 days. I clicked Submit.

What Mike described below is true. 2 days ago I signed up for the $1 credit score for 7 days deal. The page clearly stated and I quote: "Your FREE TransUnion Credit Score & $1 Credit Report are available as part of a 7-day trial of our subscription-based credit monitoring service. You may cancel at any time during the trial period. At the end of your 7-day trial, you will be billed at the low cost of only $17.95 per month." So what can go wrong, right?

Searched internet for free credit report and was directed to Trans Union. So I filled out all info and at the end was asked if I wanted to know my credit score for $1. Thought that would be great, so I filled out credit card info and printed report/score and thought that was the end. After getting my credit card statement, found the $1 charge and one for $17.95 both from Trans Union.... I called them and they told me that I signed myself into some credit monitoring membership for $17.95/mo when I wanted my credit score....

They threw a bunch of multiple choices out that do not reflect anything remotely related to me. They're hindering my immediate credit check. What a bunch of slugs. They want me to call my report in and wait 3 weeks. I've read other people having this same issue. The bureau throws out fake multiple choices to scare you into calling - but nothing reflects on the reports. We need to abolish these **.

TransUnion says it will charge you $1 for a credit report. What they do not clearly tell you is that you are signing up for a 7-day free credit reporting trial period. At the end of the seven days, they automatically charge your credit card $17.95 each and every month going forward. I had to call and cancel. Of course the first bill comes on the 10th day after the free 7 days is over and they tell you that you have exceeded the free period and the bill is valid and "THAT YOU AGREED TO IT!!" People are sucked in on the $1 credit report and scammed into the $17.95 a month. I called them and they gave me the runaround about how clear it is on their website...BS. Steer clear of TransUnion... a credit report scam company.

Like another reviewer mentioned. The $1 trial membership that allows you to check your credit score actually signs you up for a $17.95 a month service fee. The service fee isn't described directly below the $1 trial offer so you have to look for it on the page. It also doesn't really provide you with any helpful information even if you get roped into paying for it. I think the service is shady to begin with, and then there is no redeeming value should you get stuck with the service. I received an overdraft as a result, and because I didn't check my account for a week I now have $144.41 in overdraft fees. Transunion won't credit back my account and the customer service reps were not helpful or understanding at all.

Just like most of the others I was online trying to get free credit reports like you are supposed to be able to. I found a place that offer reports for $1 but when I pushed on the button I was re-directed to a transunion site where the only way to access the report was by accepting some kind of free trial. I tried to do it but never got anything, no reports, no nothing. Next thing I know transunion is charging my account for $18.95 and when I call them they are rude and claim there is no way to get my money back even if it was their fault and I got nothing?!?!?!?! What kind of ** is this; they can steal our money for giving us nothing and there are no consequences for them! My only satisfaction is they have stolen something else besides my money and for that I do thank them! They have stolen a bunch of my bad karma along with my money and for that I am grateful because in my youth I have acquired a bit; they are welcome to all they want.

I purchased a credit report for $1 last week. Today, when I checked my credit card I saw that TransUnion charged me $17.95 for a monthly subscription. I was particularly careful looking for the hidden subscription when I signed up, but damn, they are so clever and sleazy about hiding it. Also, the report is completely useless. The only thing that's interesting is the score. Stay AWAY from this terrible company!!!!!

It has been a nightmare dealing with the company, from it tool to customer service reps. The moron supervisor who called himself IVI - his employee ID ** is the worst ** ever (pardon my French). But I am even more ticked off about talking to this trash than the $17.95 they charged me 3 times on the same transaction when I never sign up for the service. I wish this company and employee like him vanished. Such a waste of my time but had to let it be known to everyone else to plan to use their fraudulent site. Avoid Trans Union - and they need fire the customer service supervisor name IVI - employee ID ** - WORST EVER!!!

I also purchased a credit report for $1, and (8) days later later, I was charged $17.95 twice. The charges were charged in my checking account on the eighth day. I called to ask for a refund and they said NO. I then asked for a supervisor, and they said whoever you speak with will give you the same answer. They said because it is past the 7 day period, NO REFUND "but can I help you with something else?" This was less than 4 hours before they opened on the eighth day. I called TransUnion back to inform them what the bank said, yet they maintained that they "cannot refund the transaction" due to company policy. Finally I said, "So what you're telling me is that it's not that you can't refund it but that you won't." He replied, "Yes, that's correct."

I signed up for a 14 day free trial. In 10 days I was charged $17.95. I went online and cancelled it as the offices were closed. They still charged me the $17.95. When I called and talked to someone in customer service they said they could not refund any money. I said that they should at the very least refund a portion of the $17.95. They said they could not. THIS IS A SCAM! STAY AS FAR AWAY FROM TRANSUNION AS YOU CAN!!!

I purchased a credit report for $1, and eight days later, I was charged $17.95. The charge was pending in my checking account on the morning of the eighth day, so I called to ask them to refund that money and cancel my account. They were "unable to refund" the charges because "the transaction was already completed on our end." This was less than nine hours into the eighth day. I called my bank and they assured me that the charge was still processing, and TransUnion would absolutely be able to give me a refund. I called TransUnion back to inform them what the bank said, yet they maintained that they "cannot refund the transaction" due to company policy. Finally I said, "So what you're telling me is that it's not that you can't refund it but that you won't." He replied, "Yes, that's correct."

Just went to TransUnion for my free annual credit report. They only charged me $12.97 for the FREE report. Then when I tried to print it, it corrupted my computer system. I reloaded and tried again and once more corruption. I went to the local library and used theirs and theirs too was corrupted by the report.

All another unsatisfied customer. It is impossible to cancel, and there is a no refund policy. Also this Transunion.com is not even the actual Bureau. It is credit report.com. Here is my experience: I was snail mailed a letter to update my address information, and instructed to go through their website. Well I did, received the terms and conditions that I will get charged within 7 day. I tried to cancel per support chat. They said they would email me my confirmation. I did not receive it and checking my CC statement I saw the charged.

Credit card and Identity theft monitoring - I spend three hours trying to get this useful tool but instead, they weren't able to do anything. Supervisors Lisa #** was the worst. She even tried to cut me short in my conversation with her asking me over and over if I need assistance or not!!! otherwise have a nice day. The other supervisor's name was Ivan #**. This individual told me that my credit card has been locked out and they weren't able to even see my credit card number on file. I was deducted $18.46 five times in my prime bank account. Lisa asked me to use another credit card otherwise....... "Sorry, I can't help you." Last week was the same thing. And guess what? Now I feel threat because the first thing that they ask you is "what is your SS#?" I will really like an answer and an apology from all these people and also from TRANS UNION.

A debt collector agreed to remove a listing so I sent a certified letter, with documentation, to Trans Union in July 2013. Five months later, they never responded with a letter of explanation or a credit report proving the item was deleted. I finally called them in December, and I of course got some foreigner who said they didn't have to send a report or respond. He put me on hold supposedly the all important "supervisor" and it was the same guy! He refused to send a credit report and said they didn't have to send any written response - this was when I reminded the idiot that by FCRA laws, they have to respond in writing in 30 days as to their determination. So far, I haven't had any luck getting a lawyer to return my calls or be willing to take this case, and I've called/emailed 3 firms as of this date.

What a scam! We had to go on the three big credit reporting companies to dispute some things on the reports. Tried to cancel them twice and they are still taking money out of our account. They claim to have no record of us canceling. Very difficult to understand the foreign accents, they are also rude. My advice is if you don't have to go on their sites, don't. Never would have thought it'd be so difficult to deal with these companies.

So my biggest pet peeve is when a service has you fill out information after and tell you that there will be a "trial" and then charge you after a trial is done. I always end canceling it or not going to the confirmation page which is what I did in this situation. Flash forward seven months or so and my account has become overdrawn due to this company. So I called my bank to figure out what happened and they informed me that it had been going on since May. It's November for those wondering. SO I called the main branch and after asking for my info (which I really didn't want to give) then explaining that I never confirmed to this, they informed me that it was done through a subsidiary of their company and I had to call another department (couldn't be transferred). So I call them and after asking for the same information, they state the only way to get my money back is to report fraud. Not only is this complete madness, but the associate that took my call got snippy with me. I informed him that not only would I be filing a report, I would be contacting my lawyer.

I wanted to purchase a three credit bureau report from them because it would be cheaper than having to get it from Experian and when authorized the charge to my credit card, they ended up reactivating this membership I had had as part of a free trial a few months ago for 17 dollars. I had to pay that first before being able to access my three scores. What a scam. I'm never doing business with this evil company again and I am cancelling my service as soon as possible and requesting a refund. It's false advertising and a huge disservice to customers everywhere.

I started the application process, working through the site's clunky interface and submitted my payment with a Bank of America Visa debit card. After submitting my payment (not sure why this page isn't provided or to submitting payment) there is a confirmation screen allowing you to do edits. I made an edit and hit done... I was then bought back to the main screen essentially where I started. There was no record or history of the application I completed. I checked my bank account and sure enough there was a pending charge.

I signed up for the seven-day free trial. On the website, I could not locate the phone number I had to call to cancel it. The next day I could not reenter the site nor any day after that. I called TransUnion multiple times and was told that I did not exist in their system. Well I didn't exist nor could I access my information until they decided to charge me. I received their merchant number from my bank to call and try to talk to them. They were very, very rude and told me that I never called them, but how TransUnion would it show that I called you when you told me I do not exist in your system. They also said I never tried to log back on. They essentially called me a liar and were very rude about the whole thing and talked circles. I will never use TransUnion again and wouldn't suggest that anyone else does. It seems like they run a scam.

I signed up for a FREE 7-day trial for $18.45 and canceled on the 6th day. The agent gave me a cancellation number - so everything seemed to be going smoothly. Only the refund never hit my account. So I called with my cancellation number and all valid information - only to be told that I didn't sign up for the free 7-day trial! They refused to refund my account and further even misquoted what I had paid ($16.45 instead of the $18.45). Lousy experience, had to refute the charge.

I was referred to the Trans Union office in Fullerton, California (1561 Orangethorpe) by my legal document preparer and a friend. Yelp also had good reviews. I was on the street, and even my GPS couldn't locate the building. I was less than 1/2 mile away, I found out. I called and the clerk (heavy Indian accent) answered with the name "Chester". I asked for the major cross-streets because I would like to come in to get my credit report. He asked for my information and that he would mail it and I would receive it in 7 to 9 days. I said, “No thanks, I wanted to pick it up today.”

BEWARE, TRANSUNION SMARTMOVE IS RUBBISH. Let's start here: ** 440 million mistakes, 20 million significant mistakes.

This company is horrible. I put a freeze on my credit because someone had tried to use my identity. I wanted to stop it before they did any damage. I went to all three agencies and did everything online, then called less than a hour afterwards to make sure it was done correctly. I asked to have copies of everything sent to me. I confirmed all my information. I called Trans Union because I didn't receive my pin or any letter at all. First they said I had to wait longer. A month later I called again and they told me all my information was mailed to another address. Not the one I gave them online or the one I repeated every phone call. They won't tell me what address it was or why it was sent there but if I want the information, that they sent to wrong place, I have to mail them copies of several documents and wait for them to review it and decide if they should give me my information. Not only was the man I spoke to rude, I could hardly understand him, he would let me speak to anyone else and he threaten to hang up on me more than once.

Trans Union advised American Express to reduce my credit for no reason. I tried to get my credit score online so they had me give them all my information including my SIM before asking me to pay $16.5 dollars which I didn't accept. Now I am afraid they would use my information to steal my identity. I accuse Transunion.ca for any mishandling of my personal information and advise everybody to not use their "services". I don't know how credit cards such as American Express take in consideration their false credit report.

This is our credit profiles that this company is in control of! And they couldn't care less about you! We were trying for MONTHS to get our free annual report and unsuccessful. The website said error and call an 800#, so we did. They said we couldn't have one because we already got one online and pretty much too bad you should have printed it. Yet, it was never received. Finally after 8 weeks of calling, we were able to find someone to talk to that sent us the report. (Mind you, there is only one # that you can actually get a human to talk to you, albeit someone with a terribly strong Indian accent.) So, we FINALLY get the report in the mail and we try to make disputes...We are told "No, you cannot dispute that." After talking to literally 4 other people who claim to be the supervisor, I FINALLY get someone who speaks CLEARLY without a strong accent and she in fact says she will send the dispute. Now, we will see if it happens! The other two agencies, Experian and Equifax, both dispute the issue and it was removed from my reports...but this company seems to make up their own "laws" about the Fair Credit Reporting Act!

I am trying to establish good credit and have been doing real good till I stopped paying Trans Union for info then it started falling, even though my situation has improved on my credit. I must believe at this point that the business model is set up to deceive and extort.

Worst Company Service. I requested a copy of my annual report. I could not get it online. I had to call, they verified some information... then they told me I could now sign in and get my report. 19 days later they charged my credit card $16.95 and tell me that the only way I could have been charged was the fact I filled out the information online. Correct, I did fill out the information online... However, I did not get my report unless I spoke with them because they were having difficulty with the online application. That being said, I had explained to the person that verified me, I only wanted the annual FREE report. Not at anytime did this person say I was being locked into some darn Credit Monitoring Service that I did not want. Had she told me that, I would have cancelled the service. Their way of getting your $16.95 is to have you call in so they can activate and then charge you without telling you, and saying you are not due a refund..... I'm being very nice right about now.

I was a victim of identity theft, and immediately filed a police report and initiated security freezes with all 3 bureaus. In my state, crime victims are entitled to a "free" security freeze. When I filed, however, I was charged $10 by all the bureaus and told to submit my police report and documentation when I could. I mailed everything in they asked for. The other 2 bureaus were quick to refund, but nothing ever came from TransUnion. I finally called them and they said that because I didn't submit the police report at the same time as filing the freeze, they would not give me a refund.

Three telephone calls to correct login data were unsuccessful. The customer service person said she was emailing a new password but the new password was rejected or she didn't send it. It's impossible to review their credit data about me.

I accepted a membership with TransUnion. When I go to log in, it says my log in info is incorrect so twice I called them. First, they said not to use Internet Explorer so I tried Firefox. It worked, then I went to log in again with both IE and Firefox neither worked. I contacted TransUnion. First, they tried to use my browser as an excuse... I told them I used both browsers... then she told me it was a problem with their system. I asked if I could cancel my membership. She said to call back in 30 minutes. What do I do?

My student loan lender had reported my loan with delinquencies and apparently Transunion choose to list it as an Adverse Account. And it will remain listed this way for the length of seven years. I called my lender to ask why they reported my account as an adverse account and they say that it wasn't them yet they won't write a letter on my behalf to help me get it corrected nor will Transunion correct it with out an approval from the lender. I was told by a mortgage company that I will have extreme difficulty buying a home. Neither the lender nor Transunion are interested in helping me correct this to obtain a home.

I ordered a free 7-day trial of this product on 7/19/13 along with an Experian product to compare. When I contacted Experian they just simply cancelled the product. Upon contacting TransUnion I was provided instructions via an automated system which directed me to use online for cancellation on 7/29/13. Upon trying to access the product after having been charged and paid for for 30 days, I was denied access to the product. Called in to check to see if I was being refunded the $16.95. Was denied by representatives and supervisor both access to product or refund.

In MA, we are allowed free Credit Reports each year from all three bureaus. Trans Union is the only one that gives consumers a hard time. Deliberately put wrong info on report, so personal info will not come up to print out the report, this allows them to give you the phone info on calling the 800 number where you are told to order by phone and it will be 4-8 weeks before it arrives. Instead of report arriving, you get a letter stating they want to charge you a fee. This is one of the worst companies in scamming the consumer. It's hard to believe they are allowed to handle your personal information. They seem to like to cheat disabled, seniors and low income. I refuse to put myself through it. What I wanted I got from the other 2 bureaus that had info. Both are well handled, make it easy to get your info and have the correction info on file from the choices to get the report and print. Do not expect much from this Co. What a mess up.

On May 9, 2013 I ran my Trans Union credit report and score on myFico.com. My score was 785. On June 11, 2013 I ran my Trans Union credit report and score again on myFico.com. I noticed my score had dropped 70 points to 715. I reviewed my credit report and was outraged that one of my lenders was reporting me as being 120 days late. I knew this was wrong, so I promptly called the lender. The lender said that I was NOT behind. In fact, I had NEVER been behind AND I had a $0.00 balance with them for several months. They said they would get the invalid information removed from my credit report. After speaking with the lender, I also called Trans Union and filed a dispute.

I joined the monitoring system to get my credit score and, in one month, my score dropped because I canceled it. Nothing else happened. I wasn't late and I have been getting my credit card balance down.

I set up an account with TransUnion over a year ago to get my credit score. As one of their marketing ploys, they offered for me to get my credit report from all 3 agencies through them at any time for a monthly fee. After a year of not using the service, I decided to log on to check my credit score. Big surprise, I couldn't!! I called customer service 3 times and was told that the website was being worked on, or that I needed to use a different browser. Each time, I was assured that a representative would contact me shortly to resolve the issue. No one ever did. After almost two weeks, I called and canceled the service, but it makes me mad that I've paid for a service for almost a year that I couldn't even use one time. Their business practices are totally unethical and the credit scoring system is a scam on the American public.

I have bad credit and it went down even further. So I checked my "free" (HA!) credit report, got charged auto for $16.95. I called on day 2 to cancel, but the woman told me the system was down and to call back. I did on Monday which was 8 days later even though they were not answering. So I called again and the woman, whose English was so-so, kept trying to sell me a cheaper plan if I didn't cancel even though I had explained several times that I could not afford this and I needed a refund badly as I was charged wrongfully. When she did this a few times, I kept asking for a manager. When she finally "transferred" me, I got a recording that said sorry you’re having trouble and GOODBYE! WTF!!!

In my experience, and after comparing my three credit reports side-by-side, as well as speaking with them in person, it is my opinion that TransUnion has a lot of improvement to be working on. They seem to let just anyone that says they are a business (no license checks) report on your individual credit. Over the years, I have had to dispute multiple bogus bad credit claims on my report from companies that are not even licensed reporters of credit, no less licensed to do business in my State! They also do not move very quickly when asked to clean up bad/old addresses or personal profile data when errors are reported! There really should be ONLY ONE credit reporting bureau in the U.S. It needs to be regulated much more tightly!

After signing up and providing credit card details for a FREE 7-day trial, I canceled my subscription online. Next day, Trans Union charged my credit card $18.31 monthly without my authorization for 5 months before I caught on to this Bait and Switch operation. Congress needs to stop these FRAUDS from stealing money from ordinary people. The law provides for a FREE yearly review, NOT signing up to getting ripped-off. TRANS UNION IS A BUNCH OF FRAUDS. Beware. DO NOT SIGNUP for a FREE TRIAL. They are the crooks, not us.

I called Trans Union to complain about a negative report. I was trying to explain to the gentleman behind the phone, but he just started talking to me in a loud voice with a temper as if I was one of his employees. I screamed at him telling him, “How dare you shout at people. Who do you think you are?” He was shocked by me and tried to apologize, but I went off on him and told him, “I will call the Consumer Affairs and report you.” He was afraid and tried to tell me that he wasn't shouting at me, but trying to explain the report. I am so pissed from that guy that I took his name, and I'M going to report him as a discrimination affair and want him out from talking to people. They think they could do whatever they want. The hell with them and their credit report. There should be another way to get your financial history.

I ruined my credit at a young age, and I thought it would be a good opportunity to get an idea as to where I stand with my credit, as there are a few major life events taking place in the near future. I am usually very protective of such information, and after I had done my research, the company seemed pretty safe. I provided many details and was trying to use TransUnion services to check credit score. From the start, I had many issues, and services were not provided; however, I was charged an astronomical amount. Their website says everyone has a right to access the information, but once you send them money, the company treats people like garbage. Doesn't seem like I will be getting a refund or any services in return other than headaches and hassles. A credit company?? More like thieves and frauds in my opinion.

I was directed to their website from the Federal Trade Commission to get a credit score. I signed up for the 7-day trial period. I thought I was signing up for the $7.95 product but got billed for $16.95. My trial ended on Saturday and I called them on Monday to cancel my membership. They were not able to refund my money. I do not think they conduct their business in an open and fair manner. I am upset about the fact that they have a link on the Federal Trade Commission website, which is a government website. The FTC needs to stop supporting such parasitic business practices.

I signed up for the TransUnion "free" trial. Then, within a few minutes, I found out how to obtain my credit reports for free without the use of a service. I canceled my subscription via telephone the same day I signed up, but I was billed for $16.95 anyway. I will be contacting them, but as I see from previous reports, I am not confident I will be receiving any refund.

For the last few years, I have not been able to acquire my TransUnion report online. I am ALWAYS asked stupid questions that I have nothing to do with - which house did you live, AK, LA, IN, OH? Umm, no, none of those. I called them last week to try and get the information corrected and I could not understand the discussion. I thought the fellow asked me how he could help me. I asked him to remove an address they have on their report because I have never lived there; there is a shopping mall at that address. He then told me it was done; he was going to send something to me and he needed my credit card.

I have been a victim of identity fraud and several credit card accounts were fraudulently opened with my information. I have filed a police report with the Orange County Sheriff's department on 3/24/13 and I also contacted TransUnion to dispute the items as fraudulent. On April 9th, I provided TransUnion with a copy of the police report filed along with copies of my identification. Those documents were received by TransUnion on April 13th. By law, under the FRCA 605 (B), the credit bureau has 4 days to block or delete those accounts from my credit report. I have contacted TransUnion on several occasions and they refuse to block the accounts as required by law under the FCRA 605(b). On one occasion, the representative hung up on me and refused to transfer me to a supervisor. On another occasion, the representative kept me on hold and never returned.

As mentioned with any other posts, they get you to do a free 7-day trial to see a score. Then if you don't cancel, you are screwed. I was charged $39.95 for one single ** month? They won't refund, but say they will cancel it for me. Sure, so take my money. They don't offer any service. Stay away from Transylvania Union - ** bloodsuckers.

My Chapter 7 bankruptcy discharge order is dated December 2011 and TransUnion still does not have it on my credit report. While Experian and Equifax are raising my credit scores due to paid off "credit rebuilding" unsecured loans and charged off accounts due to the correctly reported bankruptcy discharge, TransUnion is reporting a Chapter 13 ongoing bankruptcy, delinquent accounts and claims the Federal Government never reported the Chapter 7 bankruptcy discharge to them. This was odd, considering the other two agencies seemed to receive it just fine and dandy.

I tried to obtain a free copy of my credit report online as I do some years. The last time I obtained a free credit report from any of the credit reporting agencies was in 2010. Today, April 3, 2013, they said that I already obtained them. I was only able to get the credit report from Experian. I want my free credit report.

The free report requires you to sign up for an extended credit monitoring service. I thought, by law, you could request one free report each year. Nowhere on the site does it allow you to do this without signing up for ongoing monitoring at a cost. Free is not free.

I signed up with TransUnion Credit Monitoring Services. Each month, I pay the $14.95 plus taxes to monitor my credit and keep tabs on my score. I recently applied for a mortgage. I pre-qualified based on my income and self-reported credit score. When the lender started the process for pre-approval, the amount and interest rate were much different than what I was prequalified for. My lender actually provided me the Kroll Factual Data report they use to determine risk. Much to my surprise, the scores listed by TransUnion, Equifax & Experian were almost 100 points less than the numbers represented to me on my TransUnion account. Note that I ran my credit in February 2013 to get my latest score and rating.

They get you with their free trial. There is no way to cancel through online account! They refuse to give a refund saying they provided the services as agreed. There is no mention on their site that you need to call them to cancel the service! I was told that it was up to me to call them to cancel.

I tried to get my annual credit report online from Trans Union. But after filling their form out, I was denied access to it and told to fill out a form by mail. When I requested it by mail, I received a letter stating they were unable to locate credit report and to send in copies of forms to prove current address, poof of SSI number, proof of birth, etc. Included with this letter was an ad offering their credit monitoring service. Looks to me as though someone needs to monitor Trans Union. Not the first time I've had problems with Trans Union. I've had trouble several times getting misinformation removed from my report. I don't think they check or verify the information they use on the reports. Never had these problems or getting information on my reports corrected with the other credit bureaus or getting my report.

Completely agree with everyone else's experience with Trans Union, which unfortunately seems to be a favorite of many lenders and credit card issuers. My guess is that they charge less for inquiries than the other big two do. The deal about the security questions also applied to me. The questions are ridiculously incorrect. I almost signed up for one of their trials, but ran away when I scoured the site for how much it would cost me later. Couldn't find it. I would recommend everyone do that same thing. Run. I went to the other 2 companies immediately afterwards and had a very pleasant experience - getting what info I wanted within minutes. Since these jokers are playing with our information, they need to be held to a very high standard - just as they do with our credit ratings.

I just received a decline to raise my credit limit by $2,500. The reason? Trans Union is saying my credit score is 649. They say that this is due to serious delinquency, proportion of balance to credit limits, time since delinquency is too recent or unknown, too few accounts paid as agreed, and too many inquiries last 12 months. They wrote that if I have questions regarding my score, I can contact Trans Union Consumer Relations. I logged on and the only option was to purchase one of their several plans to look at my score. However, I know they must give me a fee report.

I was getting ready to buy a new car, so I requested my credit reports in August and September. After I got my car, I cancelled all of these services or so I thought. I know that I called and cancelled all of the credit companies’ services, when I got the first charges on my credit card. I just got a new phone that I guess has newer features keeping track of my spending. Today, I got a message telling me that Trans Union charged me $16.95. As I remember, companies like these charge on a monthly basis. Trans Union is one that I know for a fact I cancelled on Oct. 13th, 2012. I sure wish I would have known that I have been paying $16.95 a month for a service I cancelled and do not use. What a waste of money.

Like most people here, I signed up for free trial and then when I tried to get my free report/print it the very next day, they charged me saying I'd upgraded. They charged my card $29.99! There's no way I'd pay for something I know I can get for free! This is a major scam. And canceling the 7-day free trial is tricky too! I will do more research to try to get my money back! Stay away.

I recently applied for a credit card with Capitol One and I received the following response from them on 1/26/2013: "Based on the credit report from TransUnion for Jacob **, applicant is reported as deceased." I do not know how they arrived at this conclusion since I am alive and quite well and I am wondering how long this information has been passed around to companies that requested copies of my credit history/scores and what negative impact it has had on my scores. I am very angry with this and I would like to know how they are going to correct this and what recourse I have, to make this company accountable for giving out false information.

Today, I was turned down by a respectable organization, Chase Manhattan, for failing to answer the credit questions provided by yes, you guessed it, TransUnion. I rung Chase Manhattan to explain there must be a mistake and was told "Nothing we can do." After 4 transfers and I getting angry, the Chase organization finally told me the problem must be with the TransUnion data. Chase gave me a number to ring and sort it out. This I tried to do! Of course, TransUnion has off-shored its work to Bombay (I know this as I have worked with the Indian companies and got him to admit it). I explained the issue, and he told me he can help but first I must pass the identity questions to prove it was me! This made me even more angry because of course I failed the questions because their data is inaccurate!

About 6 months ago, I got all 3 of my credit reports, Experian & Equifax were almost perfect (just minor inaccuracies) but TransUnion has got several inaccuracies on my report - employers, addresses, accounts, balances, etc. I tried to go through all the hoops for getting them corrected by online, calling & writing. As of now, they have not corrected anything on my report.

We applied for a car loan, and Trans Union reported me as being dead. When I called them, they asked me why I had reported my self dead. I said I had not and that I was trying to buy a vehicle and this showed up. The other 2 credit unions don't show me as being deceased. I asked what could be done. They want proof of my social security card, my driver's license copied and 2 pieces of proof to show that I live at my current address, and a form 2548 from Social Security which is a form for disability. When I asked how long this will take, I was told 3 to 4 weeks.

I attempted to cancel and the CSR told me that she had to have all 16 digits of my cc number plus my social security, ex-employers and address to cancel the account. I supplied everything but the cc number - they would not cancel and I have incurred four $16.95 charges. They won't work with me, so I'm going to report the card as stolen. I'm shocked that nobody has stopped TransUnion as of yet. These guys are crooks and shady.

In January, I pulled my credit report from all three credit reporting agencies. Everything was correct. In July, I received a call from Discover Card indicating that they were suspending my account because 13 derogatory accounts had just been posted to my TransUnion credit report. Some of the accounts were as old as 2006 and several were in collection. None of these accounts appeared on either my Experian or Equifax reports, only TransUnion. As a result, TransUnion lowered my credit score by 200 points to 559 which also stalled my mortgage refinance as I was no longer considered credit worthy.

I discovered that TransUnion charged my credit card $16.95 for some credit monitoring service. I never applied for, never contacted. never used and never authorized any product or service from this slimy company. The CSR refused to refund charges although they have absolutely no basis for charge and certainly no record of my ever even logging onto their site. States Attorney Generals and class action suit are the only likely ways to stop these crooks. Call the largest law firm in your area which handles class action suits. When they get enough calls, one or more of them will slam these slimeballs with multimillion-dollar action, which they'll easily win.

I don't know why Trans Union took $16.98 off my credit card or how they even got my credit card info. But they took that money off of my card and I want it back! Now!

The only one of three credit bureaus that make their money by cheating citizens of their money. They force you to sign up for a free trial to get your credit score. After the seven-day trial is up, they charged you monthly for a credit tracking service. Trans Union is a scam. Compared to Experian and Equifax, they are immoral.

My nightmare started with TransUnion when I accepted a 7 day free trial from a mobile app for rewards. I had no intention to sign up for their credit report program! According to the offer, I would get a "free" credit report. However, when I pulled the credit report, my credit card was immediately charged $29.95! I called TransUnion only to find out that the "free" credit report was not a benefit of the 7 day free trial! So, I had no choice but to accept the charges. I told the representative that I definitely wanted the 7 day free trial cancelled!

I ordered my report and yes, got sucked into a monthly payment off my credit card. Here's my beef. I did have a parking ticket on my file from years ago for 50 bucks and paid it, sent the receipts in and they acknowledged it paid but it is not showing it paid, liars. Also, I had paid all my other accounts as agreed (even up to 13 years ago) and now it is showing too much credit which is negatively affecting my account score.

I was turned down by my mortgage company and the notice stated they based their decision on TransUnion's information they have on me. They gave me a 518 score. I am entitled to a free credit report within 60 days of the mortgage company’s decision. I went online to TransUnion to get a free copy of the report, but they are forcing you to sign on to some kind of $16.95 per month service! This is robbery. I want a free credit report and I’m not going to be forced into something I do not want! TransUnion needs to be completely investigated and exposed.

My husband and I are refinancing our home. Broker ran a credit report and all came back fine except for mine from TransUnion, which states I had a judgment against me. I was stunned and know nothing about it. I went to the site recommended by the Federal Trade Commission to obtain my free credit report from the three agencies. I received two of them online with no problem. TransUnion kept saying it was unable to provide it to me, after asking me a lot of silly questions.

Why does everyone use Transunion? Their credit report is full of lies. I worked almost 29 years with AT&T. It has me with about four. It shows me retired. How could someone with four years retire? I had a bankruptcy that was dismissed and they still show everything wrong on the report. There had to be a class action suit against them somewhere. They should have an F rating for all the lies and problems they put consumers through, especially when a person is 65. It should be considered elder abuse to lie about a person. Then, they did not give me a way to contact them or change the wrong. They should not be in the credit report business when people's lives depend on their results. They especially seem prejudiced against females, because I compared my husband's report with mine. Are you the right agency to contact?

I filed a complaint with them on 5/22/2012 in regards to joint account with 0 balance that in Trans Union showed as authorized user with balance of $540. I received a letter from them with the result account deletion (which means that this account can't be reinserted into credit report even if it's reported). I called them to ask why the investigation finished so fast (the creditor has 30 days to respond, their investigation ended the same day). They responded that Chase asked them to delete (I spoke to Chase throughout the whole month before the dispute, during and after, and they said they reported the information). I asked them to put that in writing that the creditor, instead of correcting, asked them to delete and they refused to do that.

I applied for a 30-day free trial period to monitor my credit and get my free credit score for $16.95 per month, which I can cancel at any time. Next thing I know, I have my credit card debited for $55.80 within the hour. Thinking that there was an error, I called customer service to have this fee reversed. What a surprise. They told me how I had individually selected an additional 3 more service reports. I responded by saying that there were no fees stated or agreed to on their website. Before you can log in for this free trial period and the $16.95 per month charge thereafter, they get your credit card information and then add on all of these additional fees without your knowledge.

I signed up with TransUnion to get my free credit report. I had to sign up for a membership, which would cost money after the first week, but they stated that I could cancel anytime before that week to avoid being charged. They give you an 800 number to call and cancel, but when I call the number, there is no way to cancel. I've been charged once, and don't want to incur another charge, but they make it impossible to cancel. What can I do?

I went to the TransUnion site through the government Free Credit Report website. I got the report pulled up and went to select "printer-friendly version" locked the Explorer session tight as a drum, couldn't print, couldn't escape, couldn't save. What a racket these folks have going. I tried to go back through, and yeah, you guessed it. The TransUnion site stated I'd already gotten my annual report. They would, of course, be happy to furnish another if I paid. If congress would get off its lazy ** and really do something for the consumer, perhaps these blood suckers might actually have to provide a contact number. What a racket.

When I ordered my credit report from TransUnion, they required that I sign up for a membership at a monthly cost. They also indicated that I could cancel this membership within 30 days of signing up and not be charged, but I had to sign up for the membership in order to get my credit report. They provided a phone number to call to cancel this membership: 800-888-4213, but when I called this number the voice/menu system only allowed me to order a credit report. There was no provision to cancel my membership or talk with a live operator. I could only order a credit report, and if that is not what I chose to do, a recording played that stated: "We are unable to process this call at this time. Please call again later."

For the last year, I have been trying to find out what my credit score is. Every time I log in Transunion, it says that for security reasons, they cannot display my score. When I call customer service and ask them why, they do not give an honest reason. I am tired of this. I feel their customer service needs immediate improvement. I feel insecure because they have all of my information and I feel that identity theft can occur. Can you please help?

I ordered my credit score and credit report but they couldn't get enough information to pull out my credit file. They told me all I can do is phone in to get a credit report for free but not my credit score. Customer service said the only way I could get my credit score from them is to order it online which they said I couldn't do because again, they couldn't get enough information. They told me there is nothing I can do to be able to order online. The only way for me to get my credit score was if I got a lender to tell me when they do a background check on me. I really wanted to see my credit score.

I had a federal tax lien for $919 that was paid in full and released. After I disputed to have the status changed to paid and released with a zero balance, TransUnion reported back saying I owe $473,000 on the lien. I called twice and faxed them the IRS lien release form 668 with the same docket number, and a screen printout from the clerk of court that it was cancelled. They insist I owe almost half a million! This is such a derogatory report. I will sue them if I lose my job.

I keep getting alerts that on my Trans Union credit report, someone added other SS numbers and new credit items that are not mine. I cannot get access to my TR report, online access is blocked and customer service says they are working on the problem. It has been 3+ weeks. Their fraud department will not answer my questions and they will not let me dispute these errors which are greatly affecting my report and score.

A civil judgment in Queens County, NY Civil Court was rendered against me on 3/5/2010, and I was subsequently vacated on 9/17/2010. When I noticed that Trans Union was still reporting the judgment on my credit report on 3/5/2012, I sent Trans Union the Notice of Disposition from the courthouse which proved the judgment was vacated; and I asked Trans Union to remove the judgment from my credit report. On 3/12/2012, I received a letter back from Trans Union which stated that they verified the judgment was accurate, and they refused to remove it.

I called Trans Union today to ask a question about my file. There is an address on my account that I believe was reported, but the company who I believe set up a fake loan in my name. The address wasn't even a real address, it was a post office box number (a red flag should have shown up there). They told me that anyone can report any address to my account and report anything and that they have no way of knowing who it was since it was reported electronically and that they just assume that it is a person/organization that has permission to access my file.

This product sucks. My score shows an increase of 20 points up from last week. I told this to a mortgage broker who is helping me buy a home. He ran my credit. So called TransUnion (true credit) has my score less 23 points. How the hell could it be? This product is a scam. That’s why I cancelled.

Trans Union is the biggest scam for a credit reporting company I have ever seen. My trans score just dropped for these reasons: 1. Too many serious delinquencies (Reason 24). I have had one delinquency in the past 10 years; 2. Too many inquiries (Reason 22). I just did a refi on my house with my own mortgage company. They ran a credit check; 3. Too few satisfactory mortgage accounts (Reason 46). They are joking right? In the mid 90s, I had and paid off a house. I bought another one. I paid that off early 2000. I bought a third house and have been living in it for over five years. That is 20 years of mortgages by my count. What is their good number? 4. Bankcard account balances are too high in proportion to credit limits (Reason 06). Over half of my credit cards are empty. My ratio is at about 25% according to anyone in banking that is outstanding. Don't ever give the frauds in this company a dime for their reports. They should go to jail for screwing with people's credit scores. For these reasons, they tank my score.

Online Tabs to view credit reports lead to spam and advertisement. Checking back on TransUnion to see my credit report is a game. TransUnion should be reported to Better Business Bureau for keeping personal information, like how many hours I stay online a week. How does that affect my credit? All tabs on their online sites don't get you anywhere near the information you need to see your credit. Their website is deliberately set-up to send you in circles. The government regulates everything else...what happened to monitoring these credit sites?

I tried to freeze my credit and these clowns asked me to verify my identity (that I had just entered) then they changed my security question to something I never answered. Then when I couldn't answer the question that they never asked me, they said they couldn't verify my identity. At some point, incompetence becomes criminal.

I went to annualcreditreport.com and was transferred to TransUnion. I jumped through all their "hoops", - answering ridiculous questions from 15 years ago- I don't remember all that crap. They gave me something that is not ancient. Then when I did get through correctly, they tried to send me back to "annualcreditreport.com", to request a free credit report! Amazing.

Trans Union has falsely reported a judgement against me, in lieu of magistrate records. When I attempted to correct the mistake, I found that they have made it impossible to get anywhere. I'm not being able to speak to anyone. I attempted an online dispute, only to find an error that is in-surpassable, and it locked me out of my free report, so I have no way of printing this or going back into their site (it will require a username, which was the error.-I tried striking random keys, 17 characters long, after the 15th rejection, and was still told the name had been used by someone else). This is fraud? Who holds these people accountable? They have far too much influence on the lives of people, to be allowed to operate this way. Where is our government?

I attempted to acquire my annual credit report. However, they never allowed me to retrieve my report number. In my attempt to create a login account, it stated one was already created. However, when I tried to retrieve the "already" created account it would not accept my social and last name. My last attempt was to create a new account which the TransUnion website then told me I already got my credit report. I have called several times with no help. How do I know someone else is using my information? They don’t help at all. I didn’t have this trouble from Experian and Equifax. Question: who owns TransUnion and how do we know that they do this for the purpose of making us purchase their product and denying us the consumer the legal right to acquire our annual credit report? Thank you.

I requested my credit report several years ago from Trans Union. They sent me all the wrong information about me, include the address, credit card. They mistakenly added another person's credit history into mine. I had to call them several times and took about a month to correct all that wrong information. This year, about four weeks ago, I requested my credit report again and today, I got the report and found this time even worse. They changed my name, added another mortgage and had another five wrong addressed into my history. They didn't protect consumer's right. They hurt the consumer. I just want know why this kind of service is still in practice and why government still allow this company to exist?

I am in the process of trying to purchase a home. I tried to order my Trans Union credit report online on 1/27/2012 at which time I called and ordered a copy to be mailed to me from their automated service. I have received my credit report dated 1/31/2012 and there are several items that are incorrect, including my address. I have tried to log onto their website to file a discrepancy and I keep getting told my birthday is incorrect. I have in turn called the number they told me to call. This person was unable to help me and gave me another number. I called and this person was also unable to help and has given me a 3rd number. I cannot access my information, and cannot get help from anyone at Trans Union. They are responsible for my getting a loan and at this time their information is incorrect. I don't know where else to turn to. I am angry and frustrated at the practices of this agency. The other 2 credit bureaus have been easily accessible and have addressed any issues within 30 days. I don't understand how this company is still in business with these practices.

I had checked my bank statement this morning and you had taken $12.99 from my checking account this morning. I in no way requested any service or even looked at your web-site. I need to know exactly what is going on here. I had never even heard of your company until now. Please contact me with the details of this transaction. Thank you.

Their website home page has a bright orange button that says "Get your FREE score CLICK HERE". On the following page it takes your personal information and "You've chosen Credit Monitoring with a FREE Credit Score 7-day Free Trial, then $14.95/month". At no time did I choose that service. I clicked for my FREE credit score. It "added" that service and was not my choice. Then I was billed without any warning of a "trial period" ending.

Something was put on my credit report that I had no knowledge of nor did I partake in. I would like for the problem to be resolved immediately.

I went to get my free report every year as allowed by law, and this son of their virgin mothers sent me to another site, to pay almost 30 dollars. Because their site was crooked , programing they did, and I don't do programing every day so I had to pay for my record. The other three stooges were fine, but this mother of the devils did me no good. The president or manager of Trans Union is a crook or a bandit, it shows nothing good to me. Please post my understanding, they neglected me.

I went to the Trans Union website to get a free copy of my credit report which I am legally entitled to once a year. In order to get a copy of the report you have to give them your credit card information and they automatically sign you up for a credit monitoring service that you have to call them within 7 days to cancel. I didn't want it and only wanted my credit report but the only way I could get it was to sign up. I tried to call immediately to cancel the membership within 7 days, but Trans Union has limited hours available for you to call and cancel. I tried to call a few days later within the limited hours and was on hold for over 5 minutes and I had to get back to work.

I got rejected for a personal loan and was told to see my credit report from TransUnion. TransUnion were the only credit reference agency in Hong Kong. I found not only did they put my gender wrong, they said I owed money to a supplementary credit card I had when I was 16 (should be under my parents). When they finally did "change" it (they only deleted it), they failed to alert other banks that the error was made by them.

I signed up to receive my credit score by agreeing to a free 7-day trial membership. When I went online within the 7 days to cancel my trial membership (on a weekend), I could find no information on how to cancel my membership. There were no toll-free numbers to call, no link to cancel, nothing in their frequently asked questions. I finally did a google search and some other customers indicated the company was almost fraudulent in their practice and you had to call a certain (very well-hidden number). When I called today, yes, well outside of the 7 days but who can blame me?

For several years, Transunion has been in violation of the federal law requiring that a free credit report be available once per year from the annualcreditreport.com website. Like Equifax and Experian, TransUnion's name appears on the initial screen for selecting a free report. Unlike Equifax and Experian, TransUnion generates a website error message ("try again in 30 minutes") when you try to access a report. This happened to me repeatedly during the past three days, just as it happened last year, in 2010 and 2009. This needs to be investigated by whatever federal agency regulates credit reporting companies. It is impossible to get a free TransUnion credit report once per year from the AnnualCreditReport website, as required by federal law.

I got the information about this website from ** and went on to choose TransUnion for checking my credit score. It stated that the credit score could be checked, and the account cancelled in 7 days. I made an account, and checked my score. But it has been almost a week, and I have not been able to cancel the account, as they never pick the phone up where we can cancel. I am pretty sure that they are going to charge me $14 or so every month, even if I don't want the service. This is fraud! I am having unnecessary stress about this, as I am a student, and don't have much money. I am planning to report fraud to my credit card company about this. Can I do something else?

Last year Trans Union listed an adverse account on my credit report, that wasn't even my account, wrong name, wrong address, wrong social security number, etc. I reported this, but had to spend 4 months with the accusing company to correct the error. Trans Union did nothing to correct this (their) mistake. Today, December 7, 2011, I found another adverse account that I have no knowledge of. I called to complain. The other 2 credit reporting agencies never have these erroneous adverse accounts on their reports. I asked the tech why this happens, and why I have to correct it, when it's their error? I never got an answer. She just kept repeating that I could file a dispute report. I had just done that on their website, but she didn't have that info of the dispute.

This idiot-run corporation needs to learn how to do its job correctly. Why do the other credit bureaus update their information swiftly and accurately? Why doesn't TransUnion update information about my profile with events and changes in the last twelve months?

I recently had my Chase card account closed and when I called, they advised me that they closed it because I had too many open accounts. I asked how this was possible since I only have three open accounts. They started naming off accounts after about 12, I stopped them and told them that this was not correct. I then asked what credit reporting agency they got their information from and they answered TransUnion.

I received my credit report from Trans Union, had a question about a special message on my report regarding name/address fraud. I called Customer Service, which was an Indian woman who had no idea what I was talking about. I politely tried to explain, she could not comprehend what I was saying. After 20 minutes and being put on hold repeatedly, I just hung up. I asked if there was anyone else I could speak to, she said no. This is crazy.

I opened an account for credit monitoring with TransUnion. My order could not be completed because some information had to be verified. I called customer service and answered all the questions the representative asked. He then placed me on hold and when he came back. He said unfortunately the information I provided did not give enough "points" to verify my identity and that I would need to send in a copy of my drivers license and a recent pay stub to confirm my identity. He kept trying to give me the address and I said no thank you and let him know it was very odd that I had no problem getting my credit report from Experian and Equifax, for which I had to provide the exact same information.

I signed up for a free trial and I was charged for it. I cancelled the free trail 3 days after I signed up, 4 days before the free trial ended. I called to inquire about the charge and while speaking with customer service, realized I had been tricked. Their actions were unscrupulous and crafty. I was duped and I know they have done it to others. They must have broken a law.

I called them over a year to let them know they have spelled my name incorrectly. They told me that I had to fax them a request to have this corrected. So, I did. I thought that this was all correct now. I returned a year later only to find out that it has not been corrected. I asked the person on the other end to change it. She said it's not possible to do it over the phone that I had to fax a request. I told her that I did this. So why wasn’t it changed? I asked to speak to her supervisor. He too told me that I had to fax a copy. They are messing with my life. I am getting inaccurate credit ratings/reports because of their lack of due diligence. There has to be someone monitoring them.

I purchased a report online and found that a long list of items were either recorded inaccurately and/or should have been removed more than 10 years ago. I called to speak with a representative. I asked her where she was and she advised that she was in India. I don't know if my credit file is protected in India and why is it leaving the country without my permission?

I submitted two FTC Complaints No.32927422. I was contacted by Experian today who monitors my credit and identity theft protection and was told that Trans Union requested my info on 10/12/2011.

My mother filed a dispute to TransUnion regarding a judgment on my credit file as this bill has been paid off and is still showing on my credit file. My mother paid off my bill directly to Farmer and Mechanic Bank. My mother and I are not aware that there was a judgment filed against me. Farmers and Mechanic Bank never sent me any courtesy letter that they are going to file judgment against me if I don't pay for the bill.

My husband and I have been wanting to refinance our mortgage since the rates were low. Our bank ran a credit report and there were several different accounts in my credit report that were not mine. Someone else's mortgage, a Credit Union, and several credit cards. My banker informed me that I would have to get this taken care of before I could have my loan approved.

I was not able to obtain my free credit report from Trans Union. I had no problem with the other two companies. After several weeks, I was able to get a paper copy mailed to me. I found that they have the wrong name, wrong phone number, wrong employer, and a credit card listed that does not belong to me. The same number is listed as both adverse and satisfactory in the report and is noted as "lost or stolen". When I called to speak with someone, a person in India answered the phone. The person told me to mail a copy of my Social Security card to them. When I commented that this was unusual practice, she said: "We are Trans Union. We do this all the time." I asked for her name and she gave me "Megan **", even though she was a local from India. So, the people on the phone are dishonest with you. But you're supposed to trust them with your Social Security card. She then quickly stated that she did not give me permission to record the call.

I signed up for a monthly monitoring of my credit report and noticed TransUnion has my name wrong. My middle initial is"T" and they have it as a "P." My correct name is listed under the "Also known as" section. I disputed the information and now the "Also known as" section is gone. They have me only with the middle initial "P.'

I have paid for 2 reports in less than 3 weeks. Soon, as I put that I was a black male, my report suddenly changed downward by almost 100 points. I have copies of both emailed reports. Something is truly wrong for such a drastic and sudden change. I do not trust any credit of any type now. Also, the last several years, everyone wants to add bad stuff more than in my lifetime to date.

There was a false employer listed on my report as current.

FNB Petro Card listed me for an alleged Petro card issued in 2001. I have never received nor use any. I received a letter from the CEO’s office confirming this and their apologies. Nedbank debited Nedlife the amount of R34 on no given date, and do not even know what it is for. When there were insufficient funds in my account, they debited my account with R110 for debit order return, all within the same bank. The debit order damaged my credit rating.

I tried to enter a dispute online and was locked out and then suspended. I called to correct this situation and was told to try to create a new account. That did not work and then I was asked the answer to my secret question. Well, that didn't work either. I was told there was no other way to verify my ID and I would have to send a copy of my driver's license by fax or scan it on email. I told them I didn't have access to either one and then they said, "Well that's all we can do, so your account will stay suspended until we have that information". I asked if I could provide another answer on something only I would have on a report and they said no. "That's all we can do. Have a very nice day!". After wasting my time and giving all my personal info to them , date of birth, social security number which is used by them illegally as they ask for your SSN before even asking for your first and last name, it's in clear defiance of Social Security's rules, I finally said I am not sending anything to them.

I contacted Trans Union as well as Experian and EquiFax credit reporting agencies concerning my FICO score in May 2011. I received credit reports in June 2011, but no explanation for a lowering of the FICO number.

I have filed four different disputes with TransUnion trying to get information corrected/deleted from my credit report. They removed a paid judgment from my husband's account but the same account shows it is unpaid on my report. They insisted that they have done the investigation, but I have made at least 40 phone calls that proved that they have done no investigation. I sent them satisfaction of judgment papers, but they said it doesn't meet the criteria.

I applied for a job and I agreed for a credit check, and requested that a copy be sent to me. On the first page after "subject name", my name is incorrect. There was a woman, that lived where I do, that shares my first and last name, however she has a different middle initial. I called TransUnion at the number they gave out to report disputes.

I needed my annual free credit reports and went through AnnualCreditReport.com to get them. I was able to view and print Experian and Equifax quite easily; however, with Transunion it was a completely different story. I entered the required information and was able to view the first page of the report at which point their web site locked up. I called Customer service and was told that there was nothing they could do, no recourse whatsoever except I could sign up for a paid service. No thanks! Any ideas of any recourse available? I was not able to retrieve my "free credit report" as required by law?

I ordered my credit report through AnnualCreditReport.com. I just received a letter stating, “Unable to locate credit report. Send copies of many items.” The same thing happened last year! At that time, I sent them copies of my social security, driver’s license, work and et cetera. Now here we go again. I just wrote them a letter with copies of this year's letter, and they sent me last year's letter and first page of last year's report. I enclosed a letter stating I want my report as soon as possible with their apology letter, and that I am reporting them to the Consumer Affairs and the Business Bureau (BBB). However, I asked, “What happened to all the copies of my personal information you received?” With everything that is going on, I'm very worried about my information!

It was since Jan.'11 that I have been trying to get my annual free credit report. I requested the form by mail (I don't trust internet w/ my personal info). I filled it out and attached everything they requested to establish my identity. They have not sent me my report, instead, they keep sending me more forms and asking for copies of paid bills, cancelled checks, etc. which I already provided them more than once. About three weeks ago I mailed to them the last ''proof'' and told them that if I don't get my report within 2 weeks that I would report them to the FTC.

I tried to obtain my free annual credit report from Transunion. After I put in my personal information, it asks me to login. I cannot figure out my password and after three wrong attempts I'm blocked out of my account. I try the same process the next day and now I am told that I have received my annual credit report already which is false. It is impossible to call Transunion and ask for help because all their numbers are automated computer systems. If you even go so far as to order your report from them on the phone (which is what they want you to do and why they make it impossible to get your free report) you never get the opportunity to discuss with a representative.

In early December, I had contacted the company at (800)493-3292 to tell them that I wanted to cancel my subscription. The customer service representative had confirmed on the phone that this was done and that no further action was taken. On the 01/04/11, my bank account was debited again for $14.95, and this time, there was an overdraft fee of $10.00. I was not expecting this fee to be drafted from my account any further. I would like the $24.95 to be credited back to my account, and my account canceled, closed, and deleted. Looking at their history and complaints, they are notorious for this. I will also be filing a complaint with my bank.

Trans Union has incorrect information on my credit report, regarding a mortgage with Citibank foreclosure. I have never had a loan with Citibank. Trans Union refuses to provide a correct mailing address for Citibank, therefore I cannot contact them. Trans Union also refuses to provide a copy of my credit report.

I have tried three times to get my free annual credit report but they just gave me excuses on why they won't give it to me. I feel like mentally despaired now.

Even with a copy of my report, I could not get anyone to help me. He told me they did not discuss credit issues via phone and that you could either do that online or via slow mail. Well, I don't use the mail service and I tried online, and apparently missed a question that was 30 years old. Fact is, they have a perfectly good account in the negative accounts. There is no reason to have it there as it is obviously a good account, but it is in the negative. Arrgh! They are the lowest of the bureaus. I have excellent credit of late. They did give me another number to call, and they told me it was not possible to speak to a person at all!

TransUnion refuses to remove derogatory information from my credit report even when being instructed to do so from my mortgage company. I called them with my mortgage company on the line; they refused to discuss any information about my credit report with a third party on the line. I was told to disconnect the conference call and they would then speak to me. I faxed a letter from my mortgage company that the report was incorrect, and they should remove the derogatory information. They would not accept the letter stating it did not meet criteria, but would not tell me or my mortgage company what the criteria is! Not only would they not accept the letter, they had added more derogatory information! Experian and Equifax have corrected my report within 30 days.

Claim they did not not receive our mailed in request for credit report. Do not believe them. Same response as both my wife and myself. Also had same response from Equifax. Can't believe mail from both these organizations did not receive the mail. These people are corrupt.

I have tried to remove a consumer dispute from my credit report and every time I send/fax them a letter they restart the dispute. This has been going on for over a month now.They are obviously doing this deliberately. Why? Can they really be this **? How do they open the door to get in the building? We are trying to refinance our home and this is the only thing holding us up.

Incorrect reporting of our credit report. Higher rate of interest and insurance coverage of my newly purchased automobile.

I am disputing a late report on my credit report. The company Wilshire Credit went out of business but marked me as late, I was not, and the loan company who took the loan over paid back all late fees and wrote me a letter indicating all was paid back and apologized. Trans Union refuses to take this off my report. They sent out a letter that states verified, no change. When I call to find out how this was verified, they cannot answer the question. I am told that my letter from the new mortgage company does not meet their criteria. When I asked what their criteria is, they say, “Oh, we cannot tell you that. CSC Credit service/Equifax has removed it with no problem.”

There were many dangerous mistakes in the three written reports I received which I have gradually corrected. Now I wish to clean up my records on their website but I am unable to access their site. They denied my valid data and they say that access has been temporarily suspended.

I have duplicated accounts on my CBR that are included in my bankruptcy. Transunion refuses to verify that Road Loans and Santander USA are one and the same account and remove one or the other from my report. It makes it look as if I have defaulted on my car loan instead of voluntarily returning it due to bankruptcy!

I received my credit report last year with no issues and this year, they tell me that my address on file is incorrect, even though I have updated it last year! I was told to send a copy of my licence and a utility bill. It's a runaround and a sham. My creditors can get access to my report but, not me!

I always call Trans Union for updated personal info including my fraud alert personal contacts phone numbers but I found out some of the credit agencies didn't get it. Trans Union said they will forward it to all credit agencies my updated personal info. I moved out from place to place and change phone numbers a lot but the old contact phone numbers are still there in Experian. They said they didn't get the updated info.

I have been trying to obtain my free credit report from TransUnion for over a month now. They will not let me access the report online or by phone. I've mailed in two request forms already and nothing! Experian and Equifax let me see it online, so I don't understand why TransUnion is having such a big problem. I am trying to see what my credit looks like so I know if I can get a good loan for a house by the end of the year. By the time I finally get my report it'll be next year!

I have disputed a Civil Judgment on my credit report as mine. It is my son's, whose name is similar to mine but with different middle names. I have gone to the company who has this judgment and they totally agree it is not mine. TransUnion will not remove it from my report. I am trying to get a security clearance through my job and this is standing in the way. This could have major repercussions if not cleared up soon.

Transunion has a dept under the supposed name of priority handling. However it is a dept which targets anyone who has ever complained about TransUnion. What this department does is violate the Fair Credit Laws of our nation. The way this is done is by making it more difficult for anyone who complained against Transunion. When the customer disputes, something they try to illegally place the burden of proof on the customer when it is on the company. Example to dispute an inquiry, they Chris & Ms. ** stated the customer must provide a letter of proof.

I provided TransUnion (on three different occasions) documentation that I was not late on a payment to Bank of America who reported inaccurate information regarding payments in September, October, and November 2009. TransUnion has refused to accept the documentation and has continued to report the false information on my credit report.

I filed bankruptcy but didn't go through with it. Consequently, the court papers stating this got it removed from Experian and Equifax. I have disputed this not less than 20 times with Trans Union. They will not remove it. I have great credit with the other companies.

Fraudulent address added to my credit report, followed by court case docket numbers fraudulently added to my credit report, citing "state tax lien" for various amounts, in Birmingham, AL. I live in Michigan and have never had any association with Birmingham, AL. I did however find a person with my same first and last name, but different middle initial listed as living in Birmingham, AL. I have contacted Birmingham police twice, to no avail. I have spoken with the Jefferson County Court, in Birmingham, and they could not recognize or verify in any way the docket number's on my credit report. They said the numbers didn't make sense at all. Their docket numbers have a certain pattern and this #'s on my report made no sense. Also to no avail. I cannot get Trans Union to listen or do anything.

Unlike the other two this place will not comply with the law and send free annual credit report.Complaints to FTC are useless. How do you get them to obey the law if fed government will not?

I have spent three hours this morning getting the run around from Transunion and CBV collections. My credit score is 754, all my credit is in perfect order and always has been the last ten years. I subscribe to Credit Alert which informs me when someone looks at my credit. CBV have been on there in error and I'm not able to get any cooperation to have them remove it. I spoke to Transunion and they say everything is perfect on my credit file.

I do not want your company giving my information to prescreened customers. I want you to opt out notice! I don't want credit card pre sorted mailed from people. It’s too easy for anyone to fill them out!

I asked for a credit limit increase from my Discover Card account. All went well until they tried to pull my credit report from TransUnion. I have a security freeze on my credit file, but by law there are a few circumstances where I don't have to thaw my file to be viewed. A possible new employer or law enforcement or an insurance company has access to my file even though it’s frozen. Also, any current or open financial account on my file can view it whenever they want. TransUnion has blocked Discover Card from viewing my account, this violates the law. Their customer service in India actually told me to tell Discover Card to call them and they would discuss why they are blocking Discover Card. I would like to sue for this violation. It seems they are doing so to force me to pay their fee to thaw the file so they make money instead of following the law. Any help would be appreciated. I have the letter from Discover Card telling me they cannot access my file. I am furious they ignore the law, my credit score would be better because I know I would qualify for a credit limit increase, my latest credit score report said to apply for increases to better my score because some limits were low.

I am third year medical student. Currently, I have a monthly membership with one of the credit reporting bureau's so that any alerts on my credit get emailed to me directly as soon as they are posted to my credit history. The reason I signed up for such a service was because the last time I looked at my credit reports, there were numerous discontinuities which I reported and fought to get taken off as they were inaccurate reflections of my financial actions. At the time, it was the first time I had looked at my credit report in 4 years. So I guess expecting some sort of discontinuity was expected. But since then, I have been watching my credit alerts on a monthly basis.

These credit companies have let another person or persons take loans out for housing, cars, etc. (I have proof) and were still doing it until (2008). For anyone to steal your identity, I was ensured that my identity was protected. But I guess through your companies someone did. See you in court!

It’s comforting to see I am not the only one that has problems with Trans Union. I have great credit, according to Equifax score is 765. I owe nothing except for mortgage. I cancelled all credit cards trying to do the right thing.

I was reading the most recent incident on the consumer affairs website and saw that her issue was identical to mine and this was dated just 3/27/10. I have been making attempts to obtain my credit report from Transunion since I was 18. I am 28 now. My 3 or 4 attempts in the past were meager to say the least. My first response from Transunion was that there was a "Hawk Alert" on my account. Outside of that notice, that was the only information I received. Not an explanation of the alert or my 17 dollars back. Other tries included 3 internet request with which led to a request for more information that I had already provided. Vicious cycle system that beat me for 10 years. I had pretty much given up on trying to get the report just and simultaneously given up on my credit.

I cannot cancel my account. I do not want to be charged for anything. Also I have been sending transunion several documents to confirm my identity and they just keep telling me that they can't confirm it. I sent them these documents more than once (about 4 or 5 times). If I do not get my identity confirmed then I cannot get a copy of my credit report.

I have been monitoring my credit through TransUnion and TrueCredit for about 2 months while I fought and fought to get a negative item from Verizon removed from my account. During the process, my TransUnion score stayed at about 660. As of 3 days ago, my TransUnion credit score was 663. Today, I called and was told that the Verizon account was deleted from my credit file.

Up until December 2009, my credit report was a certain number. In January and February of 2010, my credit score fell 80 points with no changes in credit, no new credit, no late payments, nothing. I cancelled my monthly subscription and they gave me a month free. In a month’s time, I received my email account regarding the class action lawsuit and my access number to start my 6 months free which was part of the settlement. When I opened the new account, my score was again where it was supposed to be. So why were my scores falling for all three credit agencies? Why was I paying monthly for reports and credit scores that they only allow me to update monthly? So what is the point of having 24-hour access to a month's old report?

I have been trying to get my free annual credit report from TransUnion for over 2 years now and they refuse to send it to me. I sent them many forms of my ID as well as what they required to verify my address. I sent them more proof than they asked for. I have been denied renting an apartment and also credit due to their report. I am entitled to an annual free credit report but they will not send it to me. I was denied credit. I am trying to rent a house or apartment but have been denied due to TransUnion. I have no clue on what's on the report since they refused to send it to me. Also, I applied for a permanent job but was denied based on TransUnion.

I purchased the 3in1 credit report with credit score. I noticed it didn't look the same and discovered the credit bureaus are using a new scoring system. Three months ago when I checked my credit, my score was 775 out of 850 or good to very good. Now, my score was 795 out of 990 and rated the letter C for average. Nothing on my report was different from three months ago.

I am highly suspicious of TransUnion's business practices. As stated in many of the other complaints before mine, the TrueCredit website is a maze of attempts to sell unwanted features, in fact, I was only once able to log on and find my actual credit report and then never again. It is like playing a game of Mousetrap. I must believe at this point that the business model is set up to deceive and extort.

In 2000 an 2001, I owed state tax. I paid them off in 2003. Yet in 2009, I found out Trans Union hold this on your records for 7 years. But now in Dec. of 2009, I found out they did not show me clear in 2003. So I just got all this mess cleaned up again in 2007. I cleared this up I thought but now it's back again. I have proof of all records. Now in 2009, Trans Union says it's there for 7 years so why do I have to wait 7 more years for their screw up. Trans Union is a joke. My mess is cleared up in 2003 yet you don't think so. (I hope Barn Bailey Dot get near you. They need all the clowns they can get.) So tell me what to do now.

I recently requested my free annual credit report from TransUnion. On the personal information page, my name is #1 then they have below that "other names" James D. **. I am James "F." **. The SSN and d.o.b. is correct. The previous address is wrong. The employment data is for James "D." which is wrong. The credit information is not correct since they have merged James "F." and James "D." information which has damaged what should be my perfect credit history. Now, I have received notice from a bank issued credit card that my credit limit has been lowered substantially. There is no way I could apply for any type of credit with the misinformation on this report.

Once you sign up for True Credit 3-in-1 monitoring service, the web site will not allow you to cancel your service. There is no contact number, address or cancellation ability anywhere on the True Credit web site. Also, the web site does not update with correct information. I was able to obtain credit reports through each individual credit agencies, and some information did not match. And the credit score numbers on the 3-in-1 Credit monitoring were way off from the number provided by the individual companies.

You have a credit card charged to me. I don't have any card. I am 75 and retired, not married, and I don't drive. Please take it off my credit report. As a result, I have been denied the use of a $500 credit card with my bank.

I was remarried in 2007, at which time I requested a credit report from all 3 agencies. I did this with the intention of making myself aware of what was on my credit reports. TransUnion refused to send me a credit report, though I have lived in the same place and house since 2004 (with a name like Lavonne, how likely is it that another woman of that name would live in the same location?!). The other 2 credit agencies assisted me and very politely I might add. Now, TransUnion is still denying me access to my credit report! Okay, this information belongs to me, affects my life, yet I cannot gain access to it because they want to "play games!" My next contact is the Federal Trade Commission. When enough people complain about this company that is denying 1,000's of people access to their credit report, someone in our government agency will take notice and put an end to their shenanigans! Let's ban together to put an end to TransUnion's business tactics!

My name has been changed for 6 years now, and they still do not have the correct name. About 7 or 8 years ago, I had a situation of identity theft occur. They have not corrected the information. I had addresses and account showing up on my credit that are not mine and still am having that problem. When I tried to contact them, I could not pass the security questions because they still have the wrong name. Also, there was one account that I have disputed off that kept getting sold to collection agencies and re-surfacing. I finally got incorrect addresses removed from my credit report, but the accounts associated with them have not been removed. Most just finally fell off.

I wanted to say I do not agree with the way Trans Union treated me over the phone. I was told I could get a free credit report and view it for 30 days online. I first signed up for the service on July 23, 2009, although I did not receive a link to my report until July 25, 2009. I don't have a printer at home and I thought I had 30 days to go back to the website and print it out. When I returned to the Trans Union website, it was today, July 25, 2009. It would not let me view the report. The person I spoke with said that since I originally signed up on July 23, it has been 30 days! I tried to explain to him it had not been that and I could send him the email with the date to prove it, but he did not want me to do that. So, I asked him if I could receive my credit report in the mail. He said I would have to buy one.

Good luck trying to cancel. I have been trying for eight months and every month and like clockwork the charge shows up on my statement. Despite 7 phone calls, including another 8 today, nothing is resolved. They had my address at one I haven't lived in nine years. They refuse to refund my monthly fee despite trying to cancel since January. I was cut off several times, re-routed and ultimately resolved nothing. I now have phone calls into the President of TransUnion (Bobby Mehta) the VP of Communications and the President of Consumer Relations. Next step are the networks. We'll see if I get a phone call back. Granted it's only $80, but it's the principle. I am a media relations person and if my company treated people like this, I wouldn't blame them for going to the news channels. Stay away from TrueCredit and TransUnion under any and all circumstances!

I received a letter from this company that detailed that I had asked for an additional advance of credit on an account. I did not ask for this, and I do not know why they wrote me or have information about my accounts. I cannot reach a human contact on their phone line. I think they might be engaged in unlawful activity against me and other consumers.

On 8-7-09, I went online through an SBA link to get my free credit report. I was sent an annual credit report and gave out my personal information because they offered to get my free credit report. Then I came to TransUnion after a hassle with ACR and filled out the same information - no progress. I was then linked to TrueCredit, which asked for the same information. I called what I believed to be T.U. to help me navigate through all the ads from ACR and TCR to my free credit report. During this conversation, I learned that TUCR, ACR, and TCR are all the same company. I do not understand. TransUnion by law is to give a free credit report every 12 months, but they seem to try to confuse the consumer with their other companies. I did not trust them to live up to their legal obligation for a free credit report or with all my personal information and discontinued my search.

I have an account on TransUnion and I received a free credit report. When I went back to get access to it, I kept being directed to another place where I would have to provide a credit card number for extra bells and whistles I did not want. When I tried to call the help desk, I was directed round and round and round until I finally hung up in total disgust!

I have been trying to get a credit report from TransUnion for 3 years with no luck. I was refused a report because my address was not updated in their records (1st time it was listed as one from when I was 6 years old, the 2nd time none was listed, 3rd time it had a one from 2 residents prior to where I currently live.). This was a major problem because each time I requested the report, I had to send in a copy of my ID with a bill; and I was still unable to obtain a report.

Why can I not talk to a real person when I contact Trans Union Credit Reporting Agency? I am put through a recorded loop that brings me back to where I started or asks for info that is not applicable for the reason I called and then cuts me off. My credit score dropped almost 70 points this past quarter for no reason and I want to find out why. Sending them correspondence through the mail does no good either. What kind of racket is this? Where is the govt. control over this system? They drop your score and you can't find out why by talking to someone. Letters sent come back with the same old form letter that tells you absolutely nothing about your dispute.

How unbelievable! I've been dealing with Ginny's for about a year now and just recently, they denied me an item because they said TransUnion has a different address on me! I've had the same address for 4 years now! So, I called and had to ask the female to repeat herself over and over because her accent was strong, then she couldn't understand the address I was giving her was my address, omg! How frustrating! Why are these people allowed to be part of the credit system? I don't even know if it got fixed? Damn, anyone can run your life now. Maybe I should get my own credit bureau going. What a joke.

Trans Union has consistently kept outdated information on my credit. They have an address of mine, which is almost 15 years old as my current address. More importantly, they are reporting that I have too many installment loans as a reason for one of the problems with my credit score. Upon investigation, I see that they have not updated my student loans, which I consolidated almost 3 years ago. I have a total of 2 installment loans.

I have been trying to clean up my credit report. I had a federal tax lien in the amount of $26,073 listed with Montgomery County. I requested a copy of the lien release on 5/28/2008 and immediately forwarded a copy to Experian, Equifax, and Trans Union through U.S. mail. Both Experian and Equifax showed the lien being released 5/25/2006. Although I have made written requests to Trans Union, they were still showing a tax lien on my credit report. In addition, they are showing the tax lien for a higher amount of $29,000 when the lien was for $26,073. I am in the process of purchasing a home, and this lien is having a negative impact in terms of my obtaining bank approval.

First off, I am supposedly entitled to one free credit report a year which I get because you need credit to live in America (face this fact, it's true). Yet, every time I try to get my free report from TransUnion, they can't seem to produce it online. But if I want to pay for one, they can produce it in a hot second. If I printed something about you or made a statement about you that was not factual then there would be consequences. But not for these guys, nope. First, if you can actually talk to a person and not a recording, it's a miracle. And when you do, it's like filling out a government form in triplicate to get them to consider reviewing your complaint. If they do review your complaint, how long does it take for them to take action? Pretty much when they get around to it.

First off, I am supposedly entitled to one free credit report a year, which I get because you need credit to live in America (face this fact is true). Yet, every time I try to get my free report from TransUnion, they can't seem to produce it online. But if I want to pay for one, they can’t produce it in a hot second. If I printed something about you or made a statement about you that was not factual, then there would be consequences, but not for these guys.

I went to apply for a credit line and was told there were two outstanding debts in my name. The Visa and Enbridge accounts were not mine, they were my mother’s (same last name and her name is Susan). I explained this and they opened an investigation. They advised it would take 30 business days to be rectified. I called on day 15 to see if there was any update. When I called in, they asked for my name, address and SIN. I gave them all this information. Then they requested me to answer clarifying questions, which were around the two debts in my mother’s name. (What my previous job was, which the options only gave me my mother’s previous job). I explained this to them and they refused to assist if I could not answer the question. I explained I would be lying if I answered the question, and they advised I had no other option. I was floored that they still had questions posted for the debt I advised was not accurate. I requested to speak with a manager. The manager could not explain why they would ask me questions with the information I knew was wrong. He kept saying it was my creditors that send this information and it wasn't them.

Since May 2007, TransUnion/TrueCredit have been double-billing my credit card. When I called to cancel the account (you can't do it online), I was told that it could not be found, using either SS# or log in ID. An 800 number is the only way to contact customer service and they are totally clueless. If Customer Service can't find the account to cancel it, why can accounting find it to double-bill?