TransUnion Reviews

Be very careful. The company will charge you $17, though they will say it is $1 only. They will bill your credit card directly. And you can't cancel online. They make it difficult because they want to take time off from work, remember and then call them. Wait for 15 mins on phone and finally cancel it. They should not be responsible for my credit history when they themselves are fraud company.

I signed up for the $1 deal for 7 days a few days ago and decided that I didn't want to keep my subscription them. The first time I called the representative pretended not to hear me. The second representative asked for my social. After I gave it to her she go the last 2 digits wrong so when I say the correct last 2 digits she repeats the wrong social again. I again say the last 2 digits again and she acts like she doesn't understand what I was saying. After telling her that the last 2 digits were not the ones she was saying but different ones she hangs up on me. The third rep that I talk to was rude as well. I asked to speak to a supervisor who from the sound of it didn't know what he was even doing. I will never get my credit report or score from them ever again.

On 7/21/14, my wallet was stolen. I immediately canceled all debit, payment cards, and credit cards, requesting replacements. I entered fraud alerts on all 3 credit reporting agencies. No fraudulent charges were incurred. No late payments or derogatory remarks have ever been reported to my credit. However, TransUnion slashed my credit score as reported by Credit Karma from 766 to 740, possibly based on charge card companies reducing my credit limits when replacement cards were issued. Credit limits are a non-issue for me since there has never even been a monthly balance on any credit card or vendor charge card. All cards are paid in full each month. I believe the basis used for calculating credit scores is bogus game playing.

I have subscribed to TransUnion Credit Monitoring Services for 7 years, paying $14.95 per month. I faithfully update my reports and credit scores often and frequently get 3 bureau reports from TransUnion. I work hard to try to keep my credit in good standing and as of today my TransUnion credit score is 827. I was feeling pretty good about that score and went to purchase a new car tonight. The car dealer informed me that my TransUnion credit score was 672 and because of my score I would have to put $3,000 down to buy a car. When I told the car dealer that my TransUnion score was 827, he laughed in my face and told me that their info is useless. I even showed him my score on my phone and he shook his head. I called TransUnion in God knows where and talked to a representative who eventually transferred me to a supervisor. "Louis" was extremely rude and kept talking over me. I told him that I felt like the service is useless and he told me he would gladly discontinue my service and refund one month's service. When I requested to speak to someone with more authority, he told me that wasn't going to happen. I then told him I would write to the Better Business Bureau and he hung up on me.

I purchased from TransUnion reporting agency access to my credit reports from all three agencies - TransUnion, Equifax and Experian. There was a "so-called special" that would allow you to access your score and credit report for seven days for $1.00. After I ordered that, I realized that I needed all three reports so I paid an additional $29.95 for access to all three for thirty days. Since TransUnion could not charge my card for $17.95 for the credit monitoring, they stripped my access to view my report online for the 30 days in which I had already paid $29.95 for. Stating that one was dependent on the other one. That since I am not participating in the $17.95 a month that I can't access my reports although the ad said 30 days I could access them for $29.95.

My husband got an ad for a free credit score and so he proceeded with it. Come to find out we started getting charged $17.95 a month. I called TransUnion fuming. They said that he had subscribed for a monthly service. He did not knowingly do this and would not have. I am furious with these companies that use deceptive practices to con people into giving their personal information so they can rip them off. If this happens to you, contact the Federal Trade Commission and file a formal complaint. This is the ONLY way this stuff is going to stop! I spoke very harshly with the people I spoke to and informed them that I would be reporting them to the FTC and I demanded a refund. Supposedly they will be crediting us. We will see. And yes, I will be reporting them!

I see that many others have had the same experience as me: while taking advantage of the free credit report review that the U.S. requires credit companies to provide, I clicked on an offer by TransUnion to receive my "credit score" for $1. Then, I received a report that did not even provide a real credit score (but some other number that supposedly correlates to one's credit score) AND was charged $17.95 without my knowledge, which showed up on my next credit card bill (in addition to the $1). I called the credit card company and they said I could dispute the charge after I tried to resolve the charge with the company. I called the TransUnion number on my credit card bill and after hitting "0" to get out of the menu a person answered promptly. He was real pleasant and thanked me for my subscription. I explained that this was not an authorized charge and he said that it was. I asked for a refund and he said no. I told him that I was going to dispute the charge through the credit card company and he said, "Go ahead." I told him that I wanted whatever services TU signed me up for to be cancelled and he gave me a cancellation number. How this large corporation gets away with such a con is beyond me.

I was directed to the TransUnion website for a credit check while applying for a job. I agreed to the $1 one-time charge. Received my cc statement with an additional $17.95 charge. They say it automatically charges you for a month, no separate agreement. I am reporting TransUnion and the so-called job opportunity to all local agencies. Don't use this service, it's nothing but a two bit scam!

My husband and I tried Trans Union thinking that we were only going to be charged a one dollar fee. They said that you wouldn't be penalized if you cancelled before the seven day trial period. However, I cancelled before the 7 days and was still charged. My husband and I are very upset they charged us a fee of $17.95 and this is unfair. We called several times only to speak to rude customer reps one of them even hung up the phone on me. They wouldn't give us our money back and said that there was no record that indicated that we had cancelled. This company should go out of business for fraud. This shouldn't happen to anyone. We feel violated we give them our personal information but yet they don't even have the courtesy to treat the customers with respect!

I am writing a formal complaint against Transunion credit bureau. They have been giving me the run around regarding my credit account. Apparently, I have no "credit History", although a report was pulled February with a full credit report and score. Now, I cannot obtain a loan as they are the only credit bureau that says I have no credit. I feel that no one is assisting me nor cares that I work hard to establish good credit and now it just "disappeared" only through Transunion and no one is accepting responsibility. I am showing a report with Experian and Equifax although my credit union requires a report from Transunion. That my information is "lost" is of great concern. I will be seeking formal legal concern about this matter.

I have been disputing erroneous derogatory information on my TU credit report for over a year and half now which they refuse to remove and it's quite apparent that they aren't even attempting to verify its invalidity. I am disputing an outdated negative item on my report which they are quite apparently adamant about making sure it stays on my report even though it has exceeded the 7 year rule and it's 8 years now. I found this info on the FTC.gov's website:

This "company" is by far the worst credit/criminal background check that's out there. They document false information and refuse to look into it with detail. If you only speak English, good luck trying to communicate with them. They obviously work out of India. I continued requesting to speak with an American office since I could not understand a word they were saying. That obviously never happened. Any business using their services are clearly do so out of cost. They have to be by far the cheapest credit/management service company that's out there.

I pulled my credit report few years back and seen there were some inaccurate information on my report from a collections account. I filed a dispute on these items. Some got removed but majority came back as verified. I asked for proof, of course that information cannot be disclosed. More recently I have filed for these same items to be removed on a particular day. I called about two weeks later to check the status on the dispute and was told I would have to speak to a fraud rep which I agreed with. The rep didn't even transfer me I had to get the number from her and call them directly. Once I called the number the new representative told me the dispute should be finalized almost two months from when the investigation was started.

I was recently was refinancing my home and needed to look up something to verify the information. I went on the TransUnion site to get a credit report which I thought cost a dollar, but 7 days later a charge for $17.95 shows up. I called the next day, as that is when I checked my bank account, and they would cancel my account, but refused to refund my money even though it was one day into a monthly charge that I didn't even know I signed up for! They wouldn't even prorate the charge. Absolutely ridiculous and these credit companies have these crappy practices!

TransUnion (Canada) is charging me USD rates AND double-charged me for June 2014. No one is rectifying situation! Signed up for monthly credit reports (TransUnion Canada) at $16.95/mth CDN. June 3, 2014 charged USD rate. I called and inquired, spoke with Victoria. I was told "technical difficulties due to system update", was also told supervisor would contact me when they fixed situation and all customers would get a credit back on account. I cancelled my monthly subscription on the spot and advised I expected credit back plus interest for charge sitting on my Visa due to their error.

I ordered Trans Union and my score was good. I had just refreshed my score and it still was in good standing, but then I entered the wrong dollar amount in the wrong section of the debt analysis part, hit refresh and my score dropped 20 points. I went back in to correct the problem and it stayed at the low score.I contacted customer service and they gave me the run around for three weeks now sending me back and forth to the same customer service and representative. I would have to explain it all over again to no avail. I feel so sick to my stomach and stressed out, I started getting headaches and couldn't function right. I then came to the conclusion that they are not qualified for this type of mistake or they have a flaw in their program.

In 2007 I got calls from collection agencies and mail for someone I never heard of before. Requested my credit report from Trans Union. They had changed my name, showed debts that weren't mine and showed prior address I never lived at and showed another social I supposedly used. I first thought I had Identity fraud problem. I started calling the creditors and one of them told me this person was deceased and that my social and her were exact except for one number. Here was all my good credit reports and a few bad that weren't mine.

I didn't know they auto enrolled me for some service. They charged $20 then $7 the day I cancelled the enrollment of some service which they enrolled without my knowledge. Please do not choose this.

I cancelled my contract in April and received a charge on my credit card on May 12 for a credit report which I did not request or receive. When I called their Customer Service Dept, after speaking to an agent and Supervisor, they said that they had no record of this billing and said that this was coming from a different Dept??? I have disputed this billing but am very frustrated in dealing with them.

I only wanted a single, one time, once only credit report; which I have purchased from them in the past. They would not sell this to me, even though it is advertised on the internet website. They said I "had to" purchase monthly monitoring at $17.95 per month, automatic billing, to purchase the report. They do not state this on their website. They just slip it in during the purchase of the report. Totally completely false advertising and consumer fraud!!! Go to their site and look up 3 in 1 report for $29.95. No where does it say, to get this you have to purchase the monthly monitoring; nope. They just add it on at the end "after" you purchase the $29.95 package. Crooks if you ask me.....If I did that in my business. I would be charged for false advertising and consumer fraud.......Yes, I am very mad, very, very mad.....I just go taken.

When I went for my free annual report this year, all worked well except TU. Their website was broken, so I had to order it over the phone (sucky IVR system, too). Two weeks later I tried to use the website to submit disputes and that's broken as well. And as an added bonus, the site wants MS SilverLight.. blech. Support told me they look into it and I should "try again in 24 hours".

Never really use it much because server is always down. Cannot get in to cancel the service!

In just three days, my credit scores went from a 800 score to a 643 credit score. Just when I was obtaining gainful employment, the company TransUnion credit bureau dropped my credit scores one hundred points. I have written them and called the company and I have all the printouts that the company of transition has maliciously and without any explanation dropped my credit, which I work hard to maintain over 100 points on my credit profile. This is a new method that they use to discriminate and place people in a subliminal and poverty level. If you cannot receive credit, what do you have? Nothing!

Went online to the Trans Union website. Clicked on the link to pay a $1.00 for my credit report. Got the report but it turns out I also unknowingly enrolled for a $17.95 a month credit monitoring program! Called Trans Union and spoke to a person outside the United States who clearly stated that he would end the subscription, but no matter who I spoke to, the $17.95 would not be refunded as the ad clearly showed I would be charged that amount! This is absurd! I would never have enrolled for that! I am going to find every place I can to let people know Trans Union is a rip off! They basically stole $17.95 and I can't do anything about it!

What a scam! This company boasts a 'free credit report and $1 credit score' and the 'fine' print which is cleverly hidden on the website states that after the trial period of 7 days, which is also not clearly laid out, you will be charged $17.99. Well my husband and I foolishly didn't read hard enough. All we saw was that there were two options. One was to sign up for the monthly 17.99 credit monitoring or just do a one time free report which is what we both did. Today we were slammed with two 17.99 charges. There were no warnings, no emails. I checked the only two emails sent to me - one with the $1 charge and one welcoming me to Transunion.

This company deliberately misrepresents a free credit report which US Credit law requires all three credit agencies to provide once a year. Then they procure your credit card info to pay a nominal administrative fee. 7 days following the receipt of my credit report they charge my card for another $17.95 because it was just a sneaky 7 day trial membership that will convert to a monthly credit monitoring. I use LifeLock and would never need or accept a membership like this so when I saw the pending charge and called them before the charge ever went through and they explained that I should have been more observant. The representative said that I was on the wrong site for my free credit report from Transunion. They clearly know that they deceive and are even given talk tracks to differ the truth and maybe their guilt. I ask the person how they feel about working for this type of organization. They clearly knew they are stealing people's money... legally I guess. Hopefully enough people will share their experience and maybe the attorney general will see that over 70% of the monthly fees are cancelled in the first month or two because they were deceived from the start.

I had to cancel my credit card I had for 17 years in order for the reoccurring charge went away.

Be warned. Buried deep within the never ending terms and conditions, you might find something saying they will charge you a monthly service after a 7 days free trial period. Chances are, you are not aware that your "free" TU credit report is attached to this program. If you do not call within 7 days to cancel it, you can kiss your money goodbye. They will not budge. I even told them that I was going to blast them on Yelp, Consumer Affairs, etc... They didn't care. I hope they enjoy the $18.

I checked my report on Annualcreditreport.com. I thought I was just signing up for a $1.00 charge to view my score. It turns out I signed up for credit monitoring and I was charged $17.95. I found this out only by checking my credit card. I called 2 days after the charge showed up on my credit card and Trans Union would not refund the charge. I have no idea how I signed up for this service and it must have been deliberately misleading.

Charged for the seven day free trial. Called on day I was charged to cancel. Said I was beyond the seven days. This is all subjective and depends on what day you count from. Do I count the first day? Do I count the last day? I was charged today; therefore, I believed it to be the end of the free trial, seven days, and wanted to cancel. Complete and utterly useless call personnel state multiple different ways to calculate your seven day free trial, "Oh wait but then we give you 24 hours additional, but wait, not in this instance." Huh? If I want it longer then I get an extra 24 hours? Very odd. Nowhere is a date given to you of an expiration date of your free trial. You're free to try to figure that out on your own. Call center 'manager' gave the instance of what other bill do I not have to pay by the due date.

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.