TransUnion Reviews

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?

This really deals with all three credit bureaus and because of this, I do not know where to get good advice. My credit score went from 740-750 down to 690. The credit report was filled with all the wrong information. For instance, it stated that my credit score would improve if I had purchased a house. My profession for 22 years was as a Realtor. I own a three level, four bedroom house right now but it is paid off. After talking to the representative, she told me that because I did not have a mortgage or a car loan (heavens forbid, I paid off that also), this is hurting my credit score. Is this reality?

I disputed the wrong information on my credit history 2 times on mail providing written statement with supporting documents (copy of my license and Social Security card). My sister's first name is similar name to mine. Our last names are the same. I waited all this time to get everything fixed. Finally, I got my credit report for the 2nd dispute after their carelessness, and still my credit history contains all the information from my sister. Now, I disputed third time over the phone. It might take another 30 days. I don't know if they will fix it this time. I am applying for a home mortgage. Just because of TransUnion, I can be denied for my mortgage and lose the opportunity for buying a house, plus the money I spend so far for planning to buy the house. Equifax and Experian fixed my credit after I disputed. TransUnion is not doing what they're supposed to do. They are only screwing up my life and my opportunities.

Through CreditReport.com, I was supposedly given my TransUnion credit score. This was a 30-day free trial. I have been trying to cancel within that time period both online and through my phone to no avail!

I sent for my credit report and as I looked at them, there are so many bills paid over the years that should have been taken off that would really improve my credit score but it seem that they aren't going to remove them until they're ready to. My insurance went up several hundred dollars because of this nonsense. My house insurance. I TALKED TO MY INSURANCE AGENT AND HE SAID THAT IT MAY TAKE YEARS FOR THEM TO REMOVE THE PAID BILLS. WHAT CAN I DO?

I have accounts on my credit report saying I still owe certain companies money. Companies I know I paid due to looking at my account whom I bank with and the companies whom I paid with receipts. All I clearly want is this ERRONEOUS information updated in all 3 credit bureaus systems showing that I have paid and removed off my report. If you need the name of the companies please email me or contact me via telephone for faxing information or mailing information showing proof I have paid. Still on my credit report showing I still owe the agency money. Currently making my credit score a 580 and below to the point I cannot get a car loan in the military.

Attempted to file a fraud alert, to no avail. Ended up with a robot voice saying thank you for contacting T. U. & the connection was severed. Trans Union has incorrectly reported my credit and Personal information for 11 years. My I.D.- Soc.Sec. were stolen in 1997. The Perp. was arrested and jumped bail-never recaptured.

My son and I have basically the same name which can be confusing sometimes. We do have different SS#'s, different birth dates, and different middle names. When TransUnion received credit information on my son they searched their database found a similar name that had a matching address (10 years old for my son, current for me)and COMPLETELY INORING the current address and birth date differences they just changed my information which combined the credit for my son and I. Now, according to them, I have an alias. He has access to all my information and I have access to his. How inappropriate and illegal is that?

My girlfriend and I pulled our credit reports so we were aware of our scores before we approached a mortgage company in pursuit of a purchase for our first home. I was very surprised - and annoyed - to find thousands over thousands of dollars of debt on my report. I spent an entire day calling all of the collectors in fear I was another victim of identity theft, but to my surprise, I came to find out I wasn't. There is another person with my exact name who's information TransUnion just stuck on my report! The creditors said they only report the debt to TransUnion. They are the ones who put the information on the report. So if I have access to this other Joshua's account numbers and local address, then it's fair to say he has access to all of my credit card numbers and address! Isn't this a violoation of the Privacy Act?

When I first ordered my Credit Profile,I couldn't see anything on my monitor. After several calls and weeks I could finally see my Credit profile. So far so good. In 2007 I ordered online by TU Credit Monitoring for 22$ every 3 months. There is a automatic renewal if you don't cancel the service prior to the next quarter.

I had numerous inaccuracies on my credit report and I noticed that not only was it inaccurate but it was also missing a lot of good information. I have a car that I pay installments on monthly and I have been paying on time since February 2008 however it is not on my credit report at all. The Finance company has indicated that they are reporting however it is not showing on my report.

Possible company Gave Out information pertaing to credit information

Refused credit based on TransUnion report. Obtained TU report and found it missing any info other than name, address, SSN. Tried calling TU--can't get anyone on phone. Filed online dispute--the TU online form is structured such that it does not accept a complaint of incomplete report but I sent in info as best I could. Received response that the disputed item did not appear on the report, so all OK.

My son requested a credit report from TransUnion. When he received it he noticed there were 5 credit cards listed that were not his. He asked me if they were mine. After checking the FULL NUMBERS LISTED ON THE CREDIT REPORT WITH BALANCES, I was able to confirm that yes they were my cards. The cards are joint between my husband and myself.

I applied for a loan and found that I have many medical bills that my ex is supposed to be paying. We are straightening that out. But, I also found that all 3 credit bureau's are saying that there have been too many inquiries that have impacted my score. I have only asked for 1 credit check from my current credit union and the home loan in the last 3 years. It doesn't show who has checked my credit. How do I find this out? I can't get a home loan because of my credit score.

since 2001, I have tried to have a PAID IRS tax lien removed from my credit report along with 2 additional PAID judgments. I have the Lien release and also 2 letters from the other 2 law firms stating the judgments are satisfied. Trans Union refuses to accept them. I even contacted the court who staes as per the tax lien it is not even on public record anymore since it was paid over 10 years and released for 7

After being denied credit, I went to the TransUnion web site in hopes of getting a copy of my credit report. I signed-up for the Truecredit 30-day free trial, being led to believe that that was the portal. I was introduced to ads of every credit type imaginable, things I could have googled to find, but wasn't interested to find on TransUnion. I was not able to see the individual creditors on my so-called credit report. So, after visiting the incredibly user-unfriendly site, I decided to cancel my trial and call TransUnion tomorrow, then couldn't find the option to cancel anywhere!

I was preparing to purchase a new vehicle so I printed copies of my free annual credit reports and paid for the credit scores from all three. The lowest was 688 from Transunion. Two weeks later, I applied for a vehicle loan at my bank and the Transunion score had dropped to 611 for no reason as I had no changes in my credit.

I had a collections against my credit show up recently, from a debt I had discharged some years ago. The number of the collections "agency", when I called to ask about this, was an individual who offered to clear my credit if I sent him a POA and $375. He did not have a file on me. When I called TransUnion to tell them that the phone number they had associated on this 'debt' did not even belong to a collections agency, I was treated to a long, rote answer that had nothing to do with the fact that they were reporting a debt that did not exist; with a number to a person who was not a collections agency. I was offered NO explanation nor offered any options for clearing up this problem.

I ran a credit report with Transunion. It shows an open account with GEMB/GECAF. I don't remember this account and I would like it closed.

I wnet to get a loan and I was told my credit from Transunion is not as good like the other two credit companies. I wonder how they determined to rate me, I have a good credit history and I never been late or somelike that. I also get tones of credit card applications I wonder if they sold my name as well as other people.

When I logged on to get my credit report, the information in the system would not allow me to get my credit report. The security question is the issue because it asked me the name of my father's grandfather and his personal information. The point is I never had information about the date of birth of my grandfather other than his name and now I am locked out of the system in order to see and correct information that is being used for my credit history.

I was turned down for credit, which entitles me to a free credit report. I wrote to Transunion for it, enclosing the credit denial letter that showed my address. I received a response that I must confirm my address by sending them a copy of mail, such as a bank statement or utility bill. I received this letter from Transunion at my address, but obviously they want to collect personal information from me that I do not want them to have - such as my the name of my financial institution and bank balance! Since credit agency information is used to judge consumers, it stands to reason that the agencies ought to be working and providing accurate information.

Decline in credit score from transunion, while I have never been late on any bill and have paid off the balances on all my credit cards. This agency is fraudulent. I plan to pursure this through litigation.

Per my lawyer, I sent all three credit bureaus specific bankruptcy paperwork concerning my mother. The first page and others that followed had my mother's name on them because she filed a Chapter 7. I received a letter from "Trans Union saying they couldn't match the information with my credit report. Of course they couldn't. It belongs to my mother's credit report. Please read the info and apply to the proper account. My name only appears in the return address! Please reply then when you have made the correction. Thank you

I am waiting a reply

I signed up for a 3 in 1 credit report and analysis thru an online website. They were supposed to supply me with a credit report that had all 3 credit reporting agencies in it. This was supposed to be good for 1 month and then I paid an additional $9.95 for a monthly reporting to my email. Despite my many attempts to log in to my account, I was unsuccessful. I called daily to their customer service and was told that the issue would be resolved and I could log into the account in 5-10 minutes. I tried many times, but was still unsuccessful.

I don't have all the information on these credit reporting agencies, but several months ago I requested a free annual credit report by mail and have not received as of this date. It seems as though they want me to view my report online, but I don't want to do that because in order to view my report online, I'm also agreeing to some kind of free trial offer that I'm not interested in. Can you assist me? There is no damage that I am aware of except it is hindering me to address any errors that need to be corrected, or anything that I need to be attentive to to clean up my credit.

I received a credit monitoring letter from my bank(Bank of America) informing that someone made an inquiry about my credit report. I called the bank, and they had no idea who this was but told me to call Trans Union. I called Trans Union and they informed me that I would have to pay or join some club to find out who they gave my information to. I do not know who the person or business is.

I signed up for the free 30-day credit monitoring service through TransUnion. At the time of setting this up, you provide a credit card for the 9.95 charges for the months after the free trial is over. This was fine, as I thought the service would benefit me in some way. After the first couple of months that I paid the 9.95, I realized that I really didn't need to continue with the service. I went to the website to find a phone number to call and cancel the service, however, I couldn't find one. I looked on my bank statement and found a number that way. The initial call took forever as you have to go through several automated prompts just to get to Customer Service. Once I finally got someone on the phone, the rep didn't even speak English well and read from a screen. Be careful..... if you ask a question that is not on their computer screen with an answer they can read off to you, they hang up the phone.

This is the first time I have studied the credit reporting aspect of finance. I purchased a report and score from Transunion and received a score of 865 (B). I could not imagine anyone having better credit than mine. I learned that part of the problem was that I had no real estate accounts (I own my house outright) and the other problem was that I did not have large credit limits. I do not need large credit lines! I used to be a Credit Manager, a Business consultant, and a Statistical analyst and based on the info from a phone conversation with Transunion I have concluded that the formula does not generate a determination of creditworthiness and they can't inform me how my report would be different from one who had a score of 100 above mine except to say something incredibly stupid and incriminating, It would be a hundred points more than yours. I have concluded that Transunion is guilty of fraud and slander. They can't produce anything objective and concrete to prove otherwise. I plan on being very noisy about this.

I had id theft. My credit is now frozen. No one is supposed to be able to access my credit report without my permission. I have a pin number where I call in to release my credit for a certain period. I can either generically open my credit where anyone can access my report while the time frame is in force or I can get a temporary pin number to give to the creditor. Now I have always chosen the pin number route. It has never worked since the first time. Once before it was automated, I received a pin number that was short by two digits and just recently after getting a pin number the creditor told me the pin number for them was not sufficient and required the release to be creditor specific. (not an option on the automated phone system)

They are reporting one of my long standing good accounts as an adverse account, filed under bankruptcy. I did file bankruptcy more than 3 years ago now. However, I chose not to include my AAFES, Military Star card account. This has negatively impacted my credit report and I think it is a bad business practice that I must continue to write to this credit bureau with ridiculous results. How can they say this account is adverse, when they themselves are reporting it as paid as agreed? I don't think I need an attorney, but I need somewhere to report my problem and get it fixed once and for all.

I decided hey it might be nice to check all three of my credit reports, I was pleasantly surprised with Experian and Equifax and was feeling pretty good about myself. That was until I came across TransUnion's report and discovered I am a 60 year old woman named (name withheld) who owes $12,000 of bad debt. The problem here is I am 36 and male and have a max of $300 of debt proudly. So it seems they merged my mother's information with mine and now I have to jump through hoops to get them to fix their error. I have this nagging feeling in my gut this will take numerous phone calls and months before it is resolved. So until then my mortgage dream is on hold.

On 11/29/2007 Trans Union received a Credit File request for someone with my name but a different address. The company that sent the request was NCO Financial, a debt collection agency. When I pulled my credit file it shows you the name and address of the company that made the request for your file as well as the information that they sent to identify the person who's file they need. Trans Union released my file to NCO Financial without matching my name to the information they received.

I tried to get my free credit report and wanted to pay for my credit score. I answered the questions correctly, and they would not accept my answers. Therefore I was kicked out for security purposes. I could not find a Customer Service phone number, either. Funny how I had no problem with Experian and Equifax.

Transunion has been continually giving me a low score on my credit file of about a 520. I filed Ch7 three years ago and have re-established with 5 credit cards and a perfect payment history--no lates. I have been denied car loans, ect. I called them; they told me I can't dispute a score, and its the new scoring system. I feel this so-called new system will hurt the working poor in this country. I need a car to work and make some kind of a living.

I have been trying to get my annual free credit report from TransUnion. I have talked to their customer service rep who asked me numerous questions and then said I should log in again -- which I did. I still cannot access my credit report. TransUnion just wants to sell me access to my credit information which is supposed to be free. The FCC needs to do something about this company's tactics.

On December 30, 2007, I logged on to the annual Free Credit Report. I was able to get Equifax and Experian. Trans Union wouldn't let me out of ICS. They claimed that I have previously established a name and password. They expected me to remember? Used only once last year! I checked that I had forgotten. Entered my SS# and date of birth. Then it requested the name of a friend. If I couldn't remember the other; how would I remember the name of a friend? I'm 78 and keep receipts so that I can remember what I purchased last week.

I tried to get a free copy of my reports from all three credit bureaus. The only bureau that was a problem, a big one, was TransUnion. All bureaus except TransUnion accepted my correct answers of provided information and let me see my reports. The maddening thing about TU is that I got to a web page on which they said I had correctly answered all questions, but they still would not let me see my report. After logging out--the only option--and going back in, and turning down the option to pay $10 to see my supposedly-free report, I ended up back at the same page that said I had answered everything correctly but logging out was now the only choice. It's especially annoying because I suspect that TU has incorrect information in its file on me.

Someone with my exact name requested a copy of their credit report, and Transunion sent them my report. The way I found out was the other Belinda knew me and contacted me. She was not happy and neither was I. We do not have the same SSN or address.

I ordered Transunion services online at truecredit@email.truecredit.com on August 24, 2007. The price is 9.95/month, first 30 days free. In September I wanted to cancel this service, but I could not find any cancellation info. in their website--neither e-mail nor mailing address. They did mail me a letter informing me how to view my credit report online. I used that address to mail them a letter on 9/18/07 and asked them to cancel the service. I did not receive any response, but they charged me in September and October.

I have disputed in a legal letter with attachments of my credit files regarding various companies having no authorization, signature nor legal business with me to be pulling any inquiries or credit reports on me. Yet Transunion writes me a letter each time I have disputed these same items and tell me that these will remain on my credit for 2 years regardless, and that if companies have a permissible reason to pull they may. These companies never had a permissible reason. There have been 10 mortgage inquiries in 2 years which I certainly didn't authorize.

Transunion is charging my checking account $19.95 a month, and I cannot make them stop. This month again they charged me $19.95 and it put me over-limit; I was charged $32.00 for insufficient funds. I talked with my bank and was told it would cost $32.00 to stop payment on each transaction. It is imperative that I resolve this. If you can give me any other information I would appreciate it. I am already out $87.90.

I tried ordering my 3-in-1 credit report from Trans Union on-line w/ the additional reports/scores from the 2 other credit bureaus - after entering all the necessary information, including my c/c number, a window informing me during the finalization that there was a problem that occurred w/ my order and I had to contact customer service.

I want the money put back into my account and for them to pay for the damages as a result of my account being withdrawn

I was declined a mortgage because there was a public record on my report that wasn't mine. The debt was paid to just to top it all off. It has been paid by the person it belonged to and it had been paid for 2 years and it has been on my report for 2 years, but still showing as unpaid still to this date. This has ruined what could have been the happiest day of my life. I spoke to Transunion and they were supposed to take it off and they haven’t.

The last three times I have sent a request for my credit report (the FREE one) they have sent me a letter telling me that I did not send the required identification. I have kept copies of the information I sent them the last two times so I know for a fact that they are wrong.

Submitted several disputes over false and erroneous credit reports held by TransUnion. They would not investigate as they advertise, they only verfy what the so called creditors claim to be the truth. TransUnion does NOT verify if creditors info is true. TU claims they can post and forward false credit reports like this any time they want to because it's not their responsibility to verify false or out of date reports.

I have been fighting with Transunion to correctly update my credit file since my bankruptcy in April of 2005. I have filed all of the proper papers, and even faxed over my bankruptcy papers and letters from companies including my student loans showing I am not delinquent. They even messed that up, instead of correcting my student loan, they added that to my bankruptcy. Which you can't even include student loans. I called them, and said they couldn't find my papers and would have to research. This was 2 months ago nothing has changed.

TransUnion is almost always used, and their information is out-of-date. I cannot get past their security system, to change or dispute the information, because their security system uses that out-of-date information to prove that I am me. I cannot find any e-mail address, to which I can send a complaint, and they provide no address to write them by. Only a toll free number.

I paid off my bills in April of 04. The 3 major credit co's did not remove 3 accounts that I paid, including 1 court judgement. Since that time I have repeatedly tried, without success, to borrow money for various business and personal reasons. I did find out that they failed to remove the cases in Jan of this year.

In 2003 I noticed that nother lady's name was on my personal credit report under my social security number. I contacted TransUnion (The only one of the three listing this other name) and was believed it be to corrected. I run a credit check again this weekend only to find out that nothing was ever done and the other lady has declared bankruptcy. After talking to the bankruptcy court I was able to determine that our last four digits are the same in our SS number, but that is all. TransUnion continues to put her information on my account. Since this is not intentional fraud, a fraud alert does not help me. Who holds TransUnion accountable for the damage they do to individuals for their inaccuracies?

I am at my wit's end with Trans Union! I was lucky enough to get a good bonus at work in September and used the money to pay off debts. Before making a big purchase, I decided to get copies of my credit reports. Experian and Equifax are reporting my accounts correctly, but Trans Union is still reporting the old, high balances that I had before I paid them off in October (it is now the middle of January).

Transunion has my wrong name in their records. There is no way to change this. I have called them numerous times in the past to no avail. They insist on calling me Nancyellen Ellen xx. I am Nancyellen Francis xx. I feel they sell this information because I get flyers and various junk mail in the mail with the name Nancyellen Ellen on it, or Nancyellen E. Ellen or solicitors calling and asking for Nancy Allen.

I aplied for a mortgage loan and was denied. Part of the decision was based on two items on my credit report in the amount of $4200.00 and $110.00. Both of these items have been satisfied.(several YEARS ago!) yet they have not be removed from my report.

I wanted a cell phone and went to TMobile. They used TransUnion to verify who I was and claimed my social security did not match up to who I was. I had to give them original utility bills, photocopy both sides of my SS#, driver's license, etc. Trans Union still said I was not me. I phoned social security, who agreed I was me, spent the morning at ss where I received documentation from them also agreeing I was who I was, had this faxed to them via TMobile - and they still say I am not me. I was offered a free report if there is a dispute, yet after going through their automation, was again, denied.

I recently got a new mortgage and TransUnion had information from 14 years ago that was incorrect on my report. Later I ordered a full credit report form and credit protection service and found that much of TransUnion's info was old and different from the other two agencies.

I was online trying to purchase a credit score. I used my credit card and was told that the charge did not initially go through (declined). When I called my bank they informed me that the charge did indeed go through and that I should contact Transunion. Upon contacting them, the transaction was completed and I was assured that my card would not be charged twice.

I tried to order the free trial of the transuion credit report, and when i selected it, I was funneled into a different, $30 plan. IT was deceptivley confusing. When I called to complain and spoke with a customer service rep and a manager, they were willing to refund $10 of the $30, but not all of it.

I went to annualcreditreport.com to get my free annual report. WhenI selected Transunion, I could not remember my sign in name and password from last year. I was directed to a page that asked for my last name, last 4 digits of my SS#, email address and zip code. I gave them all the CORRECT info & the next screen stated that the info did not match their records. I had problems last year with them too.

A few months ago I was turned down for a mortgage and received a letter stating the primary reason as serious delinquency and length of time of delinquency. I was shocked and called the bank immediately. The bank informed me TransUnion showed delinquencies reported to a collection agency from MCI (I've never had MCI) and a public library over 1000 miles away that I have never even set foot in. In order to access my credit report via their website TransUnion made me pay $10. Even though it seemed ridiculous for them to make money off their errors I paid because it said I'd have access for 30 days.

I also have had a problem with transunion not correcting issues on my credit report as paid even though the credit company reported to them twice that it was paid with them. I have obtained a number in which you can speak with an actual live person I feel the need to share this number since I have read that so many people cannot get in touch with a person, only a recording. The number is 1-800-916-8800. Once prompted to press or say a number, please say or press the number 2 and it will transfer you to a customer service rep.

Of all the three credit reporting agencies, this is the worst!! Inaccurate, outdated information. Unable to access e-mail,address,or phone. Was able to update home address from 7 years ago..but since the rest of the report was not negative.. wasn't worth fooling with such an organization

I have repeatedly asked them to remove me you know the opt out number they give to the lists of our names they sell? I have visited the website to try and get a copy of my credit report, and I am told I have an account. I don't think so. I keep asking them to check on it and I hear nothing. I can't get a copy of my report from them and a person I filed a sexual harassment complaint against has been applying for auto loans, credit cards, home loans.

I have been trying to get an innaccuracy corrected for about 9 months and it cost me money to keep checking my credit report. I have a homecomings financial account saying derogatory. It also says included in bankruptcy. I have paid this loan off and made every payment. I have disputed this several times and get the same answer back. VERIFIED,NO CHANGE.

I sent a check for 5.95 to get my credit score. They have cashed this. I also sent my required information to obtain a free credit report. I have gotten nothing in return. I sent this information first class mail the first week of March. I can provide the cancelled check.

A credit report was denied on line from Transunion (was able to receive Experian and Equifax). I was unable to speak to a human being at Transunion. All I could get was "recorded" information. There isn't any problem with the other two agencies.

For the past five years I have been disputing items that are on my credit report that have not been taken care of. I have three people on my credit report. Transunion reports a very low credit score and I have not been able to get this corrected.