TransUnion Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.