TransUnion has always been more than just a credit reporting agency. They're a sophisticated information provider with an eye toward making a better world. Their diverse sets of data and analytic solutions deliver meaningful insights to help businesses and consumers spot opportunities and manage risk. They see information not for what it is, but for what it can help people achieve. And they believe, with the right information, people can achieve great things.
TransUnion Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 04/22/2026.
1.1
1,648 reviews
from WalletHub and across the web
1,648 reviews from WalletHub and across the web
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TransUnion
Bill OBrien @nycskibear
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1 Star Rating
Total waste of time. I got a vague letter in the mail (unsolicited) that claimed there was no record of my address. I made the mistake of trying to contact them -- I got a phone number from the chatbot and then was redirected to the chatbot. When I tried to talk to a live agent via chat the dialogue box wouldn't activate so I figured I'd check out what the reviews are like and they were all ONE STAR basically which mirrors my experience so I'm being generous and giving them one star too. What is the point of your existence???
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Product: TransUnion Credit Monitoring
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TransUnion
Nikki Scalise @itznico100
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1 Star Rating
If I could make it less than zero stars I would. An agent, Priscilla, gave me incorrect information to verify my identity and had me run around for close to an hour attempting to get a credit report on a website that wasn’t even operational. Once I got the credit report, she was the same agent to help me again, she told me I used the wrong website. It was the exact website she gave me, I even had her spell it out. She proceeded to tell me I was incorrect and she never said that. I get the right credit report and a different agent picks up and proceeds to tell me I did not need a credit report to verify my identity, after two hours of calling and figuring this all out. This company is borderline useless and completely incompetent, avoid at any cost and if you have the misfortune of having Priscilla as your agent just give up immediately.
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Product: TransUnion Credit Report
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TransUnion
Debbie Johnson @ladybird9600
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1 Star Rating
I have excellent credit with all other credit bureaus. They do not accurately confirm facts. I would give them a 0-star if available.
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Product: TransUnion Credit Report
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TransUnion
bestcm008 @bestcm008
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1 Star Rating
They have locked my account for 7 weeks, and I have tried to unlock it with representatives 16 times, but they can hardly speak English.
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Product: TransUnion Credit Monitoring
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TransUnion
Vivian Taylor @vivtaylorharr39
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1 Star Rating
These individuals deserve a 0 for the following reasons: 1. Inaccurate reporting 2. Incorrect credit score calculations 3. Incompetent customer service 4. Internal fraudulent and discriminatory practices.
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Product: TransUnion Generic Credit Score
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TransUnion
josiane lagnier @ikezelda85339
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1 Star Rating
Refused to correct a mistake although I followed their policies. I called and talked to a person in a foreign country who barely spoke English. I had to give him my personal information. What did he do with it? Who knows.
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Product: TransUnion Credit Monitoring
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TransUnion
Serge Larondlel @GoodLuckHaveFun
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1 Star Rating
This company is borderline evil. If it is possible in your life to avoid interacting with them, then do so. You will be caught in a nightmare loop of customer service, redirects to WhatsApp, agents on WhatsApp will tell you to call, and they'll give you links to the website that has a ton of errors. I can't even begin to tell you how many hours of my life I've spent trying to freeze and unfreeze my credit.
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Product: TransUnion Credit Monitoring
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TransUnion
mia10dk @mia10dk
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1 Star Rating
Absolutely terrible. Makes fraudulent charges and doesn't let you cancel your account.
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Product: TransUnion Generic Credit Score
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TransUnion
Stephanus Surjaputra @bfihub5334
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1 Star Rating
I have submitted multiple disputes regarding a loan that they show as open, but I have paid off. Even the loan company has sent them notices. If Experian and Equifax can get it right, why can't they? I have also sent complaints to the CFPB and BBB, but the loan still shows that it's open.
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Product: TransUnion Credit Report
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TransUnion
Charles Browning @browningcw
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1 Star Rating
On October 8th, I tried to change my email address. I encountered numerous errors and contacted support. After more failures on the phone with support, I gave up. I received a survey regarding the service I received on October 10th. I answered the survey and received an email from TransUnion's Make It Right Team (Delores Hart). She gave me specific steps to follow to resolve the error. The steps did not fix the problem.
After several more hours of troubleshooting with support, I finally received a support ticket (TransUnion Online Service Center INV-8982) in October. I have sent follow-up emails asking for a status on October 16th, 21st, and today (October 26th).
TransUnion October 16th response: I am attempting to get additional information because the technical team responded that your identity verification attempt was unsuccessful due to a 'Thin File' error, and it's an expected outcome in cases like this. This typically occurs when there is limited credit history available. I have responded, advising you do have at least one open account reporting, and a credit score visible and had the ability to enroll in the DSS account. I will update you as soon as I receive a response.
My response: Sounds fishy.
I have 8 open accounts; 14 years, 3 months is the age of the oldest. Both TransUnion and Equifax show the same information.
TransUnion October 22nd response: Unfortunately, I have not received a response back from the technical team. I sincerely apologize.
My response: Thank you for the update (or lack thereof).
Is there a way to expedite this? It's hard to believe a company responsible for investigating, recording, and disseminating credit history can't resolve this in eight days (I'm being generous; it's actually been at least two weeks since we started this situation).
TransUnion response to my October 22nd response: Unfortunately, the technical team is still working diligently to resolve the issue and is currently unable to provide a definitive timeframe for completion.
I cannot believe this technology company cannot figure out how to simply update a KNOWN and VERIFIED user's email address.
PLEASE DO NOT GIVE THIS INCOMPETENT BUSINESS MONEY. THEY NEED TO GO OUT OF BUSINESS.
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Product: TransUnion Generic Credit Score
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TransUnion
David S @steeledavid547
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1 Star Rating
July 25, 2025, I was told that TransUnion would send my report via USPS within 15 days or less. It is now August 11th, and a letter arrived saying they needed proof of my address, 17 days after they said the report would be sent. I tried to get it online the same day, but it was not happening. It seems they did not do things quickly and in tune with the person's needs. My debt relief advisor seems to think this report will answer all the issues for the board. After this, and reading the reviews, I wonder if they will have what is needed.
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Product: TransUnion Credit Report
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TransUnion
Kl @shardaan
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1 Star Rating
I caught them in contradictions on their own website concerning my score, saying I have five bad marks. So I clicked it and it showed only three in crystal clear numbers. Three sections of my report are said to weigh far less than the other two, yet only one is in the red and is supposed to make up a mere 5% of my score, yet it is significantly affecting my score. And, as I said, it only shows three but claims there are five issues. When I look at those three marks, they aren't bad at all. It says they're fine. Then the other two things are so minor it's laughable on their pie chart, but they're weighed in at a C and D when the data does not support such a grade. My two largest segments of the chart are in the best standing with an A. These individuals are intentionally damaging American credit scores, likely due to some vendetta against Americans. They need to be addressed, as they are way out of line. We can't have these sorts of mistakes undermining America.
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Product: TransUnion Credit Report
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spignato1 @spignato1
This helps. Im in real estate and credit matters. Personally of course too. Transunion has balance numbers on credit card off by 50000 plus. Because they, meaning hardly understandable phone help, just dont care. I filed dispute and , with them false information on credit repjrt.. amounting to 40 point lower credit score than exprian and equifax.. yet the said 30 days. Knowingly admitting its wrong .. 30 days.. hortible vompany and law suits are flying in on them.. its a mess and they dont care .. do im going to join in and file. This js corrupt at worst. .
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TransUnion
Marie Leonard @insideleghang
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1 Star Rating
My account was suppressed without my knowledge. I mailed the identification documents they requested at my own expense, but they still have not fixed the issue. They told me it would take up to five business days to unsuppress the account. It is now well past that deadline and no one can give me an answer as to why the problem has not been solved yet.
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Product: TransUnion Credit Report
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TransUnion
dj_skittlez @dj_skittlez
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1 Star Rating
I have no clue how TransUnion is recognized as a legitimate credit reporting agency. Of the big three, TransUnion is the only one that has had fraudulent and inaccurate information posted monthly. I've been filing disputes for months, only to see denials and no resolutions to the disputes, which I know for a fact are inaccurate. Equifax and Experian have zero issues.
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Product: TransUnion Credit Report
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TransUnion
Inco VanVliet @joygrdn234
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1 Star Rating
TransUnion agency seems to have locked my TransUnion account without any explanation is to why I can't access my account. I tried calling them numerous times, but I got hung up on without being transferred to an agent. I also tried numerous times to reset the password for my account and never received a security code through my email. I tried chatting with them online, only to be told that I have to call them. I told the person that I had called numerous times, and I got hung up on each time I called. I'm unable to talk to an agent to resolve the locked account, and my credit report is locked.
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Product: TransUnion Credit Report
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TransUnion Q&A(5 questions)
Get answers to your questions about TransUnion below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
TransUnion is a credit bureau that produces credit reports and provides various products and services related to consumer credit health and identity theft prevention. As one of the three major credit bureaus (along with Equifax and Experian), TransUnion collects information about how consumers use credit, including the types of credit accounts used, payment history for those accounts, amounts owed and more. TransUnion then passes that information along to creditors and potential employers, which use the information – often together with credit scores calculated from it – to make decisions about individuals' creditworthiness.
TransUnion Facts
Founded in 1968
Headquartered in Chicago, IL
8,000 employees
Credit data for 1 billion people in over 30 countries
Database of more than 65,000 businesses
Publicly owned (ticker symbol: TRU)
You can access your free TransUnion credit report (updated daily) through your WalletHub account. You can also dispute any inaccurate or fraudulent items on your TransUnion credit report through WalletHub's interface.
You can get a free TransUnion FICO score through a Bank of America credit card account, select Barclays credit card accounts, and Discover's free Credit Scorecard program (open to all).
You cannot get a free FICO score from TransUnion directly. Instead, TransUnion allows you to view your VantageScore by paying $24.95 per month for a TransUnion account. That gives you unlimited access to your credit score, your credit report, and credit monitoring.
To file a complaint against TransUnion, use the Consumer Financial Protection Bureau's online complaint tool or contact your state's attorney general. Once you file an online complaint with the Consumer Financial Protection Bureau (CFPB) or state's attorney general, they will forward that complaint to TransUnion. Basically, the CFPB and the attorneys general want to understand what kinds of complaints companies are receiving as well as what those companies are doing in response. TransUnion's customer service representatives will...
You can unfreeze your Transunion credit report by logging into your account on the Transunion website and selecting “Remove Freeze”. You can also unfreeze your Transunion credit report by mail or by calling 800-916-8800.
The freeze should be lifted immediately if you request it online or by phone, but it may take up to a few days if you send the request by mail. It is free to freeze or unfreeze your credit report with all three credit bureaus.
How to Unfreeze Your Transunion Credit Report
1. Online: Log in to your TransUnion account, go to “Credit Freeze,” and choose “Remove Freeze.”
2. By Phone: Call 800-916-8800 and request to have your credit freeze lifted. You will then be asked to provide some personal information including your name, address, Social Security number, date of birth, and email address so Transunion can verify your identity.
3. By Mail: Send a request to
TransUnion P.O. Box 160 Woodlyn, PA 19094
and include the following information and documents:
For Identity Verification (provide a copy of one document, such as): a Social Security card, a letter from the Social Security Administration, a military ID, or a Medicaid/Medicare card.
For Address Verification (provide a copy of one document, such as): a driver's license, utility bill, pay stub, or bank statement.
When you submit your request to unfreeze your Transunion credit report, you can select either a temporary or permanent freeze removal. For a temporary removal, you can provide the start and end dates for your desired time frame. This is particularly helpful if you want to apply for new credit but also want continued identity protection after your application is approved.
How Long It Takes to Unfreeze Your Transunion Credit Report
If you request to lift the freeze on your Transunion credit report online or by phone, it is generally done instantaneously, though the FTC gives credit bureaus up to one hour to complete the process. With requests submitted by mail, it typically takes three days from the date of receipt for the credit freeze to be lifted.
To learn more, check out WalletHub's guide on credit freezes.
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