TransUnion
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1 Star Rating
Information is incorrect and transunion is not allowing dispute via website. obviously this entire app is bogus. it will not take more than a minute or less to delete this crappy app or website
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TransUnion
We've always been more than just a credit reporting agency. We're a sophisticated information provider with an eye toward making a better world. Our diverse sets of data and analytic solutions deliver meaningful insights to help businesses and consumers spot opportunities and manage risk. We see information not for what it is, but for... show more
TransUnion Reviews
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TransUnion
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1 Star Rating
On Monday, March 6th at approximately 12:30 p.m., first I need to duly note that Transunion Credit Report Services, for the record, outsourcing services of requests to other countries to keep costs low. However, it is an very risky business vulnerability you are placing U.S. constituents into a vulnerable environment where our identifiable information data could be easily compromised and result in a breaching attack on our privacy rights.
Secondly, it brings me to the most inept customer service phone representative, Ms. Ellen, demonstrated poor listening, communication, and execution. For example, I’m paraphrasing Ms. Ellen repeatedly requested more than 3x for my address and clearly demonstrated she does not know the difference between “Avenue (Ave)” and “Virginia (VA).” Differentiation of one as the “street suffix” while the other as the “State.” Ms. Ellen enormously exacerbated the level of frustration to attempt to avoid my request for a manager by insisting “they will call you back in 24 hours.” As a result, my adamant persistence and insisting for a manager she finally after 25 minutes additional time into call transferred my call to a manager where I expressed my frustrations with Ms. Ellen
Secondly, it brings me to the most inept customer service phone representative, Ms. Ellen, demonstrated poor listening, communication, and execution. For example, I’m paraphrasing Ms. Ellen repeatedly requested more than 3x for my address and clearly demonstrated she does not know the difference between “Avenue (Ave)” and “Virginia (VA).” Differentiation of one as the “street suffix” while the other as the “State.” Ms. Ellen enormously exacerbated the level of frustration to attempt to avoid my request for a manager by insisting “they will call you back in 24 hours.” As a result, my adamant persistence and insisting for a manager she finally after 25 minutes additional time into call transferred my call to a manager where I expressed my frustrations with Ms. Ellen
Product: TransUnion Credit Report
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TransUnion
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2 Star Rating
Never mind.It’s very unfortunate that the consumer has to go through so much to file a complaint with trans union. The account was paid in full and I received 1 points increase. SMH.
Product: TransUnion Credit Cards
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TransUnion
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1 Star Rating
Medical less than $500, should be removed per regulations going in effect in 2023. Have previously requested removal but Trans Union just passes the buck.
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TransUnion
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1 Star Rating
The worst company to use, I've been a member since 2020. I have not been able to use the site since then. I've called the customer service department and when I explained my dissatisfaction the first thing that they will say is if I want to cancel my subscription. I cancelled my subscription last month. I was informed that I could use the service until 1/7/2023. Today I tried and I still can't use it.
They should reimburse me for non service.
They should reimburse me for non service.
Product: TransUnion Credit Monitoring
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TransUnion
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1 Star Rating
There is no rhyme or reason for TU's scoring. Like most here complaining; I have excellent credit habits and I am penalized for the most incidental and minute of reasons. When calling them to complain, they give no solid reasons, only that "algorithms" & "models" are used to rate you. My biggest gripe is that opening accounts and hard inquiries are penalized like you are a 550 instead of a 800! And paying "off" accounts can get you worse scores than paying "on" them. Just ridiculous. There's no reward for being astute and conscientious when using your credit. It's all based on TU's (or their computers) definition of what "use" is. It's to benefit "holders of credit", not you! Never forget that fact and you will be fine.
Product: TransUnion Credit Monitoring
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TransUnion
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3 Star Rating
There is a 75 point difference between TU and Equifax. I have looked at active accounts and they look the same. It appears TU knocks points off for paying off a balance. I paid $1,000 on account and TU took off a ton of points.
Product: TransUnion Generic Credit Score
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TransUnion
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1 Star Rating
My identity was stolen in 2008. Thanks to the neglegence and non involvement by TransUnion I wasn't able to see anything on my report until 2019. Between the inept people at TransUnion and the mental deficiency at Equifax I'm still fighting this
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TransUnion
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1 Star Rating
The customer service is horrible no has accurate info on what made my scores drop from STUDENT LOANS that aren’t due for any payment until 2024 instead you guys request I buy my report online for current info just money hungry and do nothing to help the consumer why would I have to pay if you have access to this take notes from experian and lose the old techniques and actually train your associates to HELP I mean each agent I’ve gotten did nothing but repeatedly stated “umm I’m not sure or umm it’s not guaranteed you’ll get your points back even after you pay it off” like what?!! I really hate this company you guys are outdated and report wrongly all the time. it seem that the only thing I can do is sit and do nothing because you guys have no understanding or no way of telling me how to get back the -100 points for $1,400 student loan unbelievable my equifacts a day experian scores are 740 and you guys have me at a 577 and can’t even explain how or why but I will continue to leave bad reviews until someone contacts and helps!
Product: TransUnion Credit Report
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TransUnion
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1 Star Rating
The website for this bureau is absolutely horrible. No matter how many times I reset my password it tells me every time that my login is invalid. I've tried multiple browsers. I've called customer service and even paid for a subscription to see if that would help, but it's just literally one of the worst websites ever. I'm at the point now I just want to ask them to delete all of my information and I'll just rely on Equifax and Experian. I think most creditors don't want to deal with them either because they usually tell me they look at one of the other two. The whole credit system is a joke anyway, but I think they just need to shut down and call it a day. What's the point?
Product: TransUnion Credit Report
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TransUnion Q&A(3 questions)
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What is TransUnion?
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WalletHub
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.
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How do I get a free TransUnion FICO score?
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WalletHub
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.
You don't have to pay to check your TransUnion credit score, however, and the credit score you check doesn't have to be a FICO score. You can get free daily credit score updates based on TransUnion credit report data from WalletHub. You can also monitor your credit and receive customized advice based on your credit profile.
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How can I file a complaint against TransUnion?
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WalletHub
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 look at your complaint and respond with steps they followed (or that they will follow in the future) to resolve your complaint.
If you file your complaint through the CFPB, it will be published on their website (without your personally identifiable information). There are more than 152,000 complaints about TransUnion on the Consumer Financial Protection Bureau's website. The vast majority of these complaints (88%) were closed with some form of explanation from TransUnion, while approximately 11% were closed with a form of relief to the consumer. The remainder of the complaints are still in progress. In the event that you are unhappy with TransUnion's response to your complaint, you can provide feedback. The CFPB does not always take action against companies like TransUnion itself, but it does provide complaint data to the public and sends reports to state and federal agencies, as well as Congress.
If you want to file a complaint with TransUnion about something on your credit report, you can file a dispute online through your TransUnion account or add a consumer statement to your credit report. This statement does not affect your credit score, but can help potential creditors and lenders understand the circumstances surrounding negative items on your credit report.