TransUnion
Report Abuse
1 Star Rating
This account is paid and I have proof but transunion will not remove it from my credit report. I have my current account information with the original debt collectors.
Comment
TransUnion
TransUnion Reviews
1.6
45 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
TransUnion
Report Abuse
1 Star Rating
I signed up the other day for an Experien credit report for about $25. They gave me a full, detailed report I could download and scores from the two other credit bureaus. For the same amount I purchased a report from TransUnion. They gave me a brief summary with ads - no full report, no download or print capability, no comparison scores from other bureaus. To get the full report I had to talk to a supervisor in their support call center. She had me create yet another account on service.transunion.com. Their I could print the full report but with no credit score! That would cost more money! Furthermore - TransUnion's information was 3 years old, while Experien's was up to date. TU's score was also 100 points less than Experien. I found out that TU uses the vantage 3.0 model while Experien uses FICO 8. Here's a quote from debt.com: The FICO scoring model is considered the most reliable because it has the best track record. It has been around since 1989 and there have been numerous revisions over the last three decades to take into account the changing factors that determine an accurate credit score. ---- Don't waste your time or money with TransUnion unless you MUST fix their mistakes.
Product: TransUnion Credit Report
Comment
TransUnion
Report Abuse
1 Star Rating
Absolutely unnecessary organisation.Transunion show my credit score 630,however experian show 680,Tansunion do not answer me a reason why they put down my credit score,ignored me,but my money take regular.
Product: TransUnion Credit Report
Comment
TransUnion
Report Abuse
1 Star Rating
TransUnion is the worst as they report information that is inaccurate and takes them forever to correct this (IF) they even correct this at all. I have filed several reports, proven they had the wrong information, proven I was a victim of identity fraud, yet they still posted the wrong information about me (as-in) wrong phone numbers, wrong address, wrong accounts opened, fraudulent reports, and other information about me that was incorrect.
Product: TransUnion Credit Report
Comment
TransUnion
Report Abuse
1 Star Rating
Transunion dropped my score 34 points and when I investigated to find reason, the only change was that my credit card balances dropped by over $300.00. What a joke Transunion is.
Product: TransUnion Credit Report
Comment
TransUnion
Report Abuse
1 Star Rating
Created a TransUnion account and they never mentioned they were going to charge nearly $25/month. Charged me for a month and I cancelled within 10 minutes once I determined they had that fee. They never disclosed this in advance that I could find. Consider that very unethical. Other credit services, Equifax and Experian,
don't do that. Use them!
don't do that. Use them!
Product: TransUnion Generic Credit Score
Comment
TransUnion
Report Abuse
1 Star Rating
I have been trying for days to file a dispute for my credit report due to my stolen identity being used to open a fraudulent account and TransUnion dropping my credit score due to this nonexistent account being in collections. Their website will not allow me to submit my dispute or the documents associated with the dispute; for example my Identity Theft Report to the FCC! Calling Customer Service is a joke - does any company employ representatives that do not have such a heavy foreign accent that I cannot understand? No one could help me...their only solution was for me to download a browser that their website would accept. What!?? Why doesn't TransUnion accept all browsers for customers? My frustration level is off the charts, and after several emails from my credit monitoring services noting the reduction of my credit score still occurring, I have no idea what to do next. As a senior citizen, companies like TransUnion make our life much more difficult. I will be contacting AARP and any other government agency I can to make them aware of this insane policy of having customers jumping through hoops in order to dispute a fraudulent account and charge on a credit report. I just want my credit report to be an accurate reflection of my credit and it should not be this difficult to get that done!
Product: TransUnion Identity Theft Protection
Comment
TransUnion
Report Abuse
1 Star Rating
Bad report, they may have been hacked. Doesn't show update info that has been paid. Hard to get a person to speak with on phone. Worthless company.
Product: TransUnion Credit Report
Comment
TransUnion
Report Abuse
1 Star Rating
Transunion is the worst they always rate everyones credit score far worse than the other two agencies. The company is totally wrong and should be closed
Product: TransUnion Credit Report
Comment
TransUnion
Report Abuse
1 Star Rating
No support. Very scammy. If you need support, there is NO email address, and NONE of the phone numbers they provide actually work.
Product: TransUnion Credit Monitoring
Comment
Review TransUnion
TransUnion Q&A(3 questions)
Most Popular
- Most Popular
- Most Upvotes
Questions sort
What is TransUnion?
12
UpvotesReply
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.
View more answers
How do I get a free TransUnion FICO score?
3
UpvotesReply
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.
View more answers
How can I file a complaint against TransUnion?
1
UpvoteReply
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.