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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They should reimburse me for non service.
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.
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
I just wasted two hours of my day explaining my situation (that I opened a dispute on May 2nd, 2022 and it’s still showing as “In Review” with no resolution) and they have the audacity to say that it was closed on May 4th, 2022. When I explained that clearly something was wrong from a technology standpoint, because I work with writing code all day long, they stated that there’s nothing they could do and that I should just submit another dispute request - Which is the most ironic statement I’ve ever heard because I can’t file another dispute until it’s listed as closed and no longer “In Review”.
I was transferred 3 times and even requested to speak to a supervisor so that I could explain these details to someone that understood it from a failed technology aspect and not just a script, and I was just transferred down the line to yet another customer service representative that told me nothing.
I explained that the entire reason I’m disputing this account is because I am purchasing a home, and I had my US Department of Education loans rehabilitated, which takes it out of default status, and removes it from your credit report entirely. When explaining this, the representative stated, “No, it stays on your credit report for 7 years, which is what is says on this 2018 document”, to which I replied, “That process has actually changed multiple times over the last 4 years - I’d be happy to give you the US Department of Education’s phone number for you to confirm, the website that the information is stated on, and the contractual agreement that I have stating this information as well” - Needless to say, they did not want it. The most ironic part of it all? They removed 13 other US Department of Education accounts from my credit report entirely already - This is the last one.
If you are going to preach the same script and information with no intent to help, at least make sure it’s actually up to date.
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What is TransUnion?
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.
How do I get a free TransUnion FICO score?
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.
How can I file a complaint against TransUnion?
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.