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. 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. Gerald of Concord CA (09/24/08)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. You can't explain the many problems involved trying to clean up such a mess. It has taken me 11 years and the only one of the three credit agencies who has gotten it right is Experian. Equifax is a close 2nd, and they have corected errors when asked. [trans union] has been negative to me and any inquires for the past 11+ years. I am at present sending them a formal inquiry by reqistered mail. 1. To post a fraud alert 2. I want a copy of my credit report. Steve of Oregon WI (09/22/08)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? When I contacted TransUnion, their solution was that I had to dispute all the things that weren't mine and then they asked me to mail to them in the standard US mail service a copy of my Drivers License along with my complete name address and Social Security Number to PROOVE who I was. All that in an envelope through the US mail service - How stupid do they think I am? I complained up the chain of command at the TransUnion telephone customer service department, wouldn't take NO for an answer, until I finally got someone that was actually in the United States and could speak English without an extremely thick Indian accent. The policy of TransUnion is if they find a match in their database like mine and my son's the information like birthdate will automatically update to the new information regardless of the obvious discrepancies. I was told that that is how their system works and there was no one higher that I could speak with, ARRGH! Their solution of updating the information to current was only temporarym they couldn't guarantee that the same thing would not happen again tomorrow. I was just suppose to suck it up and pay them money and check my credit constantly to see if they screwed it up again. The ONLY way I can prevent TransUnion from changing my information is to freeze my credit. TransUnion has a system-wide global problem and I have top freeze MY credit because they can't fix their problem! Anyone else see a problem with that? If you are interested Equifax report seemed to be accurate and Experian recognized their error and addressed the problem INSTANTLY! I'm frustrated! Joshua of Corpus Christi TX (09/16/08)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?The SAME thing has happened to my girlfriend. ALL of her mothers decades of bad debt is now reported ALL over HER credit report. How negligent is it of TransUnion that without verifying the SOCIAL SECURITY NUMBER, that someone having just the SAME NAME is enough reason to put confidential information on their credit report? It's taken up so much of our time, and I have a bad feeling that once we report it ISN'T our debt, and we go through the process of sending out an accumulation of at least 100 letters (literally) that it will get taken off ONLY momentarily, because if the same name is their filtering system, what's to keep them from the reporting it BACK on our report 2-3 months from the correction? HOW ARE THEY ABLE TO GET AWAY WITH THIS? This is OUR LIVES we are talking about here. We are now unable to apply for a housing loan, and are just now finding out that most of the information was already reported when we got a car loan, so we are just now realizing our interest rate COULD HAVE BEEN even lower. Torsten of Vancouver OTHER (09/16/08)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. In April 2008 I called TU and told someone to cancel this service before June 2008.(the next quarter) The Lady told me it is to early to cancel this service now (in April) and I have to call in May 08 again to cancel the service. I told her I am not willing to call again next month and if she would write it down and cancel it next month or whatever. She told me again I have to call again next month! I told her I wont pay anything anymore and I don't refuse further payments. Of course I can cancel this service anytime I want. This is even stated in their own Terms of Purchase. Would someone here please give some HELPFUL Information where to complain about this company? I am from Europe and there are Consumer Protection Unions who take Action against those criminal Companies. They wouldn't exist for years like here in this country. Please post some effective Advise. Thank you, Janee of Arlington Heights IL (09/09/08)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. I wrote a letter to TransUnion Indicationg that I would like for this positive information added ASAP and they responded by sending me a letter saying that the information that I am disputing does not show in my credit report! I am thniking to myself I know that is why I contacted you in the first place!?! They are not alone in having a letter written to them regarding my car note not being ton the report; this complaint includes Gateway Financial ( no reponse yet)TransUnion, Equifax, and Experian. No resolve has been made and I am highly upset about it , PLEASE HELP! Thanks-This has impacted my credit score horribly I am attempting to repair my credit and I can't because my report is inaccurate to begin with. My score is lower than it was when I signed a contract to get a car , yet I do not have not entered into or defaulted any other agreements that would cause a drop in my score and an increase in the negative info that is being promoted by them. I can not get any type of financing because of this because I have tried & been denied. My score is 200 points lower than it was in February and that should not be- Emma of Waynesboro MS (08/22/08)Possible company Gave Out information pertaing to credit information J. of Brooklin ME (08/15/08)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. Wrote to TU, sending them Equifax report (which is complete and which shows my perfect credit) and a letter explaining that credit was denied based on TU report due to too few accounts with sufficient satisfactory performance--remember, no accounts at all are listed on my TU account!--and that I demand either an updated credit report or they should stop handing out this non-information to inquiring creditors. The response I received was another Enclosed is your Personal Credit Report that you requested and it is exactly the one I'm complaining about--no info on it except for name, address, SSN! What am I to do? How does TransUnion get away with such gross negligence? Who is reading and responding to the complaints they receive? Where is the Consumer Protection we hear so much about?Denied credit due to woefully incomplete TU credit report. Susan of Mount Laurel NJ (08/01/08)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. Two different banks hold the credit cards. The first bank who held two of the cards told me that they do not have any information on my husband on file as he is just listed as an authorized signer. They only had my social security number. The other bank who held the other three had all of my husbands personal information.TransUnion posts a TrueCredit Privacy Statement which states TrueCredit takes precautions to secure your personal information. This company gave my son our FULL CREDIT CARD NUMBERS AND BALANCES. This is a breach of the PRIVACY ACT. If our credit card numbers fall into the wrong hands we would be writing you for a different issue, all because of the negligence of [trans union], giving out credit card numbers of consumers to unauthorized persons. Patrick of Clifton NJ (07/18/08)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 Credit score is suffering, future creditors throw these three public record items at me and refuse credit. Kristi of Danvers IL (07/03/08)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 was denied a car loan and totally embarrassed. I'm sure the bank thought I was lying to them when I initially told them my scores. The loan officer did state that he has had other people with the same complaint so I don't think I'm the only one. Tanya of Los Alamitos CA (06/18/08)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.High interest rate. Brenda of Greensboro NC (06/14/08)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. Ken of Memphis TN (06/08/08)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. Elizabeth of Bend OR (05/22/08)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. On day 3 I called back and explained that I signed up for this service 3 days ago and was unable to log in. The lady then told me that she would forward the complaint to a technician who would fix the problem and that I would be able to log into the account in 24-28 hours. I felt like she was reading a prompter. I then called my bank and requested a dispute on the initial charges of $44.90 and to block all future transactions. I also called the customer service back and requested a cancellation. The only confirmation that she would give me was her employee ID #. I have a feeling that this is a hoax and would recommend staying away from the website. The consequence to this issue has been my time and the charge of $44.90 and possibly more charges if they try to process more on my debit card. Rodney of Bronx NY (04/28/08)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. None yet, but I would like to know who they give my information to and what is needed to get someone's information from credit bureau. Angie of Independence MO (04/15/08)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. Needless to say, I was very frustrated. Once I finally got to someone that could understand and speak English well, I proceeded to tell her that I wanted to cancel the service. She said okay and asked why I wanted to cancel the service. I told her that I wasn't getting any use out of it. She went on to supply multiple reasons as to why she thought I should keep the service. I finally said Just cancel the service, I don't want it, period. She said okay and indicated that the service was cancelled. I said So I will no longer be charged 9.95 correct? She said No, there will not be a charge to your card after today. I said okay and thank you. Then to my surprise, on April 12, 2008 there was a 9.95 charge to my debit card. I called the number I previously called to ask why are they charging me for a service that was cancelled. The woman on the phone told me that the 'offline' service was not cancelled. I said that when I signed up for the service, I wasn't asked Do you want online and/or offline service?. I simply signed up for one service and cancelled the one service. She continued to read off the screen indicating that the offline service wasn't cancelled. I said that this is not my problem as a customer. This is a company process and lack of training, which I should not be responsible for. I let them know that I contacted my bank and the credit has not gone through from TransUnion. The rep indicated that it can take 3-5 business days to credit it back. I told her this was unacceptable as the service was cancelled and there should never have been a charge to begin with. She indicated that 3-5 days is policy. I asked to speak to another manager that could tell me a specific date and time the credit would be sent to my bank. She said that I would need to talk to someone in 'upper management' as she did not have that information. Once I finally got to an 'upper managment' rep, he simply indicated that the credit could take up to 2 billing cycles to be credited back to my account. And as for the overdraft charges, I would need to provide a statement from the bank showing the 9.95 charge and the 20.00 charge associated with it. He then said to fax it to them requesting reimbursement and a brief description of the problem. During this conversation, there was no apology or any sign of concern for TransUnions bad training, bad processes, or lack of admission of wrong doing. For those of you out there thinking that the Free Credit Monitoring is a good thing, it isn't. Gary of Bellingham WA (03/06/08)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.Darrell of Argenta IL (03/01/08)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)Just a pain. One always has to follow up and call around to get the mess straightened out. Interestingly, the credit reporting agencies are required by my state to provide this service to me for free...probably because of the simple fact that these companies have not been good stewards of our credit information...I feel like they are resisting doing what the state of IL has legislated them to do Marlene of Woodbridge VA (02/25/08)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. My credit score is low because this is a large account and caused me problems when I bought my house. I had to show proof that [trans union] was falsely reporting. Justin of Washington DC (02/19/08)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. Mortgage application will now be on hold. Credit card request have been denied because of this. Johnny of Brooklyn NY (02/10/08)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. When I saw the inquiry on my file I could not believe that something so simple as matching name and address was so difficult. When I called [trans union] I was told that [trans union] will only send a credit file to a company that identified me by name, address or social security number. Not long after I made that call to [trans union] I received a letter from them that gave me a description of various items on my credit file. I also sent [trans union] proof of their mistake and they once again sent the description of item on my file letter. [trans union] refuses to acknowledge their mistake and they tell me I have to fix it. When I spoke to Ron he looked at my file and confirmed that the information NCO Financial sent did not match my information on my file. I also stated to Ron that if NCO was really looking for me why didn't I get anything in the mail from them? In the age of Identity theft and people in the business of stealing, I could not believe that [trans union] made a simple mistake like this and forwarded my file to a company that was not looking for me. [trans union] also violated my Fair Credit Reporting Act rights in doing so. Maggie of Lebanon CT (01/13/08)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. I don't know how to get my information quickly. Brad of Worcester MA (01/12/08)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.Denied car loan, More inquires will lower my credit score even more. Economic damage most likely as I am unable to meet my needs of basic survival in the future, to work and get around. Or I can pay 21% interest and just pay for a car and go without food. This is a disgrace, and I really hope people read this. Peggy of Lady Lake FL (01/04/08)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.James of Maryville TN (12/31/07)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.Rick of Arlington VA (11/24/07)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.Seven years ago I had similar maddening problems with TU. I wrote them six times in four months to try and get a correct and complete copy of my report. After about the third letter they sent me a short report that had only a fraction of the information on a report I got from them nine years before that. It took three more letters over several months to finally extract a much longer, full report from them. This time I'm not playing games with them. Yesterday I sent a letter to the Federal Trade Commission; they oversee the credit bureaus. It's obvious from the log of complaints at this site that TU is a slovenly corporation that only complies with the law when they feel like it, get around to it, or are faced with legal action. I recommend that everyone bombard the FTC until these weasels start toeing the line like the other two bureaus. Here is the FTC's address: Commissioner, Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington DC 20580. If we all take action maybe we can turn the situation around. It's better than suffering individually, like TU wants us to do. Belinda of Huntsville AL (11/16/07)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. This could have lead to identity theft. Gary of Plainsboro NJ (11/15/07)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. They offer the order services very conveniently but make it very inconvenient to cancel. Finally I called their 800 number on 11/14/07, 9:20 pm. They canceled it for me. When I complained that there's no information provided on their website how to cancel, the lady just hung up on me. I paid for the September charge but am not willing to pay for October charge. I am very dissatisfied with their way and attitude toward handling cancellations. Teresadianne of Flint MI (11/12/07)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.This is my credit file and everything to do with my life. I dont want anyone to be able to pull my credit without me being the one asking them to do this. Please investigate Transunion at your earliest convienience and help to resolve this very serious situation. I will not tolerate this careless handling of my credit file any further. My credit score has dropped, and I am paying double the interest as a result. Laura of Dayton OH (10/31/07)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.Carissa of Red Bank NJ (08/15/07)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. Thankfully I printed the receipt for my records since I was unable to retrieve my credit as a result of not being able to verify my identity from questions asked based on 10+ years, information that a normal individual would not know off the top of their head, such as account numbers and credit limits for non-existent cards from over a decade ago; to my dismay after not being able to answer their ridiculously outdated questions, I was unable to receive what I ordered but was charged ANYWAY even after verifying from the representative that she would void the charge.