TransUnion

THE ABSOLUTE WORSE! EMPLOY AMERICANS, PLEASE! I DON'T TRUST THESE PEOPLE WITH MY PERSONAL INFORMATION. FELT UNEASY THE WHOLE CONVERSATION THEN WAS HUNG UP ON AFTER BEING TOLD I'D BE TRANSFERRED.

I find it deeply unfair that my credit score is based on completely incorrect information about me not being on the electoral roll.

Before Reading this Review - do some research on Google to view the recent Court case Ramirez vs TransUnion and another case in 2005 in regards to the thousands of people that TransUnion has falsely flagged as Terrorists and Drug Lords and then reported that LIE in their credit files just because their name was "similar" to a possible Terrorist on the OFAC list. Then proceeded to hide it from the customers when they asked to see their own credit report. It's disturbing what this joke of a company gets away with. As for my personal issue - If you file a dispute on your credit report using their website, they will NOT actually investigate. Within 12 hours of my dispute, they simply marked the account "Valid" while the other credit report companies actually took a week to investigate and overturn the false report. This is the absolute worst company who will report your FICO score anywhere from 50 to 100 points LOWER than the other 2 reporting agencies. Some advice - the next time you apply for a loan or a new credit card, ensure that the company does NOT use Transunion during their credit check and you will have an approval for sure. Simply research which companies use Equifax and Experian before applying. Transunion needs to be put out of business or many more lawsuits need to occur to get that "so-called" company in line.

The worst reporting, you can't even update your profile without paying for their service.

The information is not accurate!

I PAID MY US BANK ACCOUNT IN FULL AND THESE MOTHER$#*!ING SONS OF $#*!S ARE SAYING THAT I STILL OWN MONEY TO US BANK WHEN I I KNOW 100% THAT I NO LONGER OWN US BANK WHAT THESE MOTHER$#*!ING SONS OF $#*!S ARE CLAMING

Try to suck you into a 25 dollar a month credit score loop. They should never be able to have this information on citizens

Nothing on the website works. I never write reviews but this company is that bad I feel it to be necessary.

They need to be put out of business

I have reached out to this company multiple times over the last 3 weeks in order to have information updated on my credit report. There is NO option to email them a copy of a 0 balance letter, there are NO HELPFUL people at this company, they do not care about the customer on the other end of the line. They sound like ROBOTS all repeating the same thing over and over and never answering a question. I simply do not understand, if i can file a dispute online and provide the documentation ONLINE, then why can i not EMAIL the 0 balance letter. Oh WAIT, you cannot file a dispute online AND provide supporting documentation, because NOW, three weeks later, they are having technical difficulties and the ONLY way to get them the information is to send it in the mail. With todays technology, i should be able to send them a snapchat of the letter and they should be able to get it.
Waste of time, I do not know what government agency gave them power over MY CREDIT SCORE, but they need to seriously rethink it.

After making ten calls and writing 2 letters to TransUnion.com, the company has proven to be the worse agency when it comes to addressing customer issues. 1). The call center is not in the U.S. so there was a slight problem in understanding the call center agent and the agent's ability to understand U.S. English. I had to repeat account numbers several times and had to re-verify my information after being transferred to various departments. 2). In dealing with ten different agents, and supervisors, it is obvious that the staff is poorly trained. A simple problem of updating the account number of an existing credit card number based on the dispute letter I had submitted, resulted in TransUnion removing a 20 year account that caused my Credit Score to drop from 798 to 779.3). Managers and agents became defensive when I told them that TransUnion had caused the problem and one manager transferred me to a "ghost" extension after I asked to speak to his manager. 4). The SAD and SCARY thing is that several companies use data reported by TransUnion in their credit decisions. 5). When you Google TransUnion you will find similar complaints like" "Customer service is sooo horrible." "Worst credit reporting company ever!" 6). I purchased Credit Monitoring from all 3 Credit Reporting Agencies to monitor my credit, and fix any errors, for the mortgage that I plan to obtain in 2017 and TransUnion has consistently proven to be the worse company to deal with. Anyone interested in obtaining their FREE CREDIT REPORT as mandated by the government can go
https://www.annualcreditreport.com. Site has been set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law.

This company charges a 1 dollar transunion credit report that quietly signs you up for $29.95 monthly. $#*!s.

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.

Pray for help because it seem that the only thing I can do 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!

I'll try to control myself. It's hard to measure incompetence at the level that TransUnion shows. It's very difficult to reach a human being these days. They take you down the response bot tree, or they invite you to visit them on the web, because you are too lazy for self-service.

Press 0 to speak to a human is a thing of the past. When they disabled that, they cut their call center staff by 90%. But what if you have a problem that you know requires a human to respond to. There are actions that you may need that a bot is not authorized to do.

When I reached a human, I explained what I needed. It didn't fit her script. But before I finished the sentence she had put a fraud alert on my account, and that was an incorrect solution. I tried again. When the human said for the fourth time "... As I told you before sir… ", I ended that call the quick way by pressing a red button on my mobile device. I don't want to be patronized when I'm trying to get help.

You can't escape these guys, yet they have a staggering amount of control over your financial well-being.

Here's a tip, humans are not allowed to hang up on you (bots can). If you ask for a supervisor because you are dissatisfied, they won't give you to one. But if you ask for one because you are satisfied, you'll go right through. "Sorry I had to do this, but…" and state your case.

Finally, if you're fortunate enough to speak with a competent CSR, give them a little love: a gushy servey response, or better, talk to their manager and say they were good. They can get their name up on the big board for everyone to see, or get employee of the month, stuff like that. $$ to them.

I have been trying to reach them for 5 days now. Do they really have agents at the othe end of the line?

They never answer the phone for the rental department was on put on wait for 3 hours just gave up and hung up!