Trans Union

Sueanne of Courtice , ON June 4, 2009

I went to apply for a credit line and was told there were two outstanding debts in my name. The Visa and embridge accounts were not mine they were my Mothers. (same last name and her name is Susan)I explained this and they opened an investigation. They advised it would take 30 business days to be rectified. I called on day 15 to see if there was any update. When I called in they asked for my name, address and sin. I gave them all this information. Then they requested me to answer clarifying questions which were around the two debts in my mothers name. (What my previous job was. Which the options only gave me my mothers previous job).

I explained this to them and they refused to assist if I could not answer the question. I explained i would be lying if i answered the question and they advised I had no other option. I was floored that they still had questions posted for the debt I advised was not accurate. I requested to speak with a Manager. The Manager could not explain why they would ask me questions with the information I knew was worng. He kept saying it was my creditors that send this information and it wasn't them.

I asked what their policy was to ensure the sin and data from the creditors was verified with my information. He was not sure and I was forwarded to a voicemail with no call back. I had my mother call TD visa and embridge while I was on the line and her sin and details were used and sent to Trans Union. How is this company allowed to tag this debit to my name with only a similar name? What rights do I have.

This is now the 2nd time Trans Union has placed my mothers debit in my name. They keep blaming the creditors and the creditors are saying TransUnion is at fault. Needless to say I have not been able to get a resolution yet. 30 days have come and gone and they are still investigating. They advised me that they have a higher then normal work load and the investigations are taking longer. Continuing to pay higher interests rates as I am unable to qualify for my line of credit to pay off my cc. It has impacted my relationship with my Mother. I have spent hours on the phone with these people and no one has a clue.

Loran of Indianapolis, IN June 17, 2009

First off I am supposedly entitled to one free credit report a year. Which I get because you need credit to live in America (face this fact it's true)yet every time I try to get my free report from TransUnion they can't seem to produce it on line. But if I want to pay for one they cant produce it in a hot second.If I printed something about you or made a statement about you that was not factual then there would be consequences. But not for these guy's nope.

First if you can actually talk to a person and not a recording it's a miracle, and when you do it's like filling out a government form in triplicate to get them to consider reviewing your complaint. If they do review your complaint how long does it take for them to take action? Pretty much when they get around to it. What ever happend to getting a letter of recomendation from your bank, or God forbid you actually having a savings account, showing that you have the means and ability to earn and save money.

At a bare minimum you should be able to call a real live person during normal business hours in your time zone and talk to someone who can 1. Tell you what your credit score is. 2. Tell you how that value was derived 3. If there are issues tell you how to resolve them. If the report is factual then tell the client how to contact the creditor in question.

Loran of Indianapolis, IN June 17, 2009

First off I am supposedly entitled to one free credit report a year. Which I get because you need credit to live in America (face this fact it's true) yet every time I try to get my free report from TransUnion they can't seem to produce it on line. But if I want to pay for one they can produce it in a hot second.

If I printed something about you or made a statement about you that was not factual then there would be consequences. But not for these guy's nope. First if you can actually talk to a person and not a recording it's a miracle, and when you do it's like filling out a government form in triplicate to get them to consider reviewing your complaint. If they do review your complaint how long does it take for them to take action? Pretty much when they get around to it.

What ever happend to getting a letter of recomendation from your bank, or God forbid you actually having a savings account, showing that you have the means and ability to earn and save money. These companies have basically no responsability for what they report about you, and worse yet to see what they are saying they can charge you a fee to see. Isn't that like extortion? At a bare minimum you should be able to call a real live person during normal business hours in your time zone and talk to someone who can 1. Tell you what your credit score is. 2. Tell you how that value was derived 3. If there are issues tell you how to resolve them.

If the report is factual then tell the client how to contact the creditor in question.

Bernard of El Portal, FL May 30, 2009

I've requested a FREE 30 DAYS TRIAL CREDIT REPORT from TRANSUNION via their web site on 5/19/09. Since 5/20/09 I've been trying to cancel it. I've called many times via their 800 number and being given the runaround by customer service reps (they couldn't find my account to cancel it). Further I could not log into my account. Sent a return receipt/certified letter to Transunion to cancel it. Nightmares, unable to sleep, had to cancel my amex card.

MARCELO of VIRGINIA BEACH, VA May 22, 2009

I try the 30 days trial membership with credit union. When I decided to cancell it. Nobody is answering their phone. I am trying this for 3 weeks now, 30 times a days and different time but still they dont answer the phone.

sandra of conyers, GA May 19, 2009

Filed a claim to have an address I NEVER lived at off my credit report, now I have acquired MORE debt with interest cause billers are sending my mail to the wrong address and will not change my address cause they are going by the credit bureaus reporting address. more debt in interest on small bills. I have checked to be contacted by a lawyer on last complaints email only please

Nicolas of Wilmette, IL May 18, 2009

I enrolled in triple advantage to monitor my credit score. I noticed my score dropped with Transunion (My score was 667 in Feb '09) and Experian (649) to 576 for both in May. I am currently trying to reach them both, since my credit reports so no new negative information, charge-offs, liens, and my last late payment was in 2005. All I want is someone to tell me why my score dropped. FHA loan that was approved in 2/09 has been denied in 5/09 - lost the home I was bidding on. And its frustrating that there is no one to call at these companies that can explain my drop.

Dana of Artesia, NM May 2, 2009

I discovered recently that TransUnion/TrueCredit had been double-billing my account for quite awhile. After contacting them via their 800 number, and being given the runaround by a customer service rep (he couldn't find the account to cancel it), I filed complaints with Consumeraffairs.com and the Better Business Bureau. Within two weeks of filing the complaints the TransUnion customer service manager called and offered to reimburse us for the double-billed amount. She also confirmed that the account had been cancelled. And said she would issue a memo to their customer service reps to check ALL the tools available to them when searching for a customer's account. Of course, I will have no way to confirm that the memo goes out, but I would hope that TransUnion would make sure their customer service reps are properly trained.

Robin of Collierville, TN May 2, 2009

A few years ago I subscribed to a TransUnion credit monitoring service by the name of True Credit. For a fee that is debited quarterly they will alert you when your credit bureau is accesses and will provide credit reports and scores from the three major bureaus. In late 2007, I canceled the subscription but continued to be billed.

I called the toll free number and the company apologized and refunded my money. The next quarter I was again billed. I began calling the toll free number provided by the website and the agents had the records of my calls but still my bank account was debited, only this time they would not refund. I wrote letters with no success. Finally, in late Feb-early March I called and advised that I was closing my account to avoid further charges for a subscription that I did not want. The service representative stated that I had 2 subscriptions (potential fraud) and only one had been closed. He assured me that he would cancel the the second and that there were no other products in my name.

I closed my Regions Bank account and they agreed to flag that particular debit as fraudulent if it should occur again. In April, 2009 the company again attempted to debit the closed bank account, but were blocked. Yesterday, 5/1/2009, I received a collection notice attempting to collect the subscription plus fees with the threat that Telecheck had been contacted and I would no longer be able to use my checking account for purchases. I need help and do not know where to turn. When consumers subscribe to a service, there must be a way to cancel that subscription. And if that cancellation process fails, there must be a way to escalate. I have been trying for over a year to cancel this and according to the representatives I have spoken with in their call center, the records show the calls. I do not believe that I will be able to resolve this without assistance.

Dana of Artesia, NM April 15, 2009

Since May 2007 TransUnion/TrueCredit have been double-billing my credit card. When I called to cancel the account (you can't do it online), I was told that it could not be found, using either ss# or login id. An 800 number is the only way to contact customer service and they are totally clueless. If customer service can't find the account to cancel it, why can accounting find it to double-bill?

As a result of the double-billing, TransUnion/TrueCredit have gained 159.60 that they are not entitled to. I have contacted my credit card to attempt to keep them from gaining any more. We'll see what happens.

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