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Steve of Oregon, WI September 22, 2008
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 September 16, 2008
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 September 16, 2008
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 September 9, 2008
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 August 22, 2008
Emma of Waynesboro MS (08/22/08)
Possible company Gave Out information pertaing to credit information
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