Trans Union

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

Dana of Artesia NM (04/15/09)
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.

Renae of Decatur, IL April 14, 2009

Renae of Decatur IL (04/14/09)
This really deals with all three credit bureaus, and because of it, I do not know where to get good advice. My credit score went from 740-750 down to 690. The credit report was filled with all wrong information.

For instance it stated my credit score would improve if I had purchased a home. My profession for 22 years was as a Realtor. I own a three level four bedroom home right now, but it is paid off. After talking to the representative, she told me because I did not have a mortgage, or a car loan- heavens forbid, I paid off that also, this is hurting my credit score. Is this reality?

In the face of our economic climate with record foreclosures, defaulting on credit cards and repossessed cars, I am punished because I paid my house off plus my car and I pay my credit cards? Please tell me where to go to get an accurate picture of what a person is to do. If this representative is correct, and I have to get into debt to raise my score, then I will have to be branded as someone whom is a poor credit risk.

Maybee of New Milford, NJ April 7, 2009

Maybee of New Milford NJ (04/07/09)
I disputed the wrong information on my credit history 2 times on mail providing written statement with supporting documents (copy of my license and social security card). My sister's first name is similar name to mine. our last names are same. I waited all this time to get everything fixed, finally i got my credit report for the 2nd dispute after their carelessness , still my credit history contains all the information from my sister.

Now i disputed third time over the phone, it might take an other 30 days . I don't know if they will fix it this time. I am applying for a home mortgage. Just because of TransUnion I can be denied for my mortgage and loose the opportunity for buying a house, plus the money I spend so far for planning to buy the house. Equifax and Experian fixed my credit after I disputed . TransUnion is not doing what they suppose to do . They are only screwing up my life and my opportunities .

IF TransUnion doesn't fix my credit history I am sure my mortgage will be denied. I am going to loose all the deposits and money I spend towards purchasing for the house. And I am going to loose my opportunity to be a home owner. Just because of their neglegence. And mental agony for loosing my money and opportunity .

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