TransUnion Reviews

I've maintained an account with TransUnion for many years (along with the other two credit reporting agencies) for purposes of maintaining a credit freeze on my account. Today I logged on to do a temporary lift, a routine process. During login, 2FA sent a code to my e-mail, but I delayed in getting back to the web to enter the code. Due to the delay (I presume), it "temporarily suspended my account". I called to resolve, and after talking to several reps, including a supervisor, was forced to just give up without resolution. They insisted that I didn't have an account, despite that "my account was suspended". The supervisor was impatient, rude, and condescending. I am not sure if TransUnion outsources support, but I can be sure that the organization does not value customer experience. Zero stars.

Have an excellent credit score. Had a loan with Toyota Financial. Never late and never missed a payment. Payed off loan early to avoid paying additional interest. Check credit score down -10 points. Dispute with TransUnion and informed to them it is viewed as a closed account. This was not a credit consolidation it was a settled account and ended by Toyota because account was satisfied in full. Protested it and was told they still view it as a closed account and won't do anything about lowering my score.
Let me be clear Payed On Time Never Missed A Payment And Payed Loan Off Early.
The same company that stresses the importance of good credit and wants to charge a fee to monitor it can legally lower your score even though you have done everything in accordance with your loan agreement.
Think About That.

BE WARNED automatically Signs you up for $25 subscription/month hidden within a $1 credit check. This is not mentioned notably in any part of the credit check but is at te very bottom of one of the 1000x emails you get here on after doing the credit check. Only caught this after 4 months of payment.

Ever since i got a car, paid off a huge old debt, and got a credit card, my score has gone down. Never late on any payments ever and they drop my score by 40 points bc im using a bigger % of my $360 dollar limit (SECURED!)credit card. Like, are you kidding me!?!?!? You want me to calculate and make sure i get my limit up to 10% or something!?!? So i need to buy juuuuuust enough stuff to get my balance up to 36? I can not believe this bologna. Not to mentioning why it did not even move after i got a car loan, made every single payment on time, then settled a $2k debt. The past 3 years I have been doing everything perfectly and my score has only ever gone down. Completely ridiculous

The incompetence is really scary. I have a credit freeze with them and the other credit bureaus, and I was trying to lift the freeze for just 48 hours while applying for something. Well, something simple quickly turns into a project...

1. Their online website based system has not been accessible for two days now. You just get an error message.
2. The automated phone system version doesn't work either. You get an error there as well, after spending time putting in all your information.
3. The last resort is to call an agent and do it manually with them. But then the PIN they sent you doesn't work either, so now the agent has to take you through all these security questions from your credit report, and it takes forever. And one of the reasons it takes forever is that when you call, you get someone in the Philippines or something, and they are hard to understand. So, this US based company, handling the highly sensitive information, outsources their call center work to to foreigners, in another country... huh? That's who you give your social security number to, and your address, etc. Very confidence inspiring indeed...
What a $#*!ty company. I can't believe this can happen in today's world. But it's only because they don't have to answer to anyone. Customer service is an unknown concept to them.

I wanted to order a credit report, not a recurring subscription.
I used their service 3 years ago, and only today I'm realising they stole hundreds of dollars from me, because they continued to charge me $20 each month for a service I wasn't using, and didn't realise was recurring.
Usually when I order documentation online, it doesn't come with a recurring fee.

I guess the lesson here is... No matter how reputable the company, don't give them your credit info unless you're receiving a physical product.

TransUnion refuses to remove an unauthorized hard inquiry on my credit report. I was a victim of identity theft in Jan 2020, and Wells Fargo contacted all of the credit bureaus to remove the account and change the inquiry from "hard" to "soft". Every credit bureau EXCEPT Transunion has already fixed the issue months ago. There is no reason Transunion cannot complete a simple request in almost a year's time.

I called Transunion today (12/9/2020@ 7:35 AM PST) and spoke to three reps on the phone (*******604) who kept saying the next person would remove my inquiry. However, the last female "supervisor" at 7:50 AM refused to remove it and told me good luck... I wish I had written down her name to file a complaint with Transunion because she was really rude, unhelpful, and unknowledgeable about the whole process of removing an unauthorized inquiry. The first two reps sounded like workers outsourced in India, and the last woman sounded like an actual person in the US. Everyone just asked the same dumb questions over and over without doing anything to help.

Note: I have also filed a complaint with Consumer Financial Protection Bureau (CFPB) to make sure the government is aware of Transunion's fraudulent consumer practices. I suggest doing this if you want to escalate your problem and get proper resolution.

Misleading. Missing Chase/Citibank cards, they do not report to Transunion. Affects both ways: you can default but because it is not reported whoever inquires is not getting the full picture. Or the person gets lower score because it doesn't show enough credit cards or long tenure ones. Either way a flaw on Transunion's reports.

THEY DO NOTHING UNLESS YOU PAY THEM, THERE'S NO FREE HELP HERE. YET OUTSIDE COMPANIES USE THEIR RATINGS, STUPID PEOPLE, TRANSFUSION IS A CON ARTIST, RIP OFF COMPANY

Went to sign in to TransUnion Credit Monitoring and clearly they have designed it deceptively that you do not realize that there is a $27.15 membership fee $24.95 plus tax until you get the receipt after your credit card is charged. It is not made clear beforehand and truly a deceptive practice especially for a Credit Monitoring Company. TERRIBLE!

Afterward, there is really nothing being offered that you cannot get for FREE from CREDIT KARMA.

This company is pathetic and apparently no one there knows what the hell they are doing. I get updates all the time from my Bank and Experian about my credit score and it is always around 677 but I just refinanced my new truck and the bank said Transunion score is 636 (what the f- - -) is with this company? If they can't keep better records that they need to close down. I printed out my free credit report from Transunion and there is (33) inquiries on my credit report I don't even know who they are so when I go on Transunion to file a dispute guess what says the site is not working ( how convenient) The problem here is when you buy something or apply for credit the score they go buy is Transunion. This company needs to be restructured NOW...

This site is TERRIBLE. The worst customer experience. I froze my credit with all three credit bureaus. The other two offered self serve options. TransUnion still requires sending information through the mail. It feels like the 70's.