TransUnion Credit Reporting Complaint

TransUnion Credit reporting department,

Credit monitoring or identity protection Problem with fraud alerts Illinois

TransUnion is making its customers listen to - minutes of advertisements for paid credit-monitoring services before TransUnion will place a fraud alert on the customer 's file. The way TransUnion describes these paid services is unfair and abusive because consumers have to listen to the advertisement and decline it - before TransUnion will complete the request to place a fraud alert on file. The way the advertisement is presented and the timing of the presentation make it seem like a required part of the process of placing a fraud alert on file. Background is as follows. On -/-/15 I called TransUnion to place a fraud alert on my credit file. ( I had just learned my social security number had been stolen and someone was using it. ) I went through TransUnion 's prompts on initiating the fraud alert. Then, before TransUnion 's automated system said the fraud alert was placed, it played an advertisement for paid credit-monitoring services provided by TransUnion. This ad was about - seconds long and followed by a choice to press


- '' and decline the service. I pressed -. '' TransUnion immediately played a - advertisement for the same service, this time - seconds in length and using much more alarming language, again encouraging me to pay for the service. Again I was presented with the choice to press - '' to order the service or - '' decline it. I pressed -. Only after I declined the service - did TransUnion 's automated system state that my request to place a fraud alert on file was successful. TransUnion should not be able to require victims of identity theft to listen to TransUnion 's paid advertisements as the price for placing a fraud alert on their own files. But that is exactly what TransUnion is doing right now.