TransUnion Credit Reporting Complaint

TransUnion Credit reporting department,

Credit monitoring or identity protection Problem cancelling or closing account New York

My fiancee and I are thinking about moving. Before we put in an application on an apartment, I wanted to check my credit score. I went to the FTC 's website and followed the directions to get my free credit report. Once I received my free credit report, I wanted to have the report translated into a credit score. I went to Transunion online. I believed I was signing up for a one-time fee of $1.00 to receive my credit score. Transunion charged my credit card $1.00. One month later, on - -, I noticed a charge for $19.00 on my card from Transunion. I disputed the charge with my credit card company and received a refund. I assumed it had been an error. On - -, I noticed a second charge, likewise for $19.00, from Transunion. I called Transunion. The first operator I spoke with demanded my SSN, full name, mother 's maiden name, and email. He asked if I wanted to


cancel '' the subscription because I had never enrolled. After talking to him for 8 minutes, he explained that he had canceled my subscription, but that the system was down '' and that I should call back in an hour. I called back three hours later. This time, Transunion asked for my SSN, full name, mother 's maiden name, date of birth, email address, and security question. I then explained that I had noticed recurring charges on my card for services I had not enrolled in. I asked them to stop the charges. I also asked for a refund for the charges previously made. The operator stated that no refunds could be given for services that were provided. I then asked to speak to a manager. She said she would transfer me. The mechanical voice then stated Please hold while we transfer your call. '' Twelve seconds later, the voice said, We 're sorry, the transfer can not be completed. '' Then the line was cut. 1. I did not knowingly or intentionally enroll in any program. I read the website carefully. 2. I did not receive any services. 3. I was charged three times for credit reporting services. 4. When I tried to cancel, I was first told that the system was down. When I asked to speak to a manager, I was disconnected. 5. I believe I have been defrauded by Transunion. I further believe that the amounts I have been charged are so small as to make the hassle of challenging the charge too great. I further believe Transunion imposes these charges on unwitting customers who need to use its services in order to receive their credit scores. 6. I worry that Transunion was phishing for personal data and does not safeguard it as they should. I worry that they will sell it. 7. I believe demanding so much personal data before discussing an account serves as a disincentive and discourages people from canceling '' services they never applied for.