Review and analysis of over 116 consumer complaints
| TransUnion Intermediate Holdings, Inc. |
| TransUnion |
| Experian |
| Equifax |
| Equifax |
| Experian |
| TransUnion |
| TransUnion Intermediate Holdings, Inc. |
| Company | Complaints |
|---|---|
| Experian | 44 |
| Equifax | 29 |
| TransUnion | 27 |
| TransUnion Intermediate Holdings, Inc. | 9 |
| Citibank | 2 |
TransUnion Intermediate Holdings, Inc. Credit reporting improper use of my credit report received marketing offer after opted out April 7, 2017 - In 2015, I ordered workout items from -. They offered to open a account. I accepted. - later sold the account to -. They sent a credit card from their bank. I refused the card and paid the account off to -. The Bank continued to send statements and enrolled me in their VIP program for $14.00 a month. I immediately called - to cancel this card and program again. - continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like - was convicted of, to open new accoun... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out April 7, 2017 - In 2015, I ordered workout items from - Co. They offered to open a account. I accepted. - later sold the account to -. They sent a credit card from their bank. I refused the card and paid the account off to -. The Bank continued to send statements and enrolled me in their VIP program for $14.00 a month. I immediately called - to cancel this card and program again. - continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like - - was convicted of, to open ne... |
Citibank Credit reporting improper use of my credit report received marketing offer after opted out March 4, 2017 - I agreed to just applying to see if they would accept me on getting a sears card, ( I did n't know any better ) which I was declined ( rejected ) therefore I figured it was for the best and left it alone. I did my checking and came to find out it shows up as a hard inquiry affecting my credit score. Even after been rejected and never applying again.... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out January 4, 2017 - Request for permanent removal from preapproved credit offer mailing lists was submitted -/-/-. After continued receipt of unwanted offers, on -/-/-, I sent a reminder of my submission. Here it is -/-/-, and I am receiving a new offer from - that states it comes from " prescreened '' list. I am very displeased at the lack of attention my request was given.... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out November 23, 2016 - Due to the information listed on the usa.gov/credit-reports page, I believed that I was entitled to a free credit report from Experian.com ; when I attempted to sign up for an account on their site and realized they were trying to charge me money, I actually aborted the sign-up process and did not complete it, but they nevertheless have been charging a monthly fee of - from my credit card for months while providing absolutely no service or information in return. I was never given a score, report, or credit information of any kind, by email, paper mail, or any other means. According to t... |
Equifax Credit reporting improper use of my credit report received marketing offer after opted out November 15, 2016 - This Bureau chooses to report incorrect information as well as fails to send reports in a timely manner. This Bureau will even report information differently to you than it does with the creditor you applied with. Sadly you file a Dispute and it does nothing more than update inaccurate information with Court documents. Rather than remove it, Equifax takes the stance with the inaccurate reporter. Example - - - - of -. This name dispute causes this bureau to not remove even with the Court documents. Please help me we are homeless and want to buy a home we are held hostage by this ... |
TransUnion Intermediate Holdings, Inc. Credit reporting improper use of my credit report received marketing offer after opted out October 19, 2016 - There are several inquires listed through a company named -. I did not give anyone authorization to pull my credit -/-/2016, -/-/2016 and -/-/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull there credit three times in one month.... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out October 19, 2016 - I 'm not sure that this is the correct option for this particular complaint. Here is the issue : I was told by a local government job placement training to check my credit report to enhance my chances of getting a job. I was told to go to -, and that it was a free service. Indeed, when you first log onto -, it says that it is completely free ( see screen capture attached ). All throughout the application process, it says that the service is free. I do n't remember ever going to the official Experian website. But I do remember agreeing to paying $1.00 to find out what my credit rating... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out October 14, 2016 - About a month ago, I had a reason to contact the Experian Credit Reporting agency about my credit scores being grossly inaccurate. I have a perfect credit history but they lowered my score to barely acceptable. During that contact, I was asked if I would like a copy of my report for $1.00. I accepted the offer as the price was right. Now they are billing me on my email account for $21.00 as some kind of membership in something I do n't know about and sending me unsolicited emails. When I called them, they claim there was a " hidden '' acceptance of a membership of some kind that I accepted... |
TransUnion Intermediate Holdings, Inc. Credit reporting improper use of my credit report received marketing offer after opted out October 12, 2016 - I am a small business owner, during the months of -, - the administrator of this company had reached out to a couple of funding sources with my permission. However, during the month of - several marketing funding offer came through after hitting my credit report. I have not been able to get the names of all the companies but I did not give my permission to obtain a credit check. I believe this cause a significant drop in my credit score.... |
TransUnion Intermediate Holdings, Inc. Credit reporting improper use of my credit report received marketing offer after opted out October 11, 2016 - I have written Trans Union and asked them to remove the incorrect addresses from my reports Date:-/-/2016 REF : - To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : These are the only - addresses that I have lived at - - - -, - - - , - - And - - -, - - And - - - - , - - Please remove all the other addresses off my report. They are not correct. I have never lived at the - - - in - -, - - -. Driver License and Proof of Residence... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out October 11, 2016 - - - - - - - - - -, - - - - - - - , - - REF : - Date:-/-/2016 To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following HARD credit inquiries are related to none of the aforementioned permissible purposes : - - - - - - - - - - - - - - -... |
Equifax Credit reporting improper use of my credit report received marketing offer after opted out October 11, 2016 - I have requested Equifax to remove the hard Inquiries from my credit report - - - - - - - - -, - EQIFA- - - - - - GA - REF : - Date:- To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following HARD credit inquiries are related to none of the aforementioned permissible purposes : 1. -... |
TransUnion Intermediate Holdings, Inc. Credit reporting improper use of my credit report received marketing offer after opted out October 11, 2016 - I have written and requested that Trans union, - and - and asked them to please remove the incorrect addresses from my report and also to remove all Hard Inquiries from my credit report immediately! The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. Trans Union The following HARD credit inquiries are related to none of the aforementioned permissible purposes : 1. - - ... -/-/2016 2. - -/-/2016 -. - -/-/2016 4. - - -/-/2016 5. - -. -/-/... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out August 1, 2016 - I do not want to be a victim of identity theft and I do not wish to receive any offers of credit in the mail or email. Please help me in stopping them. Thanks. - -... |
TransUnion Intermediate Holdings, Inc. Credit reporting improper use of my credit report received marketing offer after opted out July 6, 2016 - Every month - - - - - has been doing hard inquires on my credit. I never had any doings with this company or ever gave them permission to check me every month. Please help, have them REMOVE ALL their inquires from all - of my reports or i will sue for - for each. i also signed up to optout this -. -, - -, - Ut - ... -... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out June 8, 2016 - I signed up for credit reporting with Experian not understanding that I would be charged a monthly $20.00 fee for the credit report. The month after I signed up, I called my bank and disputed the charge to my credit card. They explained to me that this was a common complaint, and Experian was difficult to work with and ultimately resolve the $ -/month charge. They recommended that I cancel my credit card and avoid working with Experian in the future. I did this. The following month, under my new credit card, the charge appeared again. I had not contacted Experian with my new credit card n... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out May 8, 2016 - The attached .pdf distinguishes the intended language that - uses as quite different what Experian uses ; such that I am not sure where the criteria was disseminated to the creditor. While I therefore complained about this offer 's company, in a separate CFPB yesterday, my purpose on this complaint is to specific language prohibiting violations of both opt-in and opt-out consumers on Experian 's reports. The FRCA, ( see page - of attachment ; bottom of page ) says that consumers can exclude " unsolicited firm offers of credit and insurance '' which brings up some differences between how ... |
Equifax Credit reporting improper use of my credit report received marketing offer after opted out May 5, 2016 - I was seeking information on lower interest rates for mortgages for my Daughter. When the form asked for my SSN, I opted out not wanting to give my SSN since I was not inquiring for myself. At this point I assumed it would close the form and no harm done. This appeared as a hard inquiry on my - and Equifax Credit Report that resulted in lowering my Credit Scores.The company that filed the inquiry was - -. ... |
TransUnion Intermediate Holdings, Inc. Credit reporting improper use of my credit report received marketing offer after opted out April 24, 2016 - I only allowed - authorization to pull hard inquiry, not - or -. Please remove these - inquiries. ... |
TransUnion Intermediate Holdings, Inc. Credit reporting improper use of my credit report received marketing offer after opted out March 31, 2016 - - reported on my Transunion Credit Report on the following dates : -/-/15, -/-/15 and -/-/15. I did not inquire any information regarding this company. These are - hard inquiries. ... |
Equifax Credit reporting improper use of my credit report received marketing offer after opted out March 25, 2016 - Equifax continues to breaks the laws and commits numerous FTC violations regarding my credit file. I opt out from promotional inquires -/-/-. I placed a credit freeze on my file - -. Not only have Equifax allow my credit file to be pulled by unknown companies last year Equifax continues to allow companies to pull my file after the credit block was place on my file. Equifax is - of the reason I believe that my credit file has been compromise, stolen and misuse. Equifax does not protect my information. I continue to receive offers from third party companies because of this lack of ... |
TransUnion Intermediate Holdings, Inc. Credit reporting improper use of my credit report received marketing offer after opted out March 23, 2016 - Hello, I purchased a automobile in - 2015. I instructed the dealer to ONLY run - report ... Later, - or more showed hard inquiries showed up on my - credit reports. I called each company and asked them to remove ... No Luck ... On - -, i called - and they convinced me to sign up with them and i told them i would, but i did not wanted a soft or hard report ran on my current loan. I told them i just wanted to compare rates, nothing else .... Later that day, i began receiving Multiple email offers and phone calls ... I contacted - - and complained. The emails and phon... |
TransUnion Credit reporting improper use of my credit report received marketing offer after opted out January 18, 2016 - I have placed a fraud alert and freeze on all - creditors. I will like to know if my personal information and credit inquiries are used by a third party to commit fraud. I have all these credit inquires and was not inform about any credits or gave my consent to any company to use my personal information. ... |
Equifax Credit reporting improper use of my credit report received marketing offer after opted out January 17, 2016 - I had surgery late - and I was out of commission for about 7 days. My friend named - - - or - stayed with me so that she could care for me. I found out that she put a credit card -- in her name using my social security number, her address and her email address. I recognized her email address and that is why I figured out who stole my identity. Also, I had - other cards that were stolen and I could not determine who stole them, however it was around the same time as this one., so I assume that she stole these as well. - went unidentified because she would use these cards... |
Clarity Services Credit reporting improper use of my credit report received marketing offer after opted out January 5, 2016 - On - -, - I pulled my credit report form - and noticed that Clarity Services have pulled my credit file without my permission and on be half of lenders I did n't apply to. These or hard hit inquires that will remain on my credit file for two years. Dates or as follows : - -, -, twice - -. I opt-out on - -, - from any and all promotional companies to review my file. Show less Account name CLARITY SERVICES INC Date of request -/-/- - - -, FL - - - - Address identification number - Comments Line of credit on behalf of - -... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out December 18, 2015 - Personal info stolen fro -. Attempts to get credit cards from companies that I already have an account, caused hard hits on my credit report. ... |
Equifax Credit reporting improper use of my credit report received marketing offer after opted out December 18, 2015 - Personal formation stolen from Department of Veterans Affairs. Many attempts to gain credit cards by hacker caused hard hits on my credit report. ... |
TransUnion Credit reporting improper use of my credit report received marketing offer after opted out December 18, 2015 - Personal information hacked from records at the Department of Veterans. Affairs. Had to cancelled and be reissued bank card and credit cards. Attempts to purchase credit card by hacker cause hard hits on my credit report. ... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out October 16, 2015 - I wanted to close a security freeze lift I had placed on mycredit file earlier than originally input. Experian providesno means to accomplish this. ... |
Equifax Credit reporting improper use of my credit report received marketing offer after opted out October 5, 2015 - In violation of FCRA, the above mentioned credit report by Equifax , a section of Inquiries that are not considered when evaluating your credit worthiness '' contains name of the following companies, to which Equifax disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt despite OPT-OUT : Company Information : - - - - -, -. - Information : - - - : - - Information : EQUIFA- INFO -Company Information : -, - Information : - Information : EQUIFA- INFO - Information : - Information : - should E-PLAIN & PROVE... |
Quicken Loans Credit reporting improper use of my credit report received marketing offer after opted out October 1, 2015 - Upon receiving information regarding refinancing while reading information via email from Quicken Loan, I did not authorize them to do a credit inquiry. I decided to cancel any additional services to inquiry. The request on my credit report lists Quicken Loan as making a credit inquiry, this was not authorized and should be removed. ... |
TransUnion Credit reporting improper use of my credit report received marketing offer after opted out September 8, 2015 - I decided to get a car - and they had suggestedfinance options. I entered my information online after checking and confir-ming with them that they will let me know before sending my informationto the financial institution. they sent my information to - financial instit-utions without my consent. I have unnecessarily been hit with - hardinquiries. I ended up taking an auto loan from a company I previouslyfinanced my old car from. I am attaching the matter on my creditapplication, where it clearly mentions that I will be informed about the financial institution, - will be sending my ... |
TransUnion Credit reporting improper use of my credit report received marketing offer after opted out August 19, 2015 - We went in to look at the cost of a vehicle and filled out paper work to see if we were able to get a loan from one company. At the first denial we decided not to continue with the dealership but the dealership kept sending out loan request even after we no longer stated we were no longer interested and no longer wanted to deal with the dealership. The inquiries were all done on - - 2013, the original and approved inquiry was on - -, 2013. ... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out August 18, 2015 - I continue to receive offers under my previous name, - -, over - months after opting out of marketing offers, and after filing a complaint - months ago, in which the company stated it may take a year from my original opt-out date of - 2014. It has been well over a year and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. Thi... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out July 30, 2015 - I paid $4.00 to Experian to receive my Fico score after viewing mctheyy creidit report ... |
Experian Credit reporting improper use of my credit report received marketing offer after opted out July 25, 2015 - I was deceptively charged a fee after receiving a credit report for - dollar. I cancelled the service immediately and Experian did not honor the cancellation. his company was sued before for the same offense and it is at it again. Experian is getting away with deceptive practices and no one is stopping them. I feel that the US government should intervene before many others are being ripped off. ... |
Equifax Credit reporting improper use of my credit report received marketing offer after opted out July 4, 2015 - Equifax has added '' a name I have not used in 20 years-says it 's a new name replacing - -, which I always use or if needed my legal name - - as on my - card, no middle initial used. 2nd : There are many car dealers whom I do not know or have given them to check my creDit. I am furious with this. Only - dealers authorized recently : - and -. NO OTHERS!!! 3RD : I actually have not checked of late, but a Student Loan was listed and should not be, satisfied due to - from -. 4th : Car loan with -. CAR WAS PAID FOR WHEN SOLD AT AUCTION. Price I owed is way o... |
TransUnion Credit reporting improper use of my credit report received marketing offer after opted out June 11, 2015 - On -/-/2015 a hard inquiry was made on my credit report by - - -. I went to the Car Dealership and spoke with a - - who admitted to pulling my credit report because he got my information from a third party source by the name of - - ''. Regardless of whether or not how he got my information, I never consented or agreed for this car dealership to pull my credit report. He stated that he receive leads from these companies and use the information to run credit in order to see if companies pre-qualify for auto loans. This company never informed me or received my consent ... |
TransUnion Credit reporting improper use of my credit report received marketing offer after opted out April 13, 2015 - I 'm trying to see my credit reports ... |