Review and analysis of over 25 complaints against TransUnion Intermediate Holdings, Inc.
TransUnion Intermediate Holdings, Inc. consumers have reported over 25 official complaints related to Account terms and changes. Out of the 25 consumer complaints against TransUnion Intermediate Holdings, Inc., 32% were disputed by the consumer (i.e. the consumer was not happy with how TransUnion Intermediate Holdings, Inc. responded to their complaint) and 100% were processed in a timely manner. 8% of consumer complaints against TransUnion Intermediate Holdings, Inc. resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 16% resulted in non-monetary compensation.
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TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes April 8, 2017 - Transunion apparently gone to some credit model called -. This model is not recognized in the industry and considerably reduces a persons credit score. Mine was reduced by over - points on my FICO score. This causes a denial of credit when it otherwise would be granted. I have no negative records, a perfect payment record, and low credit inquiries yet with their score it puts me in a " POOR '' rating. This should not be allowed as it is not a fair and accurate representation of a persons credit worthiness.... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes April 6, 2017 - I recently visited -, -, and Transunion websites and purchased the credit score and reports products. The issue is that when I apply for loan through a lender all - credit scores were completely different and drastically lower than what the website showed compared to what the lender provided me with. I contacted the - credit bureau 's and they told me my score was based off educational score which when explained to me did not make sense. I then contacted lender and went to there office provided the online scores from each credit bureau 's. The lender explained that scores would var... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes April 5, 2017 - Trans Union had an " inquiry issue '' Trans union deleted - inquiries from my trans union credit report. About a week later they replaced these items back on my report. They never sent me any letters or attempted to make contact with me to let me know they added items back on to my report..... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes April 5, 2017 - I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. I submitted complaints here and the items were removed. Before these items hit my credit score ( - and Transunion ), it was up to -. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly - points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. What I am seeing is that... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes February 21, 2017 - TransUnion is falsely advertising that they will sell you your --bureau credit report and score for $9.00. Once you sign up, pay the $9.00, and log in, you are required to pay another $29.00 for the services advertised. I have attached a picture. Both my husband and I fell victim to this fraudulent advertising, but we caught it right away and were able to cancel. The customer service agent who took our call said that it was " never advertised '' that this service was included in the $9.00 initial price and that it was a separate service entirely. As you can see from the attached doc... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes January 28, 2017 - I have subscribed for over 10 years to Transunion Credit Monitoring. I am preparing to reconfigure my finances and am trying to discontinue use of my credit cards. With those goals in mind, I began calling agenc- ies who are currently receiving automatic payments against my credit card accounts. I have asked each of those agencies to outline alterna- tive pay methods ( i.e. direct ACH transactions from my bank accounts, checks, -, money orders, payments in advance on monthly sub- scriptions, etc. ) other than credit cards. On Friday, -/-/2017 I contact- ed Transunion Credit Monitoring... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes January 18, 2017 - The credit reporting agencies have been marketing their services to me while attempting to access my free credit report each year.... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes December 16, 2016 - I find no titles here that address my problem with - and Transunion credit reporting offices. I have no idea how they determined that by me using my credit card, that it should effect my credit score by a negative - when usage should have absolutely NO bearing on my score. Credit scoring was to be on how well we pay our debts, NOT when and how much we spend and by using what method we used for a payment method. Our spending habits are NONE of those credit reporting offices business! My credit score was up in the - area, plus or minus - or - points but since I used our credit c... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes December 14, 2016 - In - 2015 I signed up for TransUnion 's credit score service. Unknowingly I was on a 70 day " free '' account which turned to a $ - paid subscription after that trial period. I have unwittingly been paying the subscription without any receipt or notification of my monthly auto-payments. During this time I have NEVER used their services. They increased the subscription amount to $ - without notification as well. I would like a refund for my payments which I never authorized. They total - auto payments from my credit card since - 2015. I am on a fixed income and really can not aff... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes November 5, 2016 - Items are being removed from my credit report but it is not impacting my score in a positive way. I just had a big thing as a collection item from - removed and transunion decreased my score by -????? - increased the number as it should be. There is disparity with their numbers and - by - points and they have the same number of accounts. I try to dispute and their customer service is rude and never listens. When I report to you, i did once before i feel like they take adverse action on my account.This has been going on since I reported them to you. All they have done is decreas... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes September 23, 2016 - I wanted to do a credit freeze or lock on all bureaus for security reasons. This was easy to do on - and -. However, I found the TransUnion site to be misleading. I clicked on credit lock, entered the require data and was enrolled in credit monitoring, which I did not want. This service is -/month. At no point during this " enrollment '' process did the site tell me what I was signing up for. I thought that it was just the credit lock. After the fact, I determined that they planned to charge me the monthly fee beginning -/-/-. Then, I went through the process of cancelling the su... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes September 15, 2016 - I have spent countless hours and thousands of dollars cleaning my credit report and monitoring my credit and scores through a membership with Transunion in order to get my credit to a point where I could refinance my home. I recently hit a level that I believed was satisfactory based on the scores provided in my membership and I applied for a loan. This loan was denied based on the credit score that was provided to the lender which was -. However, the score that I am shown when I log into my Transunion account is -, which is a - point difference.... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes August 12, 2016 - This consumer : 1. Attempted to login to his Transunion account to review status. 2. Login, and or, password was not recognized. Consequently, this consumer is routed to a page asking what is the consumer 's high school mascot name and what is his email. I provide the right information. However, it kicks back as wrong. 3. I am routed to an off-shore - - - number. 4. I call that number. The Transunion representative can not access my information. and suggests I email my state or federal I.D . I email my state I.D . 5. I call back. This time, the Transunion representative states that my... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes July 24, 2016 - - ( Deceptive Business Practice ). This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, - -, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Transunion 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering o... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes July 15, 2016 - I HAVE MULTIPLE INQUIRES ON MY CREDIT REPORTS. I HAVE SENT MULTIPLE LETTERS DEMANDING EVIDENCE THAT I HAVE AUTHORIZED SUCH INQUIRIES AS THEY ARE DAMAGING TO MY FINANCIAL REPUTATION. MY SOCIAL SECURITY NUMBER IS POSTED ONLINE FROM A COMPUTER HACK OF THE MISSOURI - WEBSITE -/-/2011.... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes July 6, 2016 - -/-/- I was alerted by - - that I had - inquiries added to my report. This dropped my credit score by - points overnight. I had not applied to anything so not sure why - inquiries were added to my report. I also have not been notified by Transunion in writing that these had been added back to my report per FRCA Section 611.... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes June 25, 2016 - I am a subscriber to TransUnion Credit Monitoring. An important part of my subscription is the Credit Lock / Unlock function. The Credit Lock / Unlock function works like a Security Freeze, but it is NOT a Security Freeze. I do NOT have a TransUnion Security Freeze in place and have n't had for many years. My TU credit file is locked. I used the Credit Lock / Unlock function to lock it a while back. Yesterday when I applied for credit, the creditor told me it was locked. When I pulled my own credit report copy via TransUnion Credit Monitoring, my credit report specifically states it is locke... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes June 14, 2016 - In trying to lift a credit freeze from Transunion, I submitted what I thought was a request to control that freeze process. It turns out, though, that this was a credit *monitoring and alert* service. I gave them a credit card number for payment. However, the site had nothing to do with my credit freeze, which required a separate log-in and payment schema. Then I started receiving $20.00 charges each month from Transunion for this service. Apparently I had signed up for a trial period and the regular payments started. Exceptionally frustrating and shady. ... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes June 12, 2016 - Transunion, - and - have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why Transunion especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On - -, 2016, my credit score with Transunion was - and contained ( - ) hard inquiry. On - -, 2016, for whatever reason ( s ), Transunion lowered my score by ( - ) points? and added ( - ) hard inquiries to my file? - and - did the identical thing. In -, 2016, I filed a complaint against Tra... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes June 5, 2016 - My credit score has dropped - points and the only action taken is that the monthly monitoring fee of $19.00 was discontinued. The - credit based companies are paid as agreed and in fact are being paid ahead of scheduled periods. The complete breakdown of the unfair credit reporting and scores being shown on website ( - ) based on facts and details has the credit reporting companies dropping scores. Transunion has not in the last three months has not explained factually how the score is established and answers are total vague and based on unknown factors. Why should citizens have to ... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes June 1, 2016 - I do not really know what to select here. I could not find a way to contact Transunion about this problem without making a phone call which I am reluctant to do because I do not want others accidentally listening to my conversation. My problem is this : I can not freeze or unfreeze my credit report with Transunion without paying for their credit monitoring service. A cost of about $9.00 per month. I can freeze and unfreeze my credit reports with - and - for $3.00 per transaction. I want to know why Transunion does not offer this service. If this is going to continue to be the case, i... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes May 10, 2016 - Through my - - Credit card, I have access to credit tracking using TransUnion credit information. Recently, TransUnion moved from TransUnion New Account Model where my credit score was around - ( - ) to - - where my score dropped to - ( - ). The new model shows excellent for on time payments ( a strong impact on your credit score ), excellent on oldest credit line, average on credit used, average on New Accounts, - on Available Credit, and - - on recent inquiries which has a low impact on a credit score. I can not figure out how I can have a below average score... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes April 8, 2016 - Called Transunion to lower my monthly bill. They said, " the computer randomly selects who receives a lower rate, call back next month as see if the computer selected you. '' Really we are gambling with my membership and ability to monitor? ... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes March 9, 2016 - I 'm a - year old male, I applied to live at - - -, - - - -, -, CA - Prior to applying I short sold my, home, so my credit reports, FICO score was very low, in the - range. Now keep in mind, prior to applying, I lived in my home for - years, now bankrupties, eviction, criminal record, and after the sale of my home I am DEBT FREE. But because of a low FICO SCORE, I was declined residency in - - -. I call this DISCRIMINATION BY FICO SCORE. But lets call it what it really is and will become known as, DEATH BY FICO SCORE. Remember when HMO 's were no... |
TransUnion Intermediate Holdings, Inc. Credit reporting credit monitoring or identity protection account terms and changes February 27, 2016 - i was a victim of identity theft, so i put a freeze on my account. due to the identity theft, under california law i can freely do temporary lifts. at equifax and experian i can easily go to their freeze website and use the pin they sent me to temporarily lift the freeze, but at transunion i was forced to setup an account and even then using my pin i 'm charged $10.00 to temporarily lift the freeze. i 've called to manually lift the freeze, but that is a long process since it is almost impossible to get to someone to speak to and impossible to do on the weekend. i 've asked them various time... |