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Business Profile

Credit Reporting Agencies

TransUnion Of Canada Inc

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Reporting Agencies.

Important information

  • Customer Complaint:
    Due to the volume of complaints received, BBB is publishing the details (text) of 50% of complaints as a representative sample.

Complaints

Customer Complaints Summary

  • 192 total complaints in the last 3 years.
  • 71 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:03/12/2024

    Type:Service or Repair Issues
    Status:
    Unresolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Back in May 2020 I filed a proposal that included ***** **** in the proposal, I received a certificate of full performance that same year Oct 2020. ***** **** had 45 days to respond from the date the consumer proposal was filed with the *** to accept or reject my proposal and after many attempts by myself and the trustee they did not respond, Its my understanding if they do not respond with in the 45 days they will be deemed to have accepted my proposal. In January of 2021 ***** **** reached out to my trustee at *** to make a claim *** responded saying that basically its to late and a certificate of full performance was received Oct 2020. I waiting the 3 years from the time I received the certificate of Full performance to start cleaning up my credit, I ***** * ******* **** ******* *** ********** **** *** ******** ** *** ******** *** **** ******* *** ********* ***** ***** * **** *** *** **** with TransUnion I filed a dispute in January of 2024 everything was taken off and updated except ***** **** they informed me that ***** **** is saying its reporting on my credit report correctly as a R7 derogatory mark, I explained to them that it was included in my personal and that it needs to be taken off with the rest of the account in the Proposal. I then filed another dispute on November showing that ***** **** was aware of the proposal and I provided email communication to show this with a fax confirmation again is was denied and they will not update/remove this from my credit report which is impacting my credit. * ** *** **** ** ****** * ******** ******* ** ****. My understanding is under the law I am protected under the bankruptcy and proposal guidelines and if ***** **** was included in the proposal and its been past the 3 year waiting period then my report needs to be updated and or it be removed along with the other account that have been removed. ******* *** ******* **** **** ** ****** *** ** ********** *** ***** *** *****

    Business Response

    Date: 13/12/2024

    Hello,

    Please note that we will communicate with the consumer directly.

    Thank you.

    Customer Answer

    Date: 18/12/2024

    I am rejecting this response because: I pay to have the service it's not a free service maybe for some, but I pay a monthly $28.19 per month to monitor and correct any issues on my credit as I have done so twice to dispute something that was left on my credit when it was included in my proposal, everything else that was included in the proposal has been taken off but this one thing **** ** ******* *** ****** ** ********* * *******. I will not continue on to report this to the office of the superintendent of bankruptcy and Ontario ombudsman.    


  • Initial Complaint

    Date:21/11/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    They kept charging my credit card $28 for 4 months after I provided my cc information for a"free" credit report. They continued to charge after repeated calls to cancel.

    Business Response

    Date: 04/12/2024

    Hi,

    Please note that we will communicate with the consumer.

    Thank you.

  • Initial Complaint

    Date:19/11/2024

    Type:Service or Repair Issues
    Status:
    Unresolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Since September 17 2024 i have been constantly getting alerts about new inquiries and accounts being added to my credit report which i didn't authorized. I have opened disputes with Transunion multiple times, once they correct the issue i see new accounts or hard inquiry on my credit report again.
    I was suspecting that i was a victim of identity fraud. After multiple calls with Transunion contact center on Nov 18 while my credit report is bombarded with new addresses and new accounts and inquiries, someone at their contact center said that its Mixed File case where someone else with similar name & DoB has their credit file mixed with mine.
    Now after two months of stress and multiple visits to police station to report Identity theft and calls to different banks and opened disputes multiple times, submitted proof of my identity to Transunion. I do not know what to do to correct these issues on my credit file.
    Now new accounts being added to my credit file and i can not open dispute online and when i call Transunion they are no help, they just tell me to wait 30 days, Its already 2 months since this ordeal started while my credit score is ruined and i am sitting hopeless.

    Business Response

    Date: 04/12/2024

    Hi,

    Please note that we will communicate the consumer.

    Thank you.

    Customer Answer

    Date: 07/12/2024

    I am rejecting this response because:

    Dec 6 2024, I noticed on my report that Transunion has made correction to my credit report. However, you have removed one of my credit card account from my report, i have attached the statement of this credit Card account: ********** ***** ****

    Please note that this account belongs to me, should be added back to my account. 




  • Initial Complaint

    Date:15/10/2024

    Type:Service or Repair Issues
    Status:
    Unresolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report ACCOUNT NAME: ** ****** **************** **** **** ***** & ** **** ***************** ***** before same issue i had with ****** and i file compliant **** ******************** ********* *** ********.Its resolved ****** told its an issue with Transunion and I post written letter and screenshots to Transunion and and for letter that i posted to Transunion did not get any response from Transunion and Every two week Transunion open new accounts and hard check inquiries which is affecting my credit score. and recently i tried to file complaints online on TransUnion they deduct money from my account *********** ******** ***** Deduction Transunion) and there is not way i can stop deduction because i can't remove my card once its saved.
    Could Transunion send me my credit report which should be free but i paid the money still can't get the report so in need a refund. and i don't need service from TransUNION please stop recurring payments and remove unauthorized inquiries and accounts from my credit report and Please stop putting more accounts on my name for which i am not liable
    * ** ********* ******** *** *** ******** ***** *********** **** ******** ***** ******* ********* ** *** ****** *************** ** ****** *** ********* *** ******** *** *** ********* *** *** *********** *** ******* *** ******* ** **********

    Business Response

    Date: 24/10/2024

    Hello,

    Please note that we will communicate with the consumer.

    Thank you.

    Customer Answer

    Date: 24/10/2024

    I am rejecting this response because i have not received any call from the client and i call them couple of days ago representative told that letter i posted received by transunion and once 30 days finished only then they will respond 


  • Initial Complaint

    Date:08/07/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    INACCURATE PERSONAL INFO DISPUTE PLEASE DELETE THEM THEY ARE ALL INCORECT

    Business Response

    Date: 23/07/2024

    Hello,

    Please note that we will communicate with the consumer.

    Thank you.

  • Initial Complaint

    Date:28/03/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am writing to bring to your attention on a matter of significant concern regarding the inaccurate information present on my TransUnion credit report, specifically regarding a collection account that has significantly impacted my credit score. Upon reviewing my credit report, I was shocked to discover a collection account listed under my name that is absolutely erroneous and equal to data breach. Also there are some inquiries that i did not concern to. Despite my diligent efforts to rectify the situation, the issue persists, and I am compelled to seek your assistance in resolving this matter promptly.

    Business Response

    Date: 17/04/2024

    Hello,

    Please note that we will communicate with the consumer.

    Thank you.

  • Initial Complaint

    Date:20/02/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Trans union credit bureau has somehow merged my profile with someone who i assume is of similar name. This other person opened a ****** **** account for a new cell phone number and somehow it is being reported under my profile and SIN at Transunion. The account is legitimate as I have spent numerous hours on the phone with ****** ****; however, the account is not mine, I did not open this account and should not be reporting under my profile. My primary address is now incorrect and the only way they will change this is for me to send via paper mail a photo copy of my drivers license and passport, 2 very sensitive documents, neither of which I will be sending them. (By sending this info thru mail will not make any changes to the ****** **** account, it will merely update my address to be proper) If Transunion would have verified some information with ****** **** (when i had Transunion launch an investigation as I thought initially it was fraud on my account) such as my DOB and SIN rather than simply asking ****** “Is this a legitimate account”. That was the extent of Transunions investigation, that one simple question to ****** **** and it was sent electronically according to the info ****** **** told me. My proper address is: *** ***** ***** ******* ***** **** ** *** ***
    My DOB is *** ***** and my last couple digits of my SIN are 2 *** none of which correlates to the account holder of this ****** **** account. The ****** account number in question is *** *** ***. What i want ultimately are two things, first and foremost for this to be removed from my credit report and to have my proper address updated without having to send in sensitive docs via mail.

    Business Response

    Date: 22/02/2024

    Hello,

    Please note that we will communicate with the consumer.

    Thank you.

  • Initial Complaint

    Date:29/01/2024

    Type:Service or Repair Issues
    Status:
    Unresolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am disputing a Hard inquiry on my Credit Report by the following creditor/institution: ******* ***. According to ******* *** emails dated April 14, 2023, and March 31, 2023, I was pre-approved for a ******* *** ****** **** ******** ********** with a credit limit of $5,000.00.

    I accepted this offer. I followed their instructions as to how to accept this pre-approval. They provided me with a Reservation Code and Access Code. Pre-approvals do not generate a hard inquiry. This should have been a Soft inquiry as I already have an existing product with them and also based on the fact that I was pre-approved and did not complete a full application.

    I reached out to ******* *** to correct this error. They have provided me with a letter dated July 18, 2023 confirming that they will remove this Hard Inquiry off of my profile/credit bureau. I called TransUnion several times now and they advised that I needed to deal with ******* *** directly and I have. I truly don’t understand why TransUnion is sending me in circles. ** *** ***** ** **** ************** ** ****** **** *********** ** ** ****** ******* ******* ********* **** **** ****** ***** ***** ** ***** *** **** ** *** ** ** ****** ****** ******* **** **** **** ***** *** *** *** ********* ** ******** ** ******* ********** *** **** 
    TransUnion will NOT remove this inquiry off my credit bureau and I would like for it to be removed. They have supporting documents from ******* *** to confirm their error. ********** ** **** *** ************

    Business Response

    Date: 01/02/2024

    Hello,

    Please note that we will communicate with the consumer.

    Thank you.

    Customer Answer

    Date: 06/02/2024



    Complaint: ********



    I am rejecting this response because I have made several phone calls to TransUnion where their agents have confirmed that the credit check dated April 14, 2023 will be removed. Six months and more later, nothing has been removed. I have provided letters from TransUnion dated June 26, 2023 and September 28, 2023 where TransUnion states that they will correct this inaccurate credit check.

    I also have two letters from ******* ***. The first letter dated July 18, 2023 states that ******* *** will communicate with TransUnion to have this credit check dated April 14, 2023 removed. After months of following up with TransUnion with no removal of that credit check that ******* *** disputed on my behalf, ******* *** also sent me a letter dated September 28, 2023 that there is an error with my credit bureau report and that I need to deal with TransUnion directly.

    ********** **** *** **** ** **** *** ************** *** ** ******* ** ****** ** ****** *** ********* ****** ** ****** **** ****** ****** ******* *** ** ** ****** ******* Even ******* *** has WRITTEN documentation that they will send to TransUnion to REMOVE, but they will NOT do their JOB in removing it. TransUnion has sent me documents confirming that they will remove this credit check. ******* *** ** ***** **** ******** **** ********** ****** ******

    ********** ** ********* *** ******** **** ****** ***** **** ****** **** **** ********** ************** ** ***** ** ****** ********** *********** ********* **** ****** ** *** **** ** **** ***** *** *********


    Sincerely,



    ****** *****

  • Initial Complaint

    Date:08/01/2024

    Type:Service or Repair Issues
    Status:
    Unresolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    My credit score went from 866 - higher than 90% of customers with a TransUnion credit file (Excellent) to 617 - higher than 9% of customers with a TransUnion credit file (Poor) a drop of 249 points, in one month, even though I didn't open or close any accounts, didn't miss any payments, didn't increase or decrease my utilization, etc.

    NOTHING.

    There seems to be an error with a **** ******** account, best I can tell, but TransUnion won't give me any straight answers on the phone, and no one is willing to look at the 249 point drop and explain to me why it happened.

    That's because it's clearly a mistake.

    They need to figure out what happened, apologize, and fix their mistake.

    Business Response

    Date: 15/01/2024

    Hi,

    Please note that we will communicate with the consumer.

    Thank you

    Customer Answer

    Date: 17/01/2024

    Complaint: ********



    I am rejecting this response because:

    I will not close this case until I actually hear directly from them and their response addresses my concerns in an acceptable manner.


    Sincerely,

    **** ******

  • Initial Complaint

    Date:14/12/2023

    Type:Service or Repair Issues
    Status:
    Unresolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    A collection error is on my transunion report. It has negatively affected my credit score. ** * ****** ****** **** * ******** *** ****** ***** * ***** ****** **** *********** ******  
    I can't wait 30 days for them to possibly fix this, it needs to be fixed immediately as I could be at risk of losing my credit cards or affecting my amount of credit.

    This has to be fixed immediately as it's an error. The collection agency does not have any record of my name etc so please fix this problem before 30 days.

    Business Response

    Date: 19/12/2023

    Hello,

    Please note that we will communicate with the consumer.

    Thank you.

    Customer Answer

    Date: 30/12/2023



    Complaint: ********



    I am rejecting this response because:

     

    I have still yet to hear from you. 



    Sincerely,



    ***** ********

TransUnion Of Canada Inc is NOT a BBB Accredited Business.

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