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Business Profile

Credit Reporting Agencies

TransUnion LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Reporting Agencies.

Important information

  • Customer Complaint:
    Effective March 1st, 2009, the BBB of Chicago and Northern Illinois will be handling and processing complaints for TransUnion, LLC. Any claims prior to that date that have been handled by the BBB of Metro Washington D.C. and Eastern Pennsylvania will be processed at that BBB. All future complaints will be transferred to the BBB of Chicago for processing.


Complaints

This profile includes complaints for TransUnion LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

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TransUnion LLC has 11 locations, listed below.

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    Customer Complaints Summary

    • 19,937 total complaints in the last 3 years.
    • 6,945 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/27/2022

      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.
      This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100% accurate accounts on my credit report. Unauthorized used of my credit report.I demand deletion of the items and information plus I demand monetary compensation!!!

      Business Response

      Date: 08/01/2022

      Please see attached

    • Initial Complaint

      Date:07/27/2022

      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.
      This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100% accurate accounts on my credit report. Unauthorized used of my credit report.I demand deletion of the items and information plus I demand monetary compensation!!!

      Business Response

      Date: 08/01/2022

      ATTACHED

    • Initial Complaint

      Date:07/27/2022

      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.
      I never gave Equifax, TransUnion or Experian any written consent to report anything on my consumer report, no consent is identity theft. I reported the theft of my identity to the ************************ and I also have enclosed copies of the ************************s Identity Theft Affidavit. Concerning the accounts listed below as a consumer, I am demanding their deletion as soon as possible.

      Business Response

      Date: 08/02/2022

      please see attachment

    • Initial Complaint

      Date:07/27/2022

      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.
      This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100% accurate accounts on my credit report. Unauthorized used of my credit report.I demand deletion of the items and information plus I demand monetary compensation!!!

      Business Response

      Date: 08/03/2022

      Please see attached.

    • Initial Complaint

      Date:07/27/2022

      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.
      hello i have sent previous dispute letters to your company which you have received on 06/24/2022 disputing the accuracy and completeness on both **** of America accounts. the accounts were reporting inaccurate and have a not complete account number. you have failed to update these accounts and also have failed to provide notice of dispute. this account must be removed off my credit report under 15 USC 1681s-2(3) duty to provide notice of dispute. it has been over 30 days and you have not reported consumer dispute's this account on the comments section or anywhere on my report for both **** of America accounts. I will attach proof of delivery, proof that you have not displayed account in dispute and proof i have disputed these accounts.

      Business Response

      Date: 07/29/2022

      ATTACHED

      Customer Answer

      Date: 07/29/2022

       
      Complaint: 17622454

      I am rejecting this response because:
      please provide proof of investigation and investigation results through bbb portal as you have sent me Mutiple automated responses and i want to know a real investigation is going on as i have submitted more than enough proof of default on behalf of both your company and the creditors and these accounts must be removed asap.
      Sincerely,

      Elorm Wuaku

      Business Response

      Date: 08/04/2022

      ATTACHED

      Customer Answer

      Date: 08/08/2022

       
      Complaint: 17622454

      I am rejecting this response because:
      you have completely ignored my entire letter as this was not a dispute this was a demand. as you are reporting the following accounts without providing notice of dispute on my consumer report i have also attached a screen shot as proof that there has been no notice of dispute on any of these accounts which should be deleted off my report under 15 USC 1681s-2(3) and 1681c(f). failure to do so than you are stating your company is above federal law as this communication is through government watched portal which i will have as documentary evidence can be used against you. i demand you delete this account off my report as your company is in violation of law. this is not a dispute this is a demand by law.  
      Sincerely,

      Elorm Wuaku

    • Initial Complaint

      Date:07/27/2022

      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.
      There are incorrect late payments being reported on April 2019

      Business Response

      Date: 08/02/2022

      Please see attached.

      Customer Answer

      Date: 08/04/2022

       
      Complaint: 17622042

      I am rejecting this response because: There are multiple late payments being reported against me and I want them to be throughly investigated. These items reported are inaccurate so please provide the proof you are conducting a detailed investigation and proof or remove the late payments and closed accounts.

      Sincerely,

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

      Business Response

      Date: 08/15/2022

      Please see attached.

    • Initial Complaint

      Date:07/27/2022

      Type:Customer Service 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.
      The listed ACCOUNTS and INQUIRIES are reporting in my credit report inaccurately. These accounts history has many incorrect information and the bureaus have no right to report these kinds of items in my credit report. If they do not remove these items from my report, I will seek legal action against them.As required by section FCRA 605B (15 U.S.C. 1681c-2) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT.Please investigate these matters and remove the disputed items as soon as possible.ACCOUNTS I WANT TO REMOVE:1.AMER HER FCU Account Number: ***************/TD Account Number: *****************/CONT Account Number: ***************** INDIGO Account Number: ****************** PREMIER Account Number: *****************/*** Account Number: ************************* FARGO Account Number: *********************** Account Number: ****************** FCU Account Number: **********/*** Account Number: *******************/LNDINGCL Account Number: ******************** Account Number: *****************/CBNA Account Number: *********************/AMAZON Account Number: ************************** FARGO Account Number: ************************ Account Number: ************ Account Number: ************************* RC Account Number: ******************** FUNDING Account Number: *********************** FUND Account Number: **************** FUND Account Number: **************** CRED Account Number: **************** FUND Account Number: **************** CRED Account Number: **************** CRED Account Number: **************** FUND Account Number: **************** FUND Account Number: **************** CRED Account Number: **************** FUND Account Number: **************** PORT Account Number:

      Business Response

      Date: 07/29/2022

      Please see attached.

    • Initial Complaint

      Date:07/27/2022

      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.
      TransUnion is a business who is using and holding my personal information and directly affecting my ability to access credit / money despite repeat attempts from me to correct information on my account. Their customer service reps (all so far have been in Asia) are not trained, can barely speak or understand English and have hung the phone up 5 times when I have been trying to report errors. At this stage I am merely seeking my credit report to be corrected, however if it is not I will seek financial compensation and seek legal advice from a finance lawyer.

      Business Response

      Date: 08/01/2022

      Please see attachment

    • Initial Complaint

      Date:07/27/2022

      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.
      The listed ACCOUNTS and INQUIRIES are reporting in my credit report inaccurately. These accounts history has many incorrect information and the bureaus have no right to report these kinds of items in my credit report. If they do not remove these items from my report, I will seek legal action against them.As required by section FCRA 605B (15 U.S.C. 1681c-2) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT.Please investigate these matters and remove the disputed items as soon as possible.ACCOUNTS I WANT TO REMOVE:1.AMER HER FCU Account Number: ************* Account Number: *************** Account Number: ******************* Account Number: ********************/TOYS Account Number: ******************* Account Number: *****************/*** Account Number: ************************* FARGO Account Number: *********************** Account Number: ******************* FCU Account Number: **************/TD Account Number: ************************ Account Number: ********************** ONE Account Number: ********************** Account Number: ***************** CLUB Account Number: *********** EFS Account Number: ********************* FUNDING Account Number: ******************** FUNDING Account Number: ************************* RC Account Number: *********************** CRED Account Number: ****************** RC Account Number: ************************* RC Account Number: *********************** PORT Account Number: **** INQUIRIES I WANT TO *********** Bank Date of inquiry: 06/23/2021 2.MORTGAGE EQU Date of inquiry: 03/07/2022 3.ONEMAIN Date of inquiry: 02/05/2021 4.BK OF AMER Date of inquiry: 06/13/2022 5.********* Date of inquiry: 12/03/2021 6.CREDCO Date of inquiry: 01/21/20

      Business Response

      Date: 07/29/2022

      ATTACHED

    • Initial Complaint

      Date:07/27/2022

      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.
      Transunion is repeatedly furnishing accounts that are a direct result of identity theft. This inaccurate information has caused me great hardship and has tarnished my reputation and creditworthiness. This is currently a threat to my livelihood as I have not been able to obtain adequate housing or open any new lines of credit due to these items being reported on my consumer report and damaging my credit score significantly. Once the identity theft was discovered, per the instructions on identitytheft.gov, the identity theft report was updated with this information. Given there is only a certain amount of space available, the accounts were listed in the "personal statement" section of the identity theft report as advised. On June 27, 2022 the updated report was submitted to Equifax, Experian, and Transunion, along with a statement explaining that more accounts were discovered, and specifying those accounts and their account numbers that were shown on the credit report. Per the personal statement section in the attached identity theft report, ************* is included in the identity theft case and as a result of providing the proper documentation, it was deleted for identity theft purposes. Transunion, Equifax, and Experian have all confirmed as of June 29, 2022, that the identity theft report containing these accounts listed in the personal statement has been received along with my identification and social security card and the Discover account was deleted from all 3 credit reports as a result. Despite confirming they've received the identity theft report and acknowledging that the account is indeed involved in an active identity theft case, on July 23, 2022, Transunion reinstated this account to my credit report at the creditor's request due to their "investigation". No proper investigation took place, I was never contacted by Discover.

      Business Response

      Date: 08/02/2022

      Please see attached.

    TransUnion LLC is NOT a BBB Accredited Business.

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