Business Profile

Credit Reporting Agencies

TransUnion LLC

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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

Customer Complaints Summary

20,032 total complaints in the last 3 years.
7,147 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.

Initial Complaint
Date:08/01/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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:08/01/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 my consumer rights are being violated and In accordance with the Fair Credit Reporting Act everything on my credit report with 15 U.S.C **** section 602 A. States I have the right to privacy 15 U.S.C **** section 602 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions ( a signature isnt considered written instructions the law 15 U.S.C **** section 602 A Section 2 states written instructions. The credit bureaus (Experian, EQUIFAX, Transunion) Stated that the investigation was properly handled but, the following information isnt correct in accordance to my consumer rights such as; Open date isnt accurate Date last active isnt accurate Date last reported isnt accurate Also credit reporting company claimed to be such as BRIDGECREST and DriveTime This is grounds for removal because, they are in violation of my rights 15 U.S.C **** section ******************** section 602 A Section 2 In accordance with the Fair Credit Reporting Act Convergent account(s) ** BKPT ** ** JACKSONV bankruptcy chapter 7 - discharge BRIDGECREST ******** BRIDGECREST FORMERLY DRI MISSED PAYMENT BRIDGECREST REPO CBNA ************ ********* 94 All closed accounts 15 U.S. Code ****b - Permissible purposes of consumer reports (a)In general Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (1)In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section **** of title 31 or section **** of title 18. (2)In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code ****i - Procedure in case of disputed accuracy (2)Prompt notice of dispute to furnisher of information (A)In general Before the expiration of the 5-business-day period beginning on the date on which a consumer report
Business Response
Date: 08/04/2022
please see attachment
Initial Complaint
Date:08/01/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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.
To whom it may concern;Hi there I would like to ask for assistance regarding the erroneous accounts that are continuously reported on my credit report, which is killing my credit & my Professional image. this bureaus failed to send any proof of their claim because they have none since this account has never even existed. Therefore, my only wish is to have them permanently remove the inaccuracies that Ive disputed from my credit file immediately.
Business Response
Date: 08/03/2022
please see attachment
Initial Complaint
Date:08/01/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC **** .Santander Consumer USA Account #***************** 15 U.S.C **** Section A. States I have the right to privacy. 15 U.S.C **** Section 604 Section 2 states ;a Consumer reporting agency can not furnish a account without my written instructions. I am motivated to seek deletion/ removal of this account from my credit profile and also from the co-signer credit profile/report. Transunion sent a letter stating that they were unable to locate my credit profile but yet still information is being furnished under my name and ssn? Equifax responded to 2 different complaints with conflicting information first stating that the account was paid with 0 late payments then responding again stating that adverse accounts stay on a credit profile In the contract I have signed it doesn't say I give permission to have my credit report furnished and I did NOT write a letter stating I gave WRITTEN CONSENT. ALSO THERE IS NO WAY ! THE *** SHOULD HAVE DIFFERENT INFORMATION AND THE INFORMATION IS COMING FROM THE SAME SOURCE I HAVE YET TO RECEIVE ANYTHING ON HOW EXQIFAX HAS THOROUGHLY COMPLETED THE INVESTIGATION
Business Response
Date: 08/05/2022
Please see attached.
Customer Answer
Date: 08/05/2022

Complaint: 17642080

I am rejecting this response because: the investigation was not thoroughly investigated.

Sincerely,

Shamarlla ***
Business Response
Date: 08/15/2022
Please see attached.
Customer Answer
Date: 08/15/2022

Complaint: 17642080

I am rejecting this response because: The issue wasn't resolved. I've made several complaints showing each CRA errors and provided proof of the law that was broken and the resolution and nothing was done.

Sincerely,

Shamarlla ***
Initial Complaint
Date:08/01/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 have Inaccurate items on my credit report that I disputed and I never got the results within 30 days.
Business Response
Date: 08/03/2022
please see attached
Initial Complaint
Date:08/01/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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, *****************************, consumer, and natural person, am aware of all rights that I have and are protected by Congress under the Fair Credit Reporting Act (****). TransUnion, ************* have continuously violated my rights. They have violated my right to Privacy, they did not respond to my dispute within 5 days and did not conduct a proper investigation under the ***** If these accounts are not removed, I will be suing for each violation per account at ***** each. Remove these accounts immediately. Transunion has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the **** requires that it is done so in a manner that Is fair and equitable. The debtors below, illegally obtained personal and private information and sold it to other reporting agencies, including Experian, Equifax, and Transunion. I did not ***** these accounts the permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders.As the consumer and natural person, I am invoking specified remedies and make the following demands: -Cease and desist reporting of the account name filings to all consumer reporting agencies. -Remove reporting of the account name filings from all consumer reporting agencies. Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the ***** Remove these accounts immediately!CB INDIGO **************** ALLY F***L ************ UPGRADE *** ********* ONEMAIN **************** SPRINGOAKCAP ********* PORTFOLIO RC ****************
Business Response
Date: 08/03/2022
please see attached
Customer Answer
Date: 08/05/2022

Complaint: 17640439

I am rejecting this response because: you the credit bureaus have violated my rights because you allowed inaccurate information on my report and did not do a proper investigation according to the **** you did not notify me my mail of my initial dispute within 5 business days and I did not give written consent for any of those accounts to be on my credit report. All these are violations to my consumer rights and are grounds for immediate removal.

Sincerely,

*****************************
Business Response
Date: 08/11/2022
please see attached
Initial Complaint
Date:08/01/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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:08/01/2022
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
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 contacted (Exeter finance *********** auto, Exeter finance *********** auto SYNCB TJX/CO DUAL ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. There was not any permissible purpose Didnt give any written authorization There is not any proof that I personally initiated these inquires
Business Response
Date: 08/04/2022
please see attachment
Initial Complaint
Date:08/01/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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.
On June 22, 2022 I sent out a certified mail # **** **** **** **** **** 15 to Transunion to investigate accounts in my credit report that i did not recognize. On June 29, 2022 Transunion received my letter and responded back on July 02, 2022 investigation number: 331874464-047 stating that my accounts have been verified. How did they verify my accounts when nothing in my report has been updated! Transunion said to have verified 2 accounts LVNV FUNDING ************ and LVNV FUNDING ************ when I requested for all my accounts to be investigated or deleted if not mine. No account was deleted and Transunion stated that they updated the information on my account. I have attached both my credit reports from June 22, 2022 when i initially sent out the request for investigation and on July 25,2022 when I saw that Transunion did not update my information or delete the inaccurate information. Transunion has violated my rights per Fair Credit Reporting Act (FCRA) I am supposed to be protected from violations like this. By looking at my reports you can see the inaccurate dates opened, inaccurate amounts owed and inaccurate dates last active, these are clear violations of my rights! Transunion failed to do a proper investigation 15 USC ****i (5) (A) (i) states If, after any re-investigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall (i) promptly delete that item of information, as appropriate, based on the results of the re-investigation. Transunion has violated 15 USC **** (a) (4) 15 USC ****a. (a) 15 USC ****b. (a) (2) 15 USC ****i. (5) (A) (i) Account: WEBBNK/FHUT Account number: ************ Account: LVNV FUNDING Account number: ************ Account: LVN FUNDING Account number: ************ Account: *********** Account number: ********* Account number: ***** Account: IQ DATA INT Account number: ************.
Business Response
Date: 08/05/2022
Please see attached.
Customer Answer
Date: 08/05/2022

Complaint: 17649028

I am rejecting this response because:
Nothing has been resolved. Business requested time to do an investigation. I will accept response from business once they correct my issues.
Sincerely,

***********************
Business Response
Date: 08/16/2022
Please see attached.
Customer Answer
Date: 08/17/2022

Complaint: 17649028

I am rejecting this response because: They fixed nothing, this is the same email I received from before with no outcome. Transunion keeps closing my case without resolution or any details on what was done. Investigations already happened and they failed to do a proper one but yet my file is closed and they are investigating it? I do not agree with their practices and are still in clear violation of my consumer rights.

Sincerely,

***********************
Initial Complaint
Date:08/01/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 April 17, 2022 I have tried to get the credit bureaus Experian, TransUnion, and Equifax to stop violating my rights by reporting INACCURATE information. The credit bureaus keep sending me updated credit reports that shows they didn't do any "real" investigation nor care that they are hurting hard working consumers who pay their bills on time. It is UNFAIR that every 30 days since April, I have to take time to send letters, ID and etc to ask for them to delete ******** account # ******** from my credit report. I have sent bank statements (PROOF) that I was never late. I understand that the credit bureaus want to make money $$$$ off of me by reporting false credit information about me. So I will contact every agency I know and an FCRA attorney if needed because this is my 3rd attempt to have this account deleted. I received my investigation back and updated credit reports. You stated that you completed a fair investigation, and this account is now 100% accurate. I need to know how did you investigate this account ? I sent you my bank statements to show that I was NEVER LATE, but I didnt see any proof that I was late from ********. In addition, I pulled my most recent report from Experian, TransUnion, and Equifax on July 30, 2022, and still see 7 discrepancies that proves that you didnt do a proper investigation according to the Fair Credit Act 15 U.S. Code ****a which states how you are supposed to investigate my consumer report. Did you ask ******** #******** to supply their accounting records or you just took their word ? Finally, how is it possible that everything is 100% accurate for ******** account # ******** when my credit reports show the following inaccuracies: 1. Date Opened 2. # Of Months (terms) 3. Last Reported 4. Date Last Active 5. All credit bureaus are reporting something different for months Oct 2021, Feb 2022, March 2022, April 2022, and July 2022.
Business Response
Date: 08/05/2022
Please see attached.

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TransUnion LLC is NOT a BBB Accredited Business.