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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

Find a Location

TransUnion LLC has 11 locations, listed below.

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    Customer Complaints Summary

    • 20,013 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/29/2022

      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.
      Every time I log in to my account I'm given alarms and errors stating that I cannot access my info or they are having technical difficulties. This has happened numerous times and over the past few months, I have not been able to access anything. I know Transunion has been known to make it difficult for consumers to function with their site or with the "company" in general, but they have a responsibility to give me my information or at least if there's an issue give me a chance to rectify it instead of blowing me off.

      Business Response

      Date: 08/05/2022

      Please see attached.

    • Initial Complaint

      Date:07/29/2022

      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.
      I check my credit score daily and have actively for about 6 months now. I have been in the process of learning and also building credit.I noticed last week that they dropped my score by 13 points because one of my credit cards was at 51% usage. Today, they did the same for a different card at 40% usage. By 6 points. When I went and checked out transition and the sites they are affiliated with, I couldnt help but notice that they all say you can raise your credit score by adding this card! Which Im sure trans Union somehow benefited from people believing that and opening new credit accounts with very little information. I have been monitoring my credit scores from all 3 reporting bureaus and trans union is the only one doing this. I would like them stopped quite frankly and I feel that this matter should be looked into. Something doesnt add up for me about this.Thank you for taking the time to read this.

      Business Response

      Date: 08/02/2022

      please see attached

    • Initial Complaint

      Date:07/29/2022

      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.
      Dear TRANSUNION, EQUIFAX, and EXPERIAN I, consumer, and a natural person am aware of all rights that I have and are protected by Congress under the Fair Credit Reporting Act (FCRA). The account list below violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681.This is the final step I am taking BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the ***** ONLY CORRECT INFORMATION WILL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on my TRANSUNION, EQUIFAX, and EXPERIAN credit report isn't accurate! I've spoken to my lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, EQUIFAX, and EXPERIAN $1,000 PER VIOLATION (and there are a lot of violations). I DEMAND YOU, TRANSUNION, EQUIFAX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INACCURATE ACCOUNTS FROM THE CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD OR DISPUTE COMMENTS OR REMARKS LEFT ON THE CREDIT REPORT WITHIN 24 HOURS!!!IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER AND I WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN:POTENTIAL LAWSUITS LIST: EXPERIAN, EQUIFAX, and TRANSUNION **** - ****************************************************************** FTC - ************************************************************** TO MAKE THE DELETION PROCESS EASIER FOR YOU, I'VE ATTACHED A PICTURE LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP!!! THE INACCURATE ACCOUNTS LISTED ARE VIOLATIONS OF THE ***** AND IF NOT REMOVED WITHIN 24 HOURS OF RECEIVING THIS NOTICE, MY LAWYER AND I WILL FILE LEGAL ACTION AGAINST YOU!!! MOVE THIS INACCURATE FRAUDULENT ******** FROM MY CREDIT REPORT NOW, OR GET YOUR ***** SUED FOR $1,000 PER VIOLATION. I TRIED TO BE NICE, BUT NOT ANYMORE I WANT THE ACCOUNTS GONE!

      Business Response

      Date: 08/02/2022

      ATTACHED

    • Initial Complaint

      Date:07/28/2022

      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 have inaccurate items on my credit report that i disputed and i never got the results even after 30 days.

      Business Response

      Date: 08/03/2022

      ATTACHED

    • Initial Complaint

      Date:07/28/2022

      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, my name is *****************************, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal commissions identity theft affidavit. Please delete the items as soon as possible.Based on,15 us code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am victim of identity theft. Please remove these accounts soon as possible.Fraudulent Accounts:CREDIT ONE BANK NA Account number: **************** Date opened: Sep 02, 2020 Credit limit: $300 BANCO POPULAR Account number: *************** Date opened: Sep 30, 2019 Original loan amount: $34,900 Fraudulent Inquiries:VALLY NTL BK/INDRECT LEN **** 12, 2022 *********** CREDIT **** ************************************** **** 12, 2022 ?WELLSFARGODEALERSVCS ?Feb 10, 2022 ?MB FIN SVCS ?Oct 29, 2020 ?MB FIN SVCS ?Oct 26, 2020?OPEN ROAD VOLKSWAGEN**** 12, 2022 ?VW CREDIT INC**** ***************************** VOLKSW Inquiry date: Mar 12, 2022 ALLY FINANCIAL Inquiry date: Mar 12, 2022 ALLY FINANCIAL Inquiry date: Mar 12, 2022 ALLY FINANCIAL Inquiry date: Oct 26, 2020 ******** ***** FINANCE Inquiry date: Mar 14, 2022 ******** ***** FINANCE Inquiry date: Mar 12, 2022 COMENITY BANK/PTTRYBRN Inquiry date: Sep 20, 2020 CREDIT ONE BANK NA Inquiry date: Aug 27, 2020 KOHLS/****** Inquiry date: Dec 24, ******************************************** Inquiry date: Mar 12, 2022

      Business Response

      Date: 08/04/2022

      Please see attached.

    • Initial Complaint

      Date:07/28/2022

      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 is a formal complaint against TransUnion located in ******* **. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the ***** Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. As previously stated, this credit reporting agency is reporting erroneous, derogatory information about me to which is killing my credit & my Professional image. They've refused 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: 08/02/2022

      please see attached

    • Initial Complaint

      Date:07/28/2022

      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 is a formal complaint against TransUnion located in *******, **. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the ***** Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. As previously stated, this credit reporting agency is reporting erroneous, derogatory information about me to which is killing my credit & my Professional image. They've refused 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: 08/02/2022

      ATTACHED

    • Initial Complaint

      Date:07/28/2022

      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, my name is *****************************, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal commissions identity theft affidavit. Please delete the items as soon as possible.Based on, 15 us code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am victim of identity theft. Please remove these accounts soon as possible.Fraudulent ******************************* Account number: **************** Credit limit: $200 Highest balance: $646 Date opened: Oct 08, 2017 WEBBANK/FINGERHUT Account number: **************** Credit limit: $0 Highest balance: $1,052 Date opened: Jun 14, 2017 RESURGENT/LVNV FUNDING Account number: **************** Original balance: $1,052 Date opened: 12/31/2019 ** CHILD SUPPORT ENFC Account number: ********* Balance: $91,721 Date opened: 09/08/2006 ******* WIRELESS Account number: ************** Original balance: $2,932 Date opened: 10/24/2019 Fraudulent inquiries:ODE/*********** CHRYSLER ?Oct 12, 2021 ?AMERICREDIT ?Oct 12, 2021 ?ONEMAIN FINANCIAL ?Aug 05, 2021 ***** OF AMERICA Mar 16, 2021 ?SYNCB/******* ?Aug 18, 2020?CITIBANK NA/THD ?May 07, 2022 ?*********** CHRYSLER?Oct 12, 2021 ?ONEMAIN ?Aug 05, 2021 ?CITIZENS BANK?Jan 29, 2021 ?CITIZENS BANK?Dec 19, 2020?Fraudulent address:601 ****************************************************** ******************************************************* *************************************************

      Business Response

      Date: 08/03/2022

      please see attachment.

    • Initial Complaint

      Date:07/28/2022

      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 am a natural person and am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act (FCRA). On 4-1-2022 I sent a letter regarding inaccurate and unknown things on my consumer report about 1) *********** Account # ************, ** *********** Account # ************, 3) *********** Account # ************, ** *********** # ************, 5) *********** # ******XXXXXX, 6) *************** Account # ***********, ** First Premier Account # ************, 8) First Premier Account # ************, ** Nelnet LNS # *****, 10) Nelnet LNS # 3XXXX, 11) Nelnet LNS # 3XXXX, 12) Nelnet LNS # 3XXXX. I asked Transition to investigate and to send me verifiable proof of these accounts, any application or documents baring my signature and they have yet to provide me with this. To this day I have not received a response yet. I have tried to resolve this with this bureau multiple times but each time has been futile and I am being denied credit because of their violation, 15 USC **** section 623(9)(b)(2). In Section 611(a), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my consumer report. It has been over well 90 days and I was not notified within 5 business days that they received the notice so these accounts should be deleted promptly. 15 U.S. Code **** section 602 A, states that I have the right to privacy. 15 USC **** section 604 A section 2 states a consumer reporting agency cannot furnish an account without my written instructions. Delete these closed accounts immediately and update late payments to "paid as agreed", unless you want to be held $1000 per violation per account.

      Business Response

      Date: 08/02/2022

      ATTACHED

    • Initial Complaint

      Date:07/28/2022

      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: 08/04/2022

      Please see attached.

    TransUnion LLC is NOT a BBB Accredited Business.

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