ComplaintsforTransUnion Of Canada Inc
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Complaint Details
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Initial Complaint
08/07/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
INACCURATE PERSONAL INFO DISPUTE PLEASE DELETE THEM THEY ARE ALL INCORECTBusiness response
23/07/2024
Hello,
Please note that we will communicate with the consumer.
Thank you.
Initial Complaint
28/03/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
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
17/04/2024
Hello,
Please note that we will communicate with the consumer.
Thank you.
Initial Complaint
20/02/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
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
22/02/2024
Hello,
Please note that we will communicate with the consumer.
Thank you.
Initial Complaint
29/01/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Unresolved
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
01/02/2024
Hello,
Please note that we will communicate with the consumer.
Thank you.
Customer response
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
08/01/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Unresolved
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
15/01/2024
Hi,
Please note that we will communicate with the consumer.
Thank you
Customer response
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
14/12/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Unresolved
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
19/12/2023
Hello,
Please note that we will communicate with the consumer.
Thank you.
Customer response
30/12/2023
Complaint: ********
I am rejecting this response because:I have still yet to hear from you.
Sincerely,
***** ********Initial Complaint
15/09/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Unresolved
February 18th 2023, i vacated a appartment for reasons of lack of maintenance and cleanliness. Landlord refused to sublet the place and the same price and I left with notice. Landlord sent to collections and I removed the item off my ******* credit report but Transunion refuses to help me. I contacted ministry of consumer protection and contacted ***, and local police in the area but they all seem not to help. I need help *** ***** * **** ******** * ****** ****** ********** *** ********** I need this collections account removed off my file as it’s not correct and it is not valid, I did not stay at this appaetment for months March and April and his eviction application is all * ***.Business response
21/09/2023
Hello,
Please note that we will communicate directly with the consumer.
Thank you.
Customer response
21/09/2023
Illegal and fraudulent collection account Original report date: JULY 7 2023 Suite excel collections account number ******** This account does not belong to me as there is no real proof of debt and no real signature of this account to me. This item is deemed to be fraudulent and has been notified to me by creditors and local law enforcement have been envoleved. I am requesting an investigation to the legitametlhy of this account and for the immediate removal of this account. I have sent over 4 letters and multiple online disputes aswell as phone calls to remove this but they refuse to help and cause illegal action against me.Initial Complaint
11/09/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I filed a dispute with Transunion regarding the unauthorized credit inquiry **** ******** did on my credit on May 31, 2023. ******* ******* ******* *** ********** ******* My credit score has also dropped 5 points from 626 to 621 even though I pay all my bills on time. * **** ******** **** ****** ** ********** ******* **** **** ** ***Business response
19/09/2023
Hello,
Please note that we will communicate directly with the consumer.
Thank you
Initial Complaint
07/09/2023
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I’m disputing all inquiries on my credit report they need to be removed also why is closed accounts and credit utilization affecting my name they need to be removed alsoBusiness response
11/09/2023
Hello,
Please note that we will communicate directly to the consumer.
Thank you
Initial Complaint
06/09/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Unresolved
I’ve been trying for months to get logged into my account and clear a fraud flag that does not allow me to get a new credit card. But no matter how hard I try, I get stymied by endless hold, or them telling me their system is down and to try again later. I have no choice but to try to get the BBB to help. It is unreal how any business could act this way. What I need: 1. To be able to log into my account and clear the fraud alter flag so that I can take out new credit in my name. That is all I need. They claim this verification cannot be done online and that I have to call. But every time I call I get endless hold or “our systems are down and call back later”. PLEASE HELP!Business response
08/09/2023
Hello,
Please note that we will reach out to the consumer directly.
Thank you.
Customer response
18/09/2023
Complaint: ********
I am rejecting this response because:This is response is a non-response. They're basically saying they don't care about the complaint through the BBB and telling us to go away. They say that they'll communicate directly with me? Really? How? I guess I'll have to take this up with my "provincial Ministry for Consumer Services"; whatever that is.
Sincerely,
*** ******
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Contact Information
Customer Complaints Summary
170 total complaints in the last 3 years.
80 complaints closed in the last 12 months.