ComplaintsforTransUnion Of Canada Inc

• Initial Complaint

  10/01/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This business is recommending on the government of Canada website for credit reporting... They signed me up for a monthly paid service without my consent. I filled out my information to get a free credit report and without going through any sort of purchase or conformation screen I ended up being charged around $20 a month on November 3 December 3 and January 3. I have no idea how this practice is legal let alone recommend by the government.

  Business response

  24/02/2022

  Business Response /* (1000, 7, 2022/02/10) */ This letter is in response to your complaint notice filed by *********** ******* Trans Union of Canada, Inc. ("TransUnion") is a consumer credit reporting agency whose core business is to collect and maintain information about the credit and financial history of consumers. TransUnion obtains this information from numerous credit grantors, financial institutions, finance companies, federal and provincial government offices, and public registries where permitted to do so by law. Such information is assembled into credit files and provided to customers of TransUnion upon a specific request being made, typically by a credit grantor. Consumer reporting laws and privacy legislation require that TransUnion provide consumers with access to this information free of charge. TransUnion must also have a process in place to allow a consumer to dispute the accuracy of any information maintained. Our Consumer Relations Centre fulfills this role and we communicate directly with the consumer. If a consumer is not satisfied with the service provided by TransUnion in meeting our legal obligations, the consumer may utilize the complaint process available to them through their provincial Ministry for Consumer Services. If TransUnion receives a dispute from the respective provincial Ministry, we will communicate directly with that office. The Better Business Bureau has no oversight over the free services that TransUnion is legally required to supply to the consumer nor does the Better Business Bureau have oversight over the paid services that TransUnion provides to consumers. Therefore, we will communicate directly with the consumer on the matter that you have brought to our attention. We thank you for forwarding this information to us and trust that you will consider the matter closed. Sincere regards, Investigation Department Trans Union of Canada, Inc.

• Initial Complaint

  10/01/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On October 31st, 2021, I signed up for an account with TransUnion Canada in order to check my credit score. When I signed up for this account I was aware of the $21.15 fee TransUnion would charge. However, what I was unaware of was that the $21.15 fee was not a one time payment. Rather, TransUnion, without due care to caution the customer, was signing me up for a monthly subscription to their service. As such, on December 1st, 2021, and January 1st, 2022, I was charged an additional $21.15. TransUnion did not make it clear at any point in the sign up process that they would silently move me to a subscription based service. TransUnion does in fact state on their signup page that there is a subscription based service, but this information is tucked away in the small print disguised as an ad. Additionally, in the receipt of the original purchase there is no information that states it is a reoccurring charge. I am filing this complaint with the BBB against TransUnion today because I believe TransUnion is purposely deceiving customers by not adequately disclosing the service TransUnion is subscribing them to. The resolution I seek the help of the BBB in achieving is a refund of $42.30, the sum of the December and January charges I was subscribed to without my informed consent. In addition, I would like TransUnion to make this information more apparent. In my brief research regarding these charges I have found numerous people complaining in online forums that they too were subscribed without their knowledge. *******************************************************************************************

• Initial Complaint

  20/12/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had default judgement against me from the small claims court. I had paid in full to the law firm that sued me afterwards. But transunion refuses to update the judgement as satisfied. I have sent the final release letter from the lenders lawyer to transunion also. The courts have stamped the release letter for meand I sent that also. That's all the courts can do for me. Transunion isn't correct on this. Please have them correct it. The lender has notified transunion of full payment and it is updated on the accounts section under ****** ***********. But they are refusing to mark it satisfied on the judgement. It is the same account. It is hindering my credit worthiness. Thanks

  Business response

  24/02/2022

  Business Response /* (1000, 8, 2022/02/07) */ Date 4th January 2022 Re: Case #TXXXXX Dear *****, This letter is in response to your complaint notice filed by ********** ***********. Trans Union of Canada, Inc. ("TransUnion") is a consumer credit reporting agency whose core business is to collect and maintain information about the credit and financial history of consumers. TransUnion obtains this information from numerous credit grantors, financial institutions, finance companies, federal and provincial government offices, and public registries where permitted to do so by law. Such information is assembled into credit files and provided to customers of TransUnion upon a specific request being made, typically by a credit grantor. Consumer reporting laws and privacy legislation require that TransUnion provide consumers with access to this information free of charge. TransUnion must also have a process in place to allow a consumer to dispute the accuracy of any information maintained. Our Consumer Relations Centre fulfills this role and we communicate directly with the consumer. If a consumer is not satisfied with the service provided by TransUnion in meeting our legal obligations, the consumer may utilize the complaint process available to them through their provincial Ministry for Consumer Services. If TransUnion receives a dispute from the respective provincial Ministry, we will communicate directly with that office. The Better Business Bureau has no oversight over the free services that TransUnion is legally required to supply to the consumer nor does the Better Business Bureau have oversight over the paid services that TransUnion provides to consumers. Therefore, we will communicate directly with the consumer on the matter that you have brought to our attention. We thank you for forwarding this information to us and trust that you will consider the matter closed. Sincere regards, Investigation Department Trans Union of Canada, Inc.

• Initial Complaint

  17/12/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hi there, I have been dealing with this issue for months and it's with my credit report from Transunion. I have disputed multiple accounts that are on my report countless times and they keep on insisting that the accounts are reporting correctly and I have contacted each and every collection account and also credit account that isn't mine and they have assured me that it is a mistake by the bureau and that it should be adjusted, after receipt of this information I placed a dispute online and then a month later I got a letter stating that the accounts are all reporting correctly. This was obviously not the case so I reached out to them again and they said that if I wanted to dispute anything on my credit report it would have to go through the Better Business Bureau. I also have an ******* credit file and they have removed every account that isn't mine all that is left there is the inquires that aren't mine, **************************************************************************************, the inconsistency of both reports are staggering as I do not have a single derogatory account on my ******* report and yet on my Transunion report there are at least 10 plus a ton of inquiries that were again not mine to begin with. Also I must add that I have never ever banked with *** **** of *** and I never had a car loan from ****** nor ***** before mine is with ******************** also my only phone line is **** and no one else, I also don't know what ************** even is or why it's on my report

  Business response

  24/02/2022

  Business Response /* (1000, 8, 2022/02/10) */ This letter is in response to your complaint notice filed by ********* ******* Trans Union of Canada, Inc. ("TransUnion") is a consumer credit reporting agency whose core business is to collect and maintain information about the credit and financial history of consumers. TransUnion obtains this information from numerous credit grantors, financial institutions, finance companies, federal and provincial government offices, and public registries where permitted to do so by law. Such information is assembled into credit files and provided to customers of TransUnion upon a specific request being made, typically by a credit grantor. Consumer reporting laws and privacy legislation require that TransUnion provide consumers with access to this information free of charge. TransUnion must also have a process in place to allow a consumer to dispute the accuracy of any information maintained. Our Consumer Relations Centre fulfills this role and we communicate directly with the consumer. If a consumer is not satisfied with the service provided by TransUnion in meeting our legal obligations, the consumer may utilize the complaint process available to them through their provincial Ministry for Consumer Services. If TransUnion receives a dispute from the respective provincial Ministry, we will communicate directly with that office. The Better Business Bureau has no oversight over the free services that TransUnion is legally required to supply to the consumer nor does the Better Business Bureau have oversight over the paid services that TransUnion provides to consumers. Therefore, we will communicate directly with the consumer on the matter that you have brought to our attention. We thank you for forwarding this information to us and trust that you will consider the matter closed. Sincere regards, Investigation Department Trans Union of Canada, Inc.

• Initial Complaint

  14/12/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I want ********************* removed from my credit report. I didn't authorize this and have spoken to both parties, each redirecting me to the other. Hope you can help. Thank you ***** ******

  Business response

  24/02/2022

  Business Response /* (1000, 8, 2022/02/10) */ This letter is in response to your complaint notice filed by ***** ****** ****** Trans Union of Canada, Inc. ("TransUnion") is a consumer credit reporting agency whose core business is to collect and maintain information about the credit and financial history of consumers. TransUnion obtains this information from numerous credit grantors, financial institutions, finance companies, federal and provincial government offices, and public registries where permitted to do so by law. Such information is assembled into credit files and provided to customers of TransUnion upon a specific request being made, typically by a credit grantor. Consumer reporting laws and privacy legislation require that TransUnion provide consumers with access to this information free of charge. TransUnion must also have a process in place to allow a consumer to dispute the accuracy of any information maintained. Our Consumer Relations Centre fulfills this role and we communicate directly with the consumer. If a consumer is not satisfied with the service provided by TransUnion in meeting our legal obligations, the consumer may utilize the complaint process available to them through their provincial Ministry for Consumer Services. If TransUnion receives a dispute from the respective provincial Ministry, we will communicate directly with that office. The Better Business Bureau has no oversight over the free services that TransUnion is legally required to supply to the consumer nor does the Better Business Bureau have oversight over the paid services that TransUnion provides to consumers. Therefore, we will communicate directly with the consumer on the matter that you have brought to our attention. We thank you for forwarding this information to us and trust that you will consider the matter closed. Sincere regards, Investigation Department Trans Union of Canada, Inc.

• Initial Complaint

  30/11/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Unresolved

  More info

  Transunion unwittingly signed me up for a monthly subscription that I did not want. 8 months later I realized the charges and got them reversed, but they made it seem as if it were a negotiation. I got them to reverse all charges and was told I would receive a confirmation of cancellation in an email. I never got this email. I checked my spam folder and checked with TransUnion multiple times to make sure they had the correct email. I requested a cancellation email be sent, but they said since it is system generated they cannot manually send another one. I don't trust that they will not begin charging me again in the future, and so need this confirmation of cancellation in writing. Cancellation confirmation must be available to me. If their system fails then they need to be able to manually override it.

  Business response

  10/02/2022

  Business Response /* (1000, 5, 2022/01/04) */ Date 17 December 2021 Re: Case #UXXXXXX Dear ****** This letter is in response to your complaint notice filed by **** ******* ********. Trans Union of Canada, Inc. ("TransUnion") is a consumer credit reporting agency whose core business is to collect and maintain information about the credit and financial history of consumers. TransUnion obtains this information from numerous credit grantors, financial institutions, finance companies, federal and provincial government offices, and public registries where permitted to do so by law. Such information is assembled into credit files and provided to customers of TransUnion upon a specific request being made, typically by a credit grantor. Consumer reporting laws and privacy legislation require that TransUnion provide consumers with access to this information free of charge. TransUnion must also have a process in place to allow a consumer to dispute the accuracy of any information maintained. Our Consumer Relations Centre fulfills this role and we communicate directly with the consumer. If a consumer is not satisfied with the service provided by TransUnion in meeting our legal obligations, the consumer may utilize the complaint process available to them through their provincial Ministry for Consumer Services. If TransUnion receives a dispute from the respective provincial Ministry, we will communicate directly with that office. The Better Business Bureau has no oversight over the free services that TransUnion is legally required to supply to the consumer nor does the Better Business Bureau have oversight over the paid services that TransUnion provides to consumers. Therefore, we will communicate directly with the consumer on the matter that you have brought to our attention. We thank you for forwarding this information to us and trust that you will consider the matter closed. Sincere regards, Investigation Department Trans Union of Canada, Inc. Consumer Response /* (3000, 7, 2022/01/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) This response did nothing to resolve my complaint. I have not been contacted directly by Trans Union since my initial complaint was made. I still don't have confirmation of cancellation and their practices still do not allow certainty that customers will receive verification of cancellation. Also, the practice of negotiating their ********** charges rather than just admitting their fault and dropping them entirely shines a light on their acknowledgement that their business model relies of ********** charges. Trans Union merely mitigate the losses they take in response to complaints on a case by case basis, rather than changing their entire policy by automatically opting people into the ongoing charges.

• Initial Complaint

  11/11/2021

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  I was trying to setup an account with TransUnion to monitor my credit rate on regular basis. I tried to resolve this from September 2020 and up till now, calling them more than 5 times, spoke with different agents, faxed explanation letter, and also sending mail twice, but the problems still couldn't resolved. As my name is similar to my sister's name, they had screwed the two profile at the starting, and afterward, my personal profile still couldn't set up properly and my credit rating had been dropped dramatically to 593 in Oct 2021, although I pay all my bills, credit card on time. This had been seriously affecting me as I was trying to grant a mortgage but with this low rating which purely errors from TransUnion, I can do nothing and couldn't make any correction.

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