ComplaintsforTrans Union LLC
Credit Reporting Agencies
Additional Complaint 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.
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
10/07/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
The following inquiries are fraudulent and were never authorized by me. I have no recollection of these items and no idea why or how they are reporting. Block and remove them from my credit report immediately. They are as follows: DAKOTA FIN 10/01/24 // COAF 09/21/24 // ******* 07/18/24 // ******* TRUCK 07/11/24 // TESLA FINANCE 07/07/24 // COAF 07/03/24 // COAF 07/02/24 // COAF 10/16/23 // SYNCB/JCP 10/06/23 // SYNCB/JCP 06/16/23 // *********** 12/20/22Business response
10/09/2024
Please see attaches.Customer response
10/10/2024
Excellent, thank you for addressing my concern!Initial Complaint
10/04/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Hi there. I noticed a MASS amount of fraudulent hard inquiries on my credit profile with TransUnion. I am making sure these are permanently deleted, and I have sent you the required *** report that includes them all. Here are the fraudulent hard inquiries... CB INDIGO 9/28/24, JPMCB CARD 5/20/24, KCB CREDIT L 4/19/24, SYNCB 3/1/24, TAB BANK/NC 12/22/23, SYNCB 8/15/23, SYNCB/PPMC 8/2/23, UPSTART NETW 6/30/23, LIGHTSTREAM 6/23/23, JPMCB CARD 5/18/23, ************** 4/28/23, *** FIN SVC 1/5/23, ****** MOTOR 12/23/22, JPMCB CARD 11/20/22, DISCOVER BAN 11/3/22.Business response
10/08/2024
AttachedCustomer response
10/08/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
**** *********Initial Complaint
10/04/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Fraudulent hard inquiries spotted on my credit report with TransUnion. Please make sure they are permanently deleted. I also included my ID, SSN card, and proof of residence. These are all fraudulent: ******** IND 7/18/24, ALLY FINANCIAL 7/18/24, ALLY FINANCIAL 7/18/24, ALLIANT CU 2/26/24, US BANK 2/26/24, JPMCB AUTO 12/26/23.Business response
10/07/2024
PLEASE SEE ATTACHEDCustomer response
10/07/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***** *********Initial Complaint
10/04/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
The following inquiry is fraudulent and was never authorized by me. I have no recollection of this item and no idea why or how it got on my credit report. Remove it from my report. SYNCB 09/14/24Business response
10/08/2024
Please see attached.Customer response
10/09/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******* PageInitial Complaint
10/04/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
There are many fraudulent hard inquiries on my credit report. Please make sure these are permanently deleted. I have attached a report from the ************************ (# *********), as well as my ID, SSN card, and proof of residence. Here are the fraudulent hard inquiries... COVIUS MORTG 9/9/24, FACTUAL DATA 6/3/24, SERVICE FIRS 6/3/24, SYNCB 5/29/24, ONEMAIN 5/18/24, BK OF AMER 4/23/24, DISCOVER FIN 12/5/23, SYNCB/LOWES 12/5/23, CIC MORTGAGE 2/21/23, BK OF AMER 12/19/22, BK OF AMER 11/3/22, CREDCO 10/5/22.Business response
10/07/2024
attachmentCustomer response
10/07/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******* ********Initial Complaint
10/04/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave You or Aidvantage written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Transunion has caused severe stress and anxiety due to the abusive and unfair ************* and Aidvantage should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers. This account is listed with late payments and that is incorrect. The following account was NEVER late and should be listed as PAYS or PAID AS AGREED. Account Name: Aidvantage - February 2019, September 2019, October 2019, November 2019,December 2019 is when this information was published. Account Number: ********** - 1 I was never late for the account please update the account as Paid/Current as I will also submit a claim to the ombudsman office. By the provisions of the fair Credit reporting Act, I demand these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them.Please remove any information that the creditor cannot verify. I understand that under 15 U.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes.Business response
10/07/2024
Please see attachedCustomer response
10/07/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
****** *****Initial Complaint
10/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
According to FCRA 15 U.S. Code 1681n(b)(B), anyone who obtains a consumer report under false claims or without a legalized purpose is liable for the actual damages suffered by the consumer or $1,000, whichever is greater. Punitive damages may also be awarded at the courts discretion. I did not authorize any of these accounts. If you believe otherwise, please provide copies of my written consent.I also did not authorize the sharing of my non-public information. The reporting of this information is neither fair nor equitable to me as a consumer. According to 15 U.S.C. 1681, Section 602(a), I have the right to privacy. Section 604(a)(2) states that a consumer reporting agency cannot provide an account without my written instructions.15 U.S.C. 1681c(a)(5) specifies that no consumer reporting agency may include adverse information in a report, except for criminal convictions, if it is older than seven years.15 U.S.C. 1681s-2(a)(1), it is prohibited for anyone to provide information about a consumer to a reporting agency if they know or have reasonable cause to believe the information is ************* addition, the reporting does not comply with Metro 2 credit reporting standards. I have evidence to support my case!Business response
10/04/2024
PLEASE SEE ATTACHEDInitial Complaint
10/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
TRANSUNION CONTINUE TO VIOLATE "FCRA' WITH REPORTING CHARGE OFF ACCOUNT $3,919.00, OUTDATED OVER 7YRS SINCE APRIL 5, 2018, ID FRAUD ACCOUNT NOT MINES, NEVER DONE BUSINESS WITH "******* BANK", ACC# ***********XXX, TRANSUNION FILE# ********* (9/7/2024)Initial Complaint
10/02/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
Due to the latest large data breach, where a huge number of SSAN number were exposed, I have been trying to place a freeze on my social security number. While Equifax and Experian made the process of placing a credit freeze simple, easy and quick the same can't be said of TransUnion. In fact, due to their negligence I have filed 2 complaints with ****, the latest one was today (10/1/24). Unfortunately, they haven't yielded the success I was hoping ****** is critical that I have the ability to place a freeze on my credit to protect myself from fraud. As I have previously mentioned Equifax and Experian made the process seamless, but TransUnion is making the process near impossible.Examples of TransUnion negligence are as follows. I called their 800 number and waited on hold for over 45 minutes. A reading kept advising that I could hold my place in line and I would receive a call back by providing a call back number, which I did. I never received a call back. Another 2 times I tried using their online chat and that did not yield any positive results. The two individuals I "chatted" with were beyond useless.Thank you for your time and attention. Any and all help will be greatly appreciated!Business response
10/07/2024
AttachedCustomer response
10/08/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.However, it NEVER should have gotten to this level! I still firmly believe that TransUnion is not an easy company to work with or very trustworthy.
Sincerely,
******* **********Initial Complaint
10/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This credit reporting agency refused to remove the fraud accounts on my report despite me calling in and providing information that it was fraudulent. I also provided them with the *** report number CFPB report number and information about the police report. Please remove all fraud accounts permanently and payment of $5,000.Business response
10/07/2024
AttachedCustomer response
10/08/2024
Complaint: 22371404
I am rejecting this response because I would like to continue handle the dispute here within the BBB portal just incase we have to arbitrate.
Sincerely,
****** *****
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Customer Complaints Summary
17,134 total complaints in the last 3 years.
5,454 complaints closed in the last 12 months.