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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

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TransUnion LLC has 11 locations, listed below.

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    Customer Complaints Summary

    • 20,221 total complaints in the last 3 years.
    • 7,496 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:12/20/2022

      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, I was reviewing my report and saw a number of accounts and enquiries that I don't remember making. With regard to these accounts and inquiries, I haven't even opened an account. When I contacted the credit bureaus and lenders to let them know that the accounts and inquiries were unauthorized, they disregarded me. This must be taken down right away because it is harming my credit. I have provided proof of my identification in the attachments. I do not currently want to add a fraud alert on my credit record. On my consumer report, there is information that was obtained through identity theft. I didn't give explicit written consent or instructions for the transactions in question to be included in my consumer report. I am asking for that the reporting of this information be blocked and deleted. I ask that this information's reporting be stopped and removed. I'm incredibly upset, and this has made me depressed a lot because it prevents me from getting my family a new automobile.

      Business Response

      Date: 12/22/2022

      please see attachment

      Customer Answer

      Date: 12/22/2022

       
      Complaint: 18615754

      I am rejecting this response because: I have mailed out letter after letter.  I notice several inaccuracies on my report that are continued to be disregarded by the credit bureaus. Please do not ignore this request. 

      15 U.S.C **** section 602 A. States I have the right to privacy. 


      15 U.S.C **** Section 604 A Section 2: It also states, that a consumer reporting agency cannot furnish an account without my written instructions. I have not provided any written consent for this alleged debt, and nor am I liable for this. 

      Delete this at once as it is causing severe depression . I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.


      Sincerely,

      ***********************

    • Initial Complaint

      Date:12/20/2022

      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.
      December 3, 2022, I sent a letter to the ** Bankruptcy Court of ******* asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100% Accurate. They never did a fair investigation according to the 15 USC ****. 15 USC **** section 603 (3)(E) States; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times:The credit bureaus violated my given rights under 15 USC ****. According to: 15 U.S.C **** section 602 A. States I have the right to privacy.According to: 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish account without my written instructions According to: 15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I am requesting my chapter 7 bankruptcy be removed from all 3 credit bureaus immediately. I also am requesting a copy of my credit report from each credit bureaus stating this information has been removed from my credit report.

      Business Response

      Date: 12/22/2022

      Please see attached.

    • Initial Complaint

      Date:12/20/2022

      Type:Product 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.
      On 10/1/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611(a), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the ************ breach and may have got into the hands of the wrong person.

      Business Response

      Date: 12/23/2022

      Please see attached.

    • Initial Complaint

      Date:12/20/2022

      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 never give permission to ONEMAIN OR ******************* to pull my credit.

    • Initial Complaint

      Date:12/20/2022

      Type:Product 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.
      On 10/1/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611(a), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the ************ breach and may have got into the hands of the wrong person.

      Business Response

      Date: 12/22/2022

      please see attachment

    • Initial Complaint

      Date:12/20/2022

      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 sent a letter to dispute fraudulent inquiries that had been placed on my credit file. I included in the dispute...my request to remove the inquiries, a copy of the police report, and a document showing the items I was disputing. The company ( Transunion), sent me a response back stating that the inquiries were valid and most importantly, the police report I sent...didn't "appear" as a valid document??!! This makes no sense what so ever. So, I just made up a police report and sent it to you? That document came directly from their website. The only "alterations" I did to this form, was I converted it into a pdf file. Just so there wasn't a problem printing it off if they needed to. The other thing that makes no sense, is the fact that they removed two of the items I was disputing...based off of this same information?. So, was the police report good enough for those two items only? Don't remove any based off of your investigation, or keep them all on.

      Business Response

      Date: 12/22/2022

      Please see attached.

      Customer Answer

      Date: 12/27/2022

       
      Complaint: 18614411

      I am rejecting this response because:
      A third party? No one is working on this, but myself. Why do I need to submit the SAME documemts again, that I submitted originally? Please remove these items, you're stalling. 
      Sincerely,

      *********************

    • Initial Complaint

      Date:12/19/2022

      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.
      Transunion refuses to remove a rental inquiry on my report. They claim that the information is correct and verified but refuses to give sources. The credit companys that the debt is associated with has no account associated with the debt (******************) therefore it shouldnt be reported on my account if there is no possible way to pay it. I have filed a complained with the ***** ************************ to further handle this situation as well. If this debt is valid Transunion needs to provide a collection agency to where I can call and find out if the debt is valid.

      Business Response

      Date: 12/22/2022

      please see attached 

    • Initial Complaint

      Date:12/19/2022

      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 on 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 ************************ and I have also enclosed copies of the ************************s Identity Theft Affidavit. Please delete the items as soon as possible.Based on,15 U.S. Code 1681c2 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.

      Business Response

      Date: 12/21/2022

      ATTACHED

    • Initial Complaint

      Date:12/19/2022

      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.
      Dear Better Business Bureau I am writing a complaint about Trans Union I have sent a letter on 09/11/22 stating I was having some accounts and information that did not belong to me which I consider inappropriate activity. I also sent them some documents to proof my request including the required FTC I have attempted to contact Trans Union so many times via phone and via mail so they can resolve this issue as soon as possible but they have not responded to ANY of my requests. Please let me know what is the best option to resolve this issue with them. I look forward to hearing from you soon.

      Business Response

      Date: 12/20/2022

      see attachment

    • Initial Complaint

      Date:12/19/2022

      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, 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 the charge. I ask that the items be deleted to correct my credit report. I reported my identity theft to the ************************ and have enclosed copies of the ************************s Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code ****c2 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. Under, 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: (2) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.It has been 30 days and you are in violation of this law as I am a victim of identity theft. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federally protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.FNBO ***** 290104XXXXXXXXX

      Business Response

      Date: 12/22/2022

      please see attachment

    TransUnion LLC is NOT a BBB Accredited Business.

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