TransUnion UK レビュー 521

I had some incorrect information on my report but their website was so poor I wasn't able to raise a dispute

Absolutely useless, I’ve tried & tried to get resolution to the flawed information they hold on me , I have submitted the information to prove their information was wrong , we are shown on their records of no fixed abode because we don’t appear on the electoral register ?? We have never missed a vote , lived in the same house for 38 years , we actually appear on their electoral register , the local authority have no idea why they should be treating us this way & they have actually submitted confirmation of us appearing on the electoral register ? we had the same problem back in 2023 with them , and here we are again 2 years on , we really should let a Sunday paper report & credit champion on it , great story & perhaps the flawed information they have on us may be changed once & for all to reflect the true position! However again I have to wait 28days to have it rectified, clearly they haven’t started using computers yet !!

I honestly think this is the least professional and effective credit referencing agency. I called them today for notice of disassociation and the lady instead advised me to email the details which I have but given me 28 days timeline to action whereas experian and equifax actioned it in 24 hours. For reference case number: 01476867

Quick, Simple and strait forward what more do you need.

1 star as ZERO is not a selectable option! TransUnion is an absolute disgrace as a credit score provider and should be investigated by the Ombudsman. Frankly, they shouldn’t even exist in their current form, they are inaccurate, shoddy and their inompetence and inaction destroy people’s lives, as you can see from the many 1 star reviews here.

In our case, Octopus Energy confirmed a default on my partner’s credit file was incorrect and twice instructed TransUnion to remove it. Experian removed the same record in 24 hours. TransUnion? Still sitting there months later.

We’ve rung them daily to make them aware of Octopus’ requests and try to speed things up yet they keep assuming we’re “disputing” the default, which is completely wrong. Only on our sixth phone call did one member of staff finally understand what we were asking. Even then, she admitted there was nothing she could do to make management read our email quickly to the central email quicker (this is the exact same email TransUnion is responding to 1 star reviews with, trust me, don’t hold your breath, no one will respond!)

Our 6th phone call also shed like that “management” have no phone line. They “respond via email only”. Yet as indicated our detailed email which cc’d Octopus (based on their recommendation) has had zero reply. There are “no internal comms” between the call centre and management, only a central admin channel to write and attach notes in an attempt to escalate your claim, so they can’t even check if anyone is actioning it. They cannot ring that team to get them to action it immediately.

If you look at the sheer number of bad reviews on here, the backlog must be massive, so I probably won’t get a response for a long time. Overall they’ve said 28 days to respond, even 5-6 weeks. This issue started back in May, so they can’f even stick to their own timelines. Meanwhile, we’re being held hostage from getting a mortgage because TransUnion can’t do their job.

Shocking company. Slow. Inaccurate. Utterly unaccountable. This is not just incompetence, it’s actively damaging people’s lives.

Absolute rubbish waste of time suggest they do not investigate fully to correct clear issues they have my information crossed with a guy in Wales sent them written and e mails to try and correct but still I can see his bank details

I was worried when my bank told me that they had taken away my overdraft. Not that I used it, but it was
satisfying that it was there, should I need it. When I spoke to the bank, they told me that they used 'outside' agencies to check on my credit. One of the agencies was TransUnion whom I contacted, and their service was first class. I received a well-constructed credit report showing that my credit was excellentlent. Thank you.

This company masquerades as an “agency” and that it is somehow fulfilling a statutory government obligation.
It’s nothing to do with government. It’s a private commercial entity that steals, buys and sells your data for its own profit.
It collects an awful lot more information than it ever had obtained permission to do so. It’s legally allowed to collect payment history and court conviction data only.
Instead they collect your web traffic, your salary, where you go, who your friends are, what you watch, the whole lot. All nefariously tucked and hidden away in extremely vague terms and conditions and small print. Watch this horrid organisation.
They make it as difficult as possible for you to complain and exercise your statutory rights into the bargain too with self created procedures and conditions. They could not be more deceptive and unhelpful. In many countries what they do is simply illegal.
These people are data thieves and they steal your information for profit. They are as bad as the criminals themselves as neither this company or the criminals has permission for what they take. AVOID AVOID AVOID and good luck if you ever need to try and engage with them. Keep all of your communications.

So I’ve changed my review to a positive one now.

After all the back and forth trying to get Transunion to update my credit report for years.

a lovely lady called Victoria finally managed to get it resolved after reviewing them on here.

Thank you Victoria :)

Terrible!!

Still reporting that I am not on the electoral roll despite being on it for over 10 years.

I have emailed them and sent in relevant information and queries regarding this and then they just stop replying.

Both of the other credit reference agencies report me being in the electoral roll only TransUnion have the issue.

I tried to advise a change but your website banned me your assessment is so far south of other scores it becomes farcical

I don’t want anything to do with Transunion but unfortunately my banks use them as credit reference agency. They have none of my information linked resulting in a poor score. Having emailed them I got fobbed off with a “ we are very busy” email ( not surprised as you’re so bad) and have just received another “ can we have your date of birth” email. The type of email I would expect to get from a Nigerian General. Very unimpressed.

Terry was really helpful and sent me an email outlining all I needed to go forward in my case and answered all my questions. Thank you!

I’d give zero stars if I could
Useless company
80% 1 star reviews, clearly doing nothing to improve their image, it’s embarrassing.
It’s time uk consumers were given a choice in who holds their credit file data
This company would go out of business overnight
They can’t even get the basics right …
Contacted them through their website back in June to highlight incorrect date of birth, it’s now August and still not rectified
I’ve chased this up again, but not holding my breath it’ll be sorted anytime soon.
How can they be trusted if they can’t even get the basics right 🤷🏻‍♂️
My sim only contract runs out this month, switched to a new provider and TransUnion have reduced my credit score, by 9 points
The reason… because I’ve opened up a new account
Absolutely ridiculous company
Government need to do an overhaul and give consumers the choice on who holds their credit score data
I suspect TransUnion will respond with their formatted generic thats used to reply to all reviews
I know the script off the top of my head as I’ve read the repeated format so many times 🥱

Update
Another two weeks with this saga and they insist my D o B is correct
No it isn’t
It’s now nearly September… almost 4 months and still not sorted

All I can say is I have never dealt with a company that is so useless. It uses (check my file) for credit ratings. Call centre based in South Africa. All information given to me was in correct. Phone number given to me was some mortgage company. Stay away from the misinformation company. The bad news is Octopus Energy use it for there credit rating.
Octopus Energy must be being paid to use them. Most companies use Experian or Equifax. Not some 5 year old company.

Quick support and excellent customer service

After decades of having an excellent credit score On Credit Karma (these guys get our info from TransUnion) I suddenly noticed a 60 point drop in my credit score. On viewing my report I saw that suddenly a company were saying I had not paid them for 3 months which was effecting my score. On raising a dispute with TransUnion directly on the Credit Karma credit report site they responded back that they had dismissed the dispute and the record would stay on my report. Interesting because the company they say I owe money to doesn't even exist, they gave me a number to call - which doesn't exist...and they are refusing to enter into more dialogue with me - but my score still remains effected. If you are a financial institution who relies on TransUnion you should have a deep dive - they are selling you wrong info.

Brain is very nice to me

Transunion do not provide an accurate representation of credit records as they do not recognise credit accounts with major banks. When raised to customer services they just copy and paste their FAQs and assume case closed instead of actually looking into the issue.

I have owned my own property and lived and voted in the UK for over 50 years and yet you think I don’t exist! As a result I can’t open an account with Atom bank and so they will lose my business. Don’t use TransUnion. I would give them zero stars if I could.

Good to view credit health