TransUnion UK レビュー 507

One star is unfortunately the lowest score I can give! Over a year ago, they accepted they’d failed to deal with my complaint that their records were incorrect. They paid me £150 compensation for not having updated my homeowner status. Last week I discovered that they still had not updated my bank! I complained again only for them to say that they wouldn’t uphold my new complaint, despite having shown them proof that the prior correction hadn’t been dealt with. What does it take to have this organisation recognise their responsibilities? Disgusting service. As always.

Quick in responding to issues

They hold completely incorrect information. On Experian I have an excellent credit score but according to Transunion I don't even have a bank account! If a company use Experian I can get a large loan but if they (paypal for instance) use Transunion I can't even have 3 monthly payments on a relatively small amount. I'm not desperate for credit but it is frustrating. You can't request anything to be added either.

Friendly and really helpful

After months of confusion, miscommunication, and more email threads than I care to count, I feel it's only fair to write this review based on the full picture.

I originally contacted TransUnion regarding serious issues with my credit file — including a completely incorrect alias link, disputed account information, and a mysterious associate search that made no sense to me. I also submitted a Full Subject Access Request (SAR), which appeared confusing and at first seemed incomplete or overly redacted.

Admittedly, I was not shy in pushing hard for answers. But despite the complexity and my increasing frustration, TransUnion remained professional and responsive throughout. Special mention goes to Billy in the Subject Access Request team, who took the time to investigate each concern properly and respond clearly — point by point, with technical accuracy and a refreshingly human tone.

One of the core issues turned out to be an address mismatch caused by TotallyMoney, a third-party credit service, who were silently dropping part of my correct address during postcode lookups. This caused me to blame TransUnion unfairly — which, once discovered, I felt needed to be acknowledged.

To their credit, TransUnion had the correct address information on file from the start. The delays and confusion weren’t down to them, but they handled it far better than many organisations would have.

Yes, the process took time. Yes, their documentation (especially under SAR) can be dense and a bit too redacted to be truly transparent. But when pushed — firmly but fairly — they did exactly what they’re supposed to do: fix the data, explain their systems, and treat me like someone with a legitimate right to ask tough questions.

If you’ve got issues with your TransUnion credit file, be persistent, be clear — and expect that you may need to escalate. But also know this: there are real people behind the scenes who will take ownership, even if the journey is longer than expected.

Well done, TransUnion. You got there in the end.

1 is a generous review
Transunion have failed to take the action they agreed in writing.
2 out of the CSR's I have spoken with at Transunion failed to find a solution to the problem, had no explanation why agreed actions had not been taken.
I asked for a complaint to be raised, I doubt this action has actually been taken

They put wrong information about the people and because of their Company we can get nothing like getting the credit card or car or loan

Very well explained and apt with dealing with my issue. I was able to view my credit report as well.

I have been a victim of fraud and needed to protect myself against identity fraud. Dineo Mashinini was very helpful in arranging a password protected NOC to my credit account. This has now given me the peace of mind I needed by having the added security on my account,

When I request my credit report on line, I get a message that comes up that I cannot view my credit report as it cannot be verified. I have bee reporting this for weeks to TransUnion and the problem has still not been fixed. I still cannot view my credit report on line. And I have been advised twice by them that they are sending out to me a hard copy of my credit report in seven days. I have not received the first copy that was promised over a week ago.

Plus I have reduced my credit limit, they are not showing this IT IS NOW ONLY £1000.00. They have even investigated that and told me I am wrong no they are, they need to check my with credit card supplier who have confirmed to me in writing that my limit is reduced. It is a slow service and that becomes frustrating.

Having been targetted by scammers and following attempted identity fraud, I registered with TransUnion and requested additional protection on my credit report. Consumer Services rep Nandi was excellent and set up a Notice of Correction (NOC) for me. Thank you Nandi for sorting this so quickly and giving me peace of mind.

They really help me out to set a password on my credit account my bank statement personal detail was compromised by a scammar they really help me I want to thank the person name Dineo Mashinini Consumer Services

Great service, when other companies made it sound impossible as I haven’t lived in the uk for years but bank required it here for a mortgage application. They responded promptly and I received my credit report which was hugely helpful, many thanks

I can’t believe how the are to me I email them and back to me in 10 min and the tray hard to help costomar service and the don’t let you go till the resolve evrything thank you

It my first time of raise a dispute via TransUnion. So far they have been okay and I hope they are able to arise at a positive resolution

Published inaccurate to Nat West.

When trying to access my TransUnion credit report I get an error message that I can’t be validated. I sent an email and the response was basically sorry we can’t help you call 0330247574 but the number doesn’t work. I am desperately trying to understand what my credit record says but I can’t because they seem very reluctant to help.

TransUnion is by far the slowest CRA to update credit files. Virgin Money confirmed they’ve sent updated data, and both Equifax and Experian reflected it promptly. But TransUnion? Still showing outdated, high utilisation - and there’s no way to request a manual refresh.

Under the Data Protection Act 2018, they’re legally obliged to ensure personal data is “accurate and, where necessary, kept up to date.” Yet they refuse to act until their next arbitrary update cycle, even when corrected data has already been submitted.

To make matters worse, if you email them, you get an auto-reply saying it can take up to 28 days to respond. What kind of SLA is that for a company holding critical financial data?

The website is clunky, the chatbot is useless, and the whole experience feels outdated and obstructive. When timing matters, TransUnion can seriously damage your financial position.

Absolutely no help whatsoever. Just a generic reply. My credit score suddenly dropped 12 points, the reason given that I had opened a new account. I have not done so and have kept the same bank account for the past 34 years. There seems to be absolutely no means for me to question this.

Excellent costumer service team