TransUnion レビュー 251

Absolute worst customer service I have ever experienced. I clicked a link from the Canadian government website to provide me with a free credit report. It asked for credit card information, but I assumed it was part of the credit report question. Turns out I signed up for monthly monitoring and they charged me $25. It took over an hour of explaining the situation to multiple customer service reps, and then being put back into the original queue to only explain it again to finally get someone to say yes, we will refund you. However, I do not trust that that will actually happen. I was also told that since I didn’t click the link to verify my email address that the membership would not start. I then received an email from Trans Union saying that the membership was confirmed, but I never confirmed it. I wanted to put everything in writing and send it in via email so that I did not have to go through another representative yet again and explain the situation and waste another hour. I was told by customer service they do not have email. The only way to get any service is to speak to someone who then tries to pass you off to someone else, but puts you into the queue once again. It is an endless loop and a lesson in frustration and a test of your sanity. They likely do this so that they wear people down and charge them. Use Equifax instead. Their customer service seems to be a little bit more with it.

They are used by "MyTrueIdentity" data is way off, only using 1 source for total credit available when there are 5.
Oldest credit is 15 years - minimum should be 50.

TransUnion is 100% Fraud Company. Do not buy their service because they will never allow you to cancel. No Option to cancel service online and then if you call to cancel the service - They try to sell again and upon pushing them transfer to another call saying need to do full verification.
I can believe in Canada we see such a Fraud Company. Be very careful with them

Did you know your credit score of 720 might be 649 tomorrow and you won't get approved for that mortgage?
Headline: Transunion Admits Your Credit Score Is A Moving Target

I'm a recent interaction, a TransUnion representative admitted that your credit score is ephemeral and inconsistent. According to them, changes occur daily, and a higher score on Monday "does not invalidate the score" you had on Friday.
Why this is appalling:
The Double Standard of Truth:
They claim two different scores can both be "correct" at the same time! If a bank or lender sees a lower score, Transaction says "that's accurate" even if their own system shows a higher score 5 minutes after.
Lack of Accountability:
By saying a higher score doesn't invalidate a lower score they're washing their hands of the real world consequences of higher interest rates and credit denials caused by their "time specific" data lags.
The Moving Goalpost:
We are told to manage our finances based on these numbers, yet TransUnion treats them as "transient snapshots" they won't stand behind if the score changes. 599 to 641 is a huge fluctuation that seems unreasonable by any measure.

I just discovered these dirt bags have been charging me a subscription. Its the same as theft.

Very fraudulent and incompetent. When you signup, be very careful and observe every hidden button or info. They fraudulently place you on a pricy subscription without consent and charge your account. I called to cancel and get refund, they wasted my precious time passing me across to about 6 different people/departments, each of them asking the same annoying questions over and over. This company should be fined for such a scam. It's very disappointing to see one of the main companies handling credit reports in Canada with such a terrible system.

All call for customer service are routed to India.
I sent docs for online verification six times and still no verification this bill was paid in full in 2024.

A recently created account was blocked, apparently due to a missing middle name that is never used in practice. Customer support was contacted by phone, but the agent was unable to resolve the issue and redirected to another authentication website.
After more than an hour of trying to complete the required steps, the process did not result in account access being restored, but only in an order confirmation. Subsequent login attempts continued to loop back to the same starting point with no resolution.
The overall experience was extremely frustrating, with a process that is unclear, inefficient, and poorly designed. As a web developer, user experience is a key concern, and this stands out as one of the most unprofessional digital experiences encountered on any platform.
Under these conditions, the platform is not considered usable or worth continuing to engage with.

While on hold you have to enter a “1” every 30 seconds to stay in the queue. When they answer there’s 20 seconds of silence so don’t hang up. Customer service had very strong accent that was hard to understand and was locked into his list of questions. Couldn’t answer any of mine. Finally told me to send photocopies of my passport and driver’s license to them through snail mail!

It is impossible to speak to somebody who speaks English as a first language. They are very rude and talk over you.
Repeatedly answer the same questions and then put on hold.
This is a scam company from Asia.
Be very cautious.
Stay away from them or you will be data breached.
Horrible company

My credit points were down by 18 points making me look bad. Nothing had changed. In fact I was paying down my accounts and in a timely manner. Their AI chat thing did not answer my question of WHY. I dont know what they dropped my points for especially so drastically. They are BS for monitoring and reporting. They make their own rules

TransUnion ignored paper mail disputes, then changed online dispute dates, they were in deemed refusal for a PIPEDA access request and only responded with a vague report and made minor corrections after regulatory involvement. The governing regulatory body saw any communication and any minor correction as an improvement and a partial win. Equifax is more responsive and reciprocal. It's well documented and known that Canadians can have great difficulties correcting wrong information eveb when TransUnion is in clear violation of consumer and privacy laws. Often TransUnion only acts when their hand is forced, and often governing regulatory agencies act as mediators politely asking for compliance without enforcing Canadian law. TransUnion like Equifax will try to upsell their products when you are contacting them regarding concerns and even if you purchase those credit monitoring and protection products your concerns will not be properly reviewed. My experience is ongoing from April 2025 and expected escalation through 2027 until regulatory and legal processes are finalized.

The fact that this outsourcing structure may be technically legal does not explain why a company entrusted with highly sensitive personal and financial information is allowed to continue operating with such ineffective, scripted, and difficult-to-access consumer support, especially where unresolved errors can cause real harm.

Hello everyone, I've read several of your comments and I sympathize with your problems with this company. I also agree that this company should be shut down. My problem was only just resolved after a month of sending emails left and right and making three phone calls that yielded nothing. I know the complaints here concern the English-language service, but in my case, it's the Canadian French-language service I have to deal with, as I'm a Francophone; this message is actually a translation. I created a TransUnion account to lock my credit after losing documents containing all my personal information, including my Social Security number. The next day, I wanted to access my account again, and to my surprise, it had been suspended. In short, it took over a month to finally regain access. I immediately unlocked my credit, even though it means less security, just in case they block my account again... My Equifax credit is locked, but I have no problem accessing it. That's all. It would take an online petition sent to the Government of Canada to shut down or change this business.

This company should be put out of business and sued for poor business practices. I was a victim of Fraud and my identity was stolen and i have had to fight with them for over 4 months. They have started a new dispute with every follow up and add an additional 30 days to their investigation when asked for removal. It took over a week for a supervisor to call me back and when they did still nothing was done. The agents are rude, dismissive and opportunistic in selling subscriptions and the credit monitoring is a scam that has no benefit.

Not really a useful company.
-charge fees for fraud monitoring and they are EXPENSIVE.

their "fraud investigation" is just calling the company and asking if that company agrees that it is fraud (no proof involved). So ultimately not really beneficial, and the police don't do anything either. Then you end up pinned down by the big corporation with this credit issue and nobody cares. This causes people to pay the bill anyway and suffer the credit hit. This causes inaccurate credit reporting but it does give corporations alot of power to force people to pay money they shouldn't, such as fraud and over-charging, fraudulent automatic renewals (TOTALAV).

On top of that, there is only 2 agencies so what can you do about it? not much, there isn't much motivation for good treatment of clients either. but they can milk us for money with monitoring fees you can get through your bank and credit company anyway for free.

I can't imagine the people who have given up and have bad credit who don't deserve it.

The prices may be fair, but I would give a 0 on customer service. It takes them a long time to reply and when they do its obvious they haven't read prior emails, or didn't understand them. Also VERY hard to understand. STRONG accents.

These sites need to get the loan companies to put the real prices of people's loans with the interest their charging you borrow $1200 and paying companies $3500 should be on your credit report not fake payments of less!!!!

The worst customer service experience. Poor English, and they were unable to explain the issue clearly. When I asked to speak with a supervisor, they refused to transfer my call.

Très compliqué à utiliser. J'ai déjà un abonnement qui se termine dans quelques mois et j'ai reçu un code d'activation pour un abonnement de 2 ans. Quand je me connecte à mon compte, il n'y a pas d'endroit où entrer le code. J'ai écris au chat bot, après 15 minutes la personne m'a dit de contacté un numéro de téléphone pour activer mon code. J'ai appelé et ils ont supprimé mon compte et ensuite j'ai du recréer un compte pour bénéficier de mon code. C'est super long.

Comparaison avec Équifaxe : Je me suis connecté, j'ai entré mon code et mon abonnement a été prolongé de 2 ans.

I was given an activation code from my accountant in order to access Trans Union. When I went online it didn't accept either of my email addresses. I was then suspended. I then called in and talked with a representative. I had to answer a few questions and his computer didn't accept my answers although I wasn't told which ones. There was no conversation between us. He wouldn't tell me what went wrong. The only thing he said I could do was to write a letter to Trans Union and that I would hear back in about 30 days. This is a long time especially if my identity is at risk. Very unhelpful. I don't even know why my email wasn't accepted.