TransUnion UK Omdömen 

Utterly useless Credit scoring system. NatWest Bank uses them, but their system doesn't work at all. I've had a credit card since the 1980s (never missed a payment), yet Transunion says I don't have a credit card. I've been on the electoral roll since the 80s, but Transunion thinks its been 18 months. Transunion complains that I only have accounts with two banks, as if that's bad (I don't understand this at all). It doesn't seem to know that I have an ISA with a 3rd bank. It says I don't have a mortgage (never missed a payment), yet I do. It says I don't have any loans, yet I do (never missed a payment). I have tried telling them, but they blame the banks, and my banks blames Transunion, so my credit score with them is rubbish and no one at Transunion will take responsibility. Credit scoring companies need an Ombudsman organisation to oversea these companies and ensure they are doing their jobs properly.

I don’t know why Halifax uses them.Costumer service does not exist,credit score is inaccurate all the time,they seem to be very dodgy and scammy.I started to doubt the are legal,

I have, ironically, an excellent credit rating with them but the evidence on which it is based is sooo flimsy. (1) I have paid the same water company for decades (though they tell me it's just 18 years) and (2) I pay off my credit card every month without fail. When I check my details I find that they never have the accurate balances for my various current accounts, even with the bank that provides me with access to Transunion. They show no interest in knowing what financial assets I may have, instead they encourage me to seek a greater credit card allowance, which I do not need. They are as woefully ignorant as were the credit rating companies that vouched for companies before the 2008 crash.

If I could give 0 stars I would!
Transunion are the worst credit reference agency ever!! You dropped my credit score because I opened a new credit card, but 2 months later, you dropped my score again because you said I didn’t have any credit accounts. I disputed this, so you put my score back up, only to drop it again because you said yet again that I don’t have any credit accounts. However you do say in another part of my report that I’m utilising my available credit well.
I am absolutely demented with having to constantly dispute the inaccurate information.
The information you have is consistently wrong & it’s having a severe detrimental effect on my credit score & I will now be forced to go through the ombudsman to get these issues rectified, as you often don’t respond to my disputes.
Experian & Equifax are able to get my information right, why can’t you?
You have access via my Halifax Bank Account, but still you get it wrong. I have no idea why you are tasked with tracking Credit Scores for UK customers.

I raised a dispute on 28/09/23 regarding incorrect information on my credit report and despite stating resolution in 28 days, I have not received a response other than a confirmation email.

My follow up emails aren’t responded to despite being encouraged to respond directly to the automated confirmation response.

I have had confirmation from the business in question that the information should not be present, so the case would seem an easy one to resolve.

I managed to get through to speak to someone on the phone and then received an email asking for more information. I responded with the required info and again have been ignored since.

I am trying to apply for a mortgage and this information could have a negative impact and is causing a lot of unnecessary stress.

Why would it take so long?! And why aren’t emails responded to?!

Incorrect information can cause serious issues when applying for credit and should not take this long to resolve!

My credit report is inaccurate, it's near impossible to resolve anything with TransUnion. You get the usual, dismissive generic response. I don't think they have a clue. Everyone else seems to have the same problem.

They hold incorrect record of me which is negatively impacting my credit score. I contacted them and requested that they correct their record. They did nothing and put all the burden of proof on me. One month on, despite that I submitted the legal document they required they still have not done anything. Personally I would not choose to have anything to do with this horrible company. Unfortunately Lloyds, which I bank with, use their credit reports.

They have linked a Welsh water account with someone of a similar name to myself (different spelling) despite numerous appeals and Welsh Waters help they continue deny my appeal and it's ruined 15 years of hard work on my credit score as the person in question hasn't paid their bill for months

Absolutely terrible dishonest company providing incorrect data detrimental to those who use it. My credit score falls consistently for no reason . I have managed debt perfectly have credit card in regular use just like they suggest also on electoral roll. I do everything I can to improve this pathetic number yet these crooks just deduct point monthly for fun. My last point deducted was 50 point. Absolutely no change other than them decided my credit score is too good to let's ruin it

disgusting company!! has caused me so much stress just to get my credit score sorted. my twins information is on my credit history and has impacted my credit score massively as my score was above UK average before now it's below UK average because of your system errors. I have tried contacting you but this company is useless Equifax had sorted my information on the phone, however for this company to reply takes weeks on end.. shambolic!

Have witnessed active fraud attempts on my credit report. Riased a notice of correction request to add a password to protect my account, 8 weeks later it still hasn't been added. Phoned customer support and was told "it's being processed", nothing more they can do. Raised a complaint and told the response would be In 8 weeks. They sent a confirmation and then 4 weeks later they confirmed the complaint again, resetting the response time to 8 weeks again. Its now been over 2 months and heard nothing about my request or complaint. What an atrocious company in charge of our data.

I tried to get a statutory credit report from them as Nationwide who I banked with for 30 years will not increase my credit limit because of a credit report from TransUnion. I am trying to get a statutory credit report from them . To get this they are asking me for unnamed bank details going back nearly 20 years which I don't remember as security check. Their help contact just don't work. It's just that rubbish companies like this should be able to operate.

Transunion is the worst out of them all.

They don't update accounts when they're closed they're left open yet other agencies report them to be closed.

I hope their offices collapse because of their lack of professionalism.

Impossible to get TransUnion to update their records to show correct electoral registration information. I have tried serveral times and got nowhere.

Nightmare to deal with and change your details, and thanks to this I can no longer use other services on the Internet that use to be available to me

Very poor credit company, keep dropping my account score because someone else open account with same name but different date of birth. When I called ask to explain me she cut my call. They just giving me stress that’s it without reason

If I could give Trans Union 0 Stars I would, absolutely shocking company that never has the right information. Lloyds use Trans Union unfortunately, and all my information is incorrect, I've emailed them twice as they instruct you too, but no response whatsoever. Yet Experian manage to achieve accuracy each month. This has an impact on your credit file, which is fine, but at least gather the correct information! You have balances on my credit cards that aren't there, apparently my main account doesn't have any activity, strange, as this is where everything comes in and out, and this has been like this from your side for nearly a year!

Transunion has incorrect information regarding my electoral roll registration. Despite disputing this and sending across evidence from my local council, Transunion closed my dispute and said they didn’t have any evidence.

This is not the first dispute of mine they have closed. Their customer service is abysmal and the information they store is completely incorrect which is negatively affecting my score with them. I do not have these issues with any other credit reporting agencies, just Transunion.

Absolutely useless and I cannot believe companies trust these incompetent imbeciles.

If I could, I would give it zero stars, I've had a mortgage for two years and they still don't see it, and when I filed a complaint they asked me to prove it, I'm not here to do your job for you, if you can't do the job correctly, don't do it, you estimate my points incompetently, what's more, you send this crap to banks and other similar institutions, to prove it, just look at Equifax or Expirian which see my mortgage, lack of professionalism, the government should severely punish you and lock you up!!!!

Really annoyed with my TransUnion score. I fully paid off two home improvement loans, one on 31st August, one on 7th September. We live in a digital world where transactions take minutes to appear, yet it takes TransUnion 30 days minimum, and up to 90 days to adjust the credit score. Please take this criticism as justified in 2023, that customers are being discriminated for up up to 90 days when trying to sort out their financial issues. I do not give a company with so many billion the right to mistreat customers.