TransUnion Customer Service Issues

I have discovered an issue on my credit report involving an account with IC System. The account number in question is [redacted][redacted]. It is incorrectly attributed to me, Steven WAYNE Haws, with the wrong date of birth (DOB) of 2/20/57. The true owner of this debt is my son, Steven BLAINE Haws, born on 11/5/85. Despite us sharing the same address at [redacted] W 80 N, Orem, UT [redacted], our DOBs and social security numbers differ. I previously raised a dispute with TransUnion on April 15, [redacted], providing reference number #[redacted]4. Unfortunately, the investigation deemed the debt as mine likely due to the overlapping details. However, I have since spoken with a representative from Intermountain Healthcare at [redacted], who acknowledged the error. Their team member, coincidentally named Steven, assured me that the debt is not mine. I kindly request your assistance in rectifying this error promptly as it unjustly impacts my credit.

On April 16, [redacted], I accidentally lost a bag that contained important items. It fell from between my shirt and vest unnoticed, and despite retracing my steps, I couldn't find it. I've replaced the other valuables in the bag, but my social security card with my social security number remains missing. The social security administration advised me to seek guidance from you and other credit bureaus on how to handle this situation. Since I cannot change my social security number, I'm concerned about the potential misuse of my sensitive information if found by someone dishonest. While I can replace my bank account, credit cards, and driver's license, the irreplaceable nature of my social security number worries me. Any suggestions on how to proceed would be appreciated.

I'm in Canada. I attempted to log into my account but my password was not accepted. When I tried to reset my password using secret questions, I correctly answered them but received an email stating that my account was suspended due to an inability to verify my identity. The contact number provided in the email was only for the US. After speaking with two different representatives who provided conflicting information, I was directed back to the initial customer service number. Thank you, Valerie.

My credit score significantly dropped recently. One reason is due to a car accident where the other driver was at fault, and their insurance and gap insurance covered most of the expenses, but the claim was submitted late, making it appear as though I paid late. I contacted my finance company, but they never followed up. Another issue is with my Open Sky credit card. Despite making payments early or on time and not exceeding the credit limit, my credit score dropped by 40 points inexplicably. I've been struggling to reach customer service for hours due to a fraud alert on my account. I urgently need assistance with these credit score discrepancies.

Hola, mi nombre es Soul Escobar y estoy frustrada. He estado completando solicitudes de trabajo en línea y ahora me siento preocupada. Llené una solicitud en inglés y creo que mencionaba algo sobre un cargo de $1 o $2, no estoy segura. Lo importante es que no recuerdo haber autorizado ningún cargo en mi tarjeta prepagada. Quiero que me reembolsen el dinero y que no me sigan cobrando por algo que no tengo idea. No deseo continuar con estos cobros no autorizados.

TransUnion has been deducting money from my checking account without authorization. Last month, the bank covered it, but this month three of my checks bounced because of these deductions, requiring me to pay $35 per bounced check. I am certain I did not approve these deductions from my MasterCard account. When I call for assistance, the automated system keeps mentioning credit reports instead of addressing my issue directly. I am shocked by this whole situation and demand a refund. I have been trying to speak to someone for help but keep getting disconnected. If my attempts to dispute these withdrawals fail, I will involve my lawyer, who is already aware of the situation, and the fraud department. This has caused me financial strain as a disabled individual on a fixed income with kidney disease, making me wonder why my credit is even relevant in this scenario.

I was previously in a relationship where my ex-boyfriend used to pay my Foschini account since I was unemployed. After we broke up, he kept the Foschini account card, claiming he was the one making payments. When he got married, he stopped paying, causing my account to go into arrears. I recently applied for a car loan after securing a permanent job, but I was declined due to issues with Foschini and Vodacom accounts. I have since settled both accounts, but I'm unsure when I will be removed from the Credit Bureau. I tried contacting TransUnion but had difficulty reaching a live agent. Any assistance in resolving this matter promptly would be greatly appreciated.

I recently purchased a car with a 30-day return policy, but it started making a noise from the motor. I promptly returned it to the dealership within 12 hours. Despite giving them back the keys and all the documents, I have been incorrectly charged thousands of dollars for several months. I do not have the car, so I should not be responsible for these charges. I am disappointed that this issue has impacted my credit report. The dealership has been unresponsive and has not addressed the problem. I have conversed with both the dealership and Santrandas multiple times with no resolution in sight.

Dear Customer Service, On August 31, [redacted], I authorized a $1.00 charge for my credit report. However, unauthorized charges of $24.95 were deducted from my account on September 7, [redacted], and October 7, [redacted]. I did not consent to these additional charges and am unsure of their purpose. I demand an immediate refund of these charges. Furthermore, I request the removal of the false collection account associated with my husband, J.C.M. Jr. There has been no evidence presented to support this claim, despite our efforts to dispute it. We have involved the authorities, including filing police reports, and will be taking legal action against Trans Union for the damages incurred. I will also be contacting my bank to address this issue. These fraudulent activities are unacceptable, and we will pursue all necessary actions to seek justice and compensation. This serves as our final warning before legal measures are pursued.

I need immediate assistance to unfreeze my account. After calling multiple times, I keep encountering the same issue where the system claims my information is invalid. Even after speaking with a representative, the problem persists. I urgently need to resolve this matter as I have a credit score above [redacted] and am in the process of buying a car. The dealer is awaiting my purchase, but TransUnion's hold on my account is causing a delay. Please contact me at [redacted] to address this promptly. Thank you.

I need help setting up my account. After logging in, I am unable to unfreeze my account due to an error message. Upon logging in, the freeze/unfreeze option is skipped, and the next page displays an error message stating: "We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. We are sorry, but we are unable to fulfill your request at this time." Suggestions: If the issue persists, please reach out to our Website Access Support team at [redacted]. They are available Monday through Friday from 8:00 a.m. to 9 p.m. and Saturday through Sunday from 8:00 a.m. to 5:00 p.m. Eastern Standard Time.

Our home computer was recently compromised, potentially exposing sensitive information like bank accounts and login details. As a precaution, we've closed and reopened new bank accounts and updated all passwords. Additionally, we've reached out to Transunion, Experian, and Equifax to freeze access to our credit reports. We are now looking to unfreeze our Transunion credit history.

Hi there, I'm seeking guidance on how to report a potential identity theft incident. Yesterday, I unwittingly shared personal details including my address, phone number, email, and my mother's name with an individual whom I mistook for a relative. Upon discovering the error, I promptly blocked all associated phone numbers and removed the individual from my Facebook contacts. To safeguard my credit, I am eager to report this occurrence promptly. Kindly advise on the necessary steps to take. You can reach me via email at ([redacted]). This incident occurred on December 16, [redacted]. Thank you for your assistance.

I am concerned about my credit score. Last month, I only made a partial payment on my credit card, and my score dropped by 80 points. I usually pay off the card in full about 95% of the time, yet my credit score does not seem to reflect this. Even though I missed paying the full balance once, I find the 80-point drop excessive. Additionally, my card was paid off in full on 01/04/21, the first working day after New Year's, but the score has not yet improved. I hope this situation can be clarified and resolved promptly.

I have recently been notified by USFertility about a security breach and was offered the MyTrueIdentity service through TransUnion. I enrolled in the service, but after trying to use it, I received a message stating that my TransUnion credit lock is "unavailable." I have attempted to contact TransUnion through various phone numbers, but all of them lead to automated voice prompts, making it impossible to reach a live person for assistance. The representative from USFertility was unable to provide additional information and directed me to another automated service. I am concerned about how I will be alerted to any suspicious activity with this service. If I am required to constantly check the website for updates, it defeats the purpose since I can already monitor my credit on my own. I suspect that I may already have a freeze on my account and my children's accounts, but due to the previous difficulties in contacting TransUnion, I am uncertain about the status, how to unfreeze them, or who in my family is affected. I believe I should have a pin number from the previous attempt, but locating it is proving challenging. I am seeking assistance from a knowledgeable individual. Thank you.

Dear Apple Card Applicant, We have carefully reviewed your application for the Apple Card. Unfortunately, your application was not approved at this time due to recent past due accounts. Goldman Sachs Bank USA received your credit score from TransUnion Consumer Solutions, indicating a score of [redacted] as of February 20, [redacted]. The key factors affecting your credit score include serious delinquency, public records, collections filed, and having too many accounts with balances. If you have any inquiries regarding your credit score, please contact TransUnion Consumer Solutions at 1-[redacted]. As per the Fair Credit Reporting Act, you have the right to access your credit file, request a free copy of your report from the reporting bureau(s), and dispute any inaccuracies within 60 days of this notice. For further details on the negative reports on your account, please reach out to TransUnion Consumer Solutions at the provided contact information. Best regards, Peter K.

I am curious about a recent 19-point drop in my credit score. Despite paying on time, reducing my accounts, and paying one off, my score decreased. This also occurred late December [redacted], dropping from the 700s to the low 600s. I'm confused and seeking clarity on why this drop happened. Could getting an increased credit line on one account contribute to a score decrease? I paid off one account and reduced others, yet my score decreased by 19 points in the latest report. I am striving to pay off my accounts gradually and would appreciate understanding how the credit system works and how to improve my score. Thank you for your assistance in this matter.

I am experiencing multiple issues. Firstly, the email address associated with my account is outdated. I am currently using "[redacted]". Due to this, I couldn't complete the two-factor verification process as it is linked to the old email. I was not given an option to update my email. Secondly, I encountered difficulty with the phone tree system as it doesn't direct me to an agent, please provide me with a contact number to speak with a live representative. My phone number is [redacted]. I temporarily removed the freeze on my account on 4/11/[redacted] to allow Wells Fargo to perform a credit check for potential new credit. While this was successful, I only intended to lift the freeze temporarily, not remove it entirely. I managed to add the freeze back on 4/13/[redacted] but was not informed of the duration it remains in place. If any related information was sent to the outdated email address on file, I did not receive it as my correct email is "[redacted]".

My credit score unexpectedly dropped by 68 points without any apparent reason. Credit Sesame alerted me about the drop but did not provide any explanation for the change. Despite maintaining my credit usage at 27% and even lowering it further this month, my score decreased. I have always been diligent about paying my bills on time. Additionally, there are inquiries on my report that I am disputing as I did not authorize them, affecting my chances for pre-approvals, even though they were supposedly conducted in December [redacted]. Both Credit Sesame and Transunion do not offer any clarity on the sudden drop. I have diligently worked towards enhancing my credit score, aiming for an excellent rating, and this setback is confusing. I am seeking assistance in understanding this situation.

My credit score is significantly outdated, and I've undergone several major changes since it was last updated. I am planning to apply for a mortgage soon and would like to check my score beforehand. While I can easily access my score through free online accounts with the other two credit bureaus, I am unable to do so with TransUnion. I appreciate any assistance in resolving this matter. Thank you.