Transunion are poor!

jazzyja

I'm getting sick and tired of them. I've opened case after case. They correct the errors, the information goes and then comes back again. I have to open ANOTHER case about the same issue that was removed but now back. Accounts years old and closed still showing as active. They removed this account, its now back. Suddenly im no longer on the electoral role register....ive never not been on it! Theyre months behind with my account balances. The other 2 agencies aren't. I've given up with it now. Do many mortgage lenders use transunion? Because I'd rather avoid. Theyre so inconsistent I don't understand why or how 

adamp87

Have you tried contacting the lender/creditor directly with this closed account? I imagine they are reporting the account to the CRA. They can’t really do much I don’t think if the company keeps reporting it.

D3xt3r5L4b

Lenders report the info to the CRA's.
If accounts are being re-added after being removed, it's because the lender is updating them and telling them to add it back on.
Why are you not on the ER? That's one of the key things needed to get credit, a mortgage etc.

onlyfoolsandparking

D3xt3r5L4b said:

Lenders report the info to the CRA's.
If accounts are being re-added after being removed, it's because the lender is updating them and telling them to add it back on.
Why are you not on the ER? That's one of the key things needed to get credit, a mortgage etc.

If you read it properly you'll see the op states they've never not been on ER, try and keep up! 

maxximus75

onlyfoolsandparking said:

D3xt3r5L4b said:

Lenders report the info to the CRA's.
If accounts are being re-added after being removed, it's because the lender is updating them and telling them to add it back on.
Why are you not on the ER? That's one of the key things needed to get credit, a mortgage etc.

If you read it properly you'll see the op states they've never not been on ER, try and keep up! 

I read that as the OP states they have always been on the electoral roll but now. have been removed?

jazzyja

D3xt3r5L4b said:

Lenders report the info to the CRA's.
If accounts are being re-added after being removed, it's because the lender is updating them and telling them to add it back on.
Why are you not on the ER? That's one of the key things needed to get credit, a mortgage etc.

I am on the ER. Always have been. The other 2 agencies have me as on the ER too. I've opened 2 cases. Both times they say solved but its still not changed. 

jazzyja

adamp87 said:

Have you tried contacting the lender/creditor directly with this closed account? I imagine they are reporting the account to the CRA. They can’t really do much I don’t think if the company keeps reporting it.

Thing that's confusing me the other 2 CRA'S have the accounts as closed its only transunion that keep putting them as active. I open a case theyl say it should show as closed but yet this month's new report is still active. Annoying 

jazzyja

maxximus75 said:

onlyfoolsandparking said:

D3xt3r5L4b said:

Lenders report the info to the CRA's.
If accounts are being re-added after being removed, it's because the lender is updating them and telling them to add it back on.
Why are you not on the ER? That's one of the key things needed to get credit, a mortgage etc.

If you read it properly you'll see the op states they've never not been on ER, try and keep up! 

I read that as the OP states they have always been on the electoral roll but now. have been removed?

No i haven't been removed. Transunion just keep changing it to say I'm not on. The other 2 CRA say I'm on. 

D3xt3r5L4b

Speak to your LA then and ask them to update TransUnion. 

jazzyja

D3xt3r5L4b said:

Speak to your LA then and ask them to update TransUnion. 

Just had a proper look and It was removed in 2016.....the account has now been reopened. Its registered at this address so surely can't be fraud as its a catalogue account! Il have to ring them tomorrow. Just difficult being able to speak to anyone given the current situation 

xlnc99

trans a nightmare. i feel your pain. i had endless problems with them, same situation as you. They keep messing me around and their emails are rubbish. Its like talking to robots

How i sorted my issue was simple

1 - make a complaint to credit karma via email to the complaint email
2 - call transunion directly and speak to them not credit karma. there is a direct number that goes to them and they are quite helpful