TransUnion UK Reviews 

Totally scary!

My problems started when I joined Nat West and completed a credit score which said` fair` which was in marked contrast to Experian and Equifax saying it was ` excellent`!

I discovered they held elderly information on there which I challenged and they were reluctant to alter. Despite having an audit trail that proved my information is correct, they are still reducing my credit score.

They haven`t responded to my complaint and now I have flagged it again which will take another 6 weeks.

I`m now going to the Ombudsman to formally complain as I`m aware that when you need credit then there is no guarantee which company will carry out the credit check.

Update

I`m now a year further on and yet another email from TransUnion trying to defend their working practices which are unsafe, inaccurate and amoral.

It took them a year to update three glaring problems with my credit report and they keep on saying thatthey have to wait for lender to update their records. Creation Finance confirmed my payments were clear and paid off but they chose to ignore that.

They also kep wrong information relating to my son who died over 20 years ago and with my second son they kept insisting I was his guarantor and wouldn`t adjust an address where he left over ten years ago.

As a final insult, they would like me to leave a positive reiew on Trust Pilot which I am unable to agree to.

It I could give them a zero I would. I closed a Bank account a year ago. They kept sending repeated messages regarding an update to my credit report. The bank concerned were apologetic and helpful. They advise me to send an email with specific detail. I did that 3 months ago. I asked them to stop. I made a formal complaint. Today I have had an email asking me for the detail I provided 3 months ago,.

TRANSUNION UK is a total Cowboy Organization running amok in our Country, without any Regulation from the FCA, who are turning a blind-eye - How can this happen?
Having requested of this Cowboy for a hard-copy of my "Credit Report", they and their CEO refuse to supply it, contrary to GDPR and other Regulations ?
The Cowboy's CEO is: Madhu.Kejriwal.
Need I say more ?

????? Who they to give me right f,,oooooof ;)

Extremely inefficient service. Unfortunately my bank ( Lloyds) uses this service. Takes ages to respond to complaints. Totally agree with the 76% of bad reviews.

This company has come out of nowhere, they have my credit rating as bad like they want me to purchase some plan with them but in fact my rating with Experian is the highest it can be. What an audio company you raise a dispute and it doesn’t even work. Total garbage. 🗑️

Bad company these are used by our bank checked my s ore last week they marked I never payed a water bill got proof I e never missed any bills in my 51yrs even water company stated this . But credit union say on my report I have. I’ve sent them proof an my water bill are waiting to see what they say as they want proof to why they put it against me when I owe nothing I’m always in credit .

28 Day SLA for support... Now day 76 with no resolution.
Had one response on day 65 to say that there was no content to my email.
It has their Support Ticket reference in it.

Just trying to get my mortgage to appear on my report that I've had since Feb 2025...

Untrustworthy, false report providing, should be banned from UK

I have never contacted TransUnion nor intend to. My experience with Experian and Equifax is of scores that reflect my long-term stability in maintaining credit accounts. I don't miss or delay payments and the summary information is usually wrong in more than one respect. TransUnion provide poor to fair ratings in contrast to excellent from other agencies. I feel TransUnion are disreputable and should not be able to hold and process personal data. Steer clear of them.

Complained to TransUnion as EDF had put a default on my record. Sent transunion all the information proving without doubt the default was incorrect. They asked EDF who said it was correct. So they took their side. Despite all the evidence showing otherwise.

I’ve had a very disappointing experience with TransUnion. Their customer service is slow to respond and not helpful when it comes to resolving credit report errors. I submitted documentation multiple times to correct inaccurate information, but the issue was never properly addressed.
The online dispute process is confusing, and getting a live person to actually explain what’s going on is almost impossible. For a company that handles such sensitive personal and financial information, I expected much better accountability and communication.
Overall, I found the service unreliable and unprofessional. I would strongly advise TransUnion to improve their dispute handling and customer support systems people’s financial reputations depend on it.

Transunion is very outdated and horrible, they connected my sisters bank and mine which is affecting my credit score terribly. I contacted them regarding my credit score and how low it is because of their faults claiming i am not on the electoral register when ive been on it since i was 18. They are completely useless and extremely rude.

I am absolutely disgusted by the tone and attitude in the email I received this morning from TransUnion. It was curt, defensive, and completely unprofessional.

After formally requesting my statutory credit report under the Consumer Credit Act 1974, TransUnion continue to misstate the law, claiming they have a full month to respond as though this were a general GDPR request. That is not true. HM Treasury have confirmed in writing that failing to provide a statutory credit report is a criminal offence, yet TransUnion have chosen to ignore that and shut down communication entirely.

Their handling of this matter shows total disregard for customer rights and for their own legal obligations. Ending a complaint email by refusing to communicate further while the issue remains unresolved is appalling.

This behaviour raises serious concerns about the company’s professionalism, accuracy, and compliance culture. I have now referred the case to the Information Commissioner’s Office and the Financial Ombudsman Service.

A company dealing with personal data should act with integrity and respect. TransUnion have done neither.

Completely rubbish
Say no more

This company they are lier they only reason they open this company to give people Headache stress even the credit score the report everything is not correct. You pay on time everything next time they block you especially with Klaran I pay on time. I never miss my bill. Everything I pay on time but this trans union they are rubbish they don't want people to work nothing they block you from everywhere totally rubbish company

Terrible service. It has added CCJs onto my account that aren’t even my name. When I try to dispute they tell me to find the person myself and ask them to write in to take the CCJs off me. Who would do that? This woman will just be happy they aren’t on her name.

Experian give me a score of 999/999 and I’m happy with that. TransUnion give me a low pathetic score and attach other people’s CCJs to me. I can see by all the other ratings that people don’t seem too keen on there. Especially getting in contact with them. It’s a joke!!!

How are these sc*mbags allowed to do what they do? Suddenly out of nowhere a default for o2 appeared on my credit score! Over £459! Who can rack up a mobile bill that aize these days when every contract comes with unlimited data roaming and minutes and texts! Tried disputing but TransUnion refused as they said theres no crime ref (?) wtf! Even if someone had used my details how would I have known as I only saw the default to day! If i was desperate I could never use o2 as the network never ever works within 20miles of here. 3 is the only network that gets a signal. I am furious theres no way of contacting Transunion without giving personal details on a long winded form which I will not do and here’s why.. did that a couple of years ago and within days had all these trying their luck debt people writing and calling.. all of the debts were unknown to anyone in this household. Also Transunion pass your details on to all these companies like Lowell and Moorcroft causing even more hassle. I am NOT showing wither my Spanish or UK passport to this company to prove who I am and o2 can shove it up their a$$.
NEVER TRUST TRANSUNION. It sickens me they are in charge of our credit financial system and get it wrong. Who do they think they are.

Incorrect information on my credit file if your going to to report credit information make sure its actually correct as this has a massive impact on the individual your reporting about..not trustworthy information and can't seem to dispute it..very annoying its every month of wrong information!!!

Useless and incorrect service. They have incorrect information on my file and even though I have gone through all of their channels to dispute this, nothing changes. Absolutely useless company