TransUnion UK Reviews 

I have an "Excellent" credit rating with Experian.
Audi use Bumper for splitting the cost of car repairs, they use TransUnion for credit references. I was refused credit because these companies say, "We couldn’t find a credit report for you at the address provided. Please check your details below:
Make sure your address is correct and up to date - if you’ve recently moved, try applying with your previous address.Make sure your name is your full legal name, not a shortened version, nickname, or entered incorrectly."
This is nonsense! If they cannot find me at an address where I have lived for over 10 years, they should not be in business.

After several telephone calls and emails to Creation finance over a couple of months to remove a fraudulent account on my credit score which they’d accepted shouldn’t have been there I contacted TranUnion who within 2 weeks had the account removed from my report big thank you to Lindiwe who I dealt with on the telephone

This has been a horrible time for me. Thank you to Transunion for your understanding and prompt response.

contacted them about how they have provided my bank with someone else's credit report and just keep messing me about and wont fix there mistake which is a breach of data protection act.

Of the three credit reference agencies Transunion are the worst I have had continual problems with their failures to update my credit report In particular they state that I am not on the Electoral register which is not true as I am on the register. This is the second time that I have to raise this issue with them and it continues to impact my credit score with Transunion
I find it odd that the other two agencies of Equifax & Experian do not have this problem neither do the credit broker agencies all of which score me as either excellent or very good whilst Transunion score me as 'Fair' which reduces my ability to get decent lending and credit card rates. There correction process is very slow as it was justover a year ago when I moved house and it took months for Transunion to get the information from the electoral register and correct

They are unable to verify my information and this was since raising 2 disputes. They are unable to give me any information and after stating I don’t want a credit report, sent me a report which was breached as it was repackaged by Royal Mail. Providers cannot verify me and after checking the data, it’s correct. I wish I could use a different credit bureau as I wouldn’t recommend this to anyone. Keep calling with info and they keep offing a report and not acknowledging the fact they can have a system issue which is what my providers have said. Overall, they’re an awful organisation and have breached my personal data and want to try and do it again. I wish I could give 0 stars

it took me few mints to get all the information I was looking

Absolutely useless website that doesn't work. A Monkey could do much better

I contacted them because I couldn’t understand that I’d paid off £19,000 worth of debt from my account and 2 of my cards had given me increased credit limits . On CREDABILITY my score increased by 40 points . Yet on MoneySuperMarket they reduced my score by 8 points . They also wrongly said 2 of my accounts was over 50% which was also incorrect ??

On MoneySuperMarket they had reduced my overall debt by £19,000yet still reduced my score by 8 points ???

Never answered my question just passed the back to Transunion ??

Time to dump MoneySuperMarket

A##holes

Declined me credit. Haven't missed a payment in 14 years and I couldn't get credit with V12 finance because of you. I'm with V12 and haven't missed a payment for them in 2 years and counting. You would happily give an illegal migrant credit though and not hard working born and raised british citizens.

Absolutely useless! 3 network fabricated a wrong amount and damage my credit score with this! I contacted this incompetent lots with information and raised a dispute, and this ones said they believe three network and closed the case! How unfair and nasty can you be? I have evidence of their 3’s fabricated lie! What is your usefulness when you allow this bad guys to bully people because they are bigger? A big shame on you TransUnion.

Good communication from Terry .
She answered my request politely and as I expected .
Great service.

Absolutely impossible to navigate their website. Everytime I try to raise a dispute it takes me back to the same screen. For a company as large as this its Absolutely appaling how they can get away with such shocking service.

I would love to blacklist them, disgraceful.

Personally I think all credit reporting agencies should be banned because sometimes it is their error or sometimes it’s the company who delay amending errors and Transunion are not good at replying at all or dismiss anything you send to them. They don’t look into things with the companies or their own errors hence why you receive barely any replies. They should be looked into and if not reporting or accepting errors then they should not be allowed to trade! Don’t ask me to email because already have endlessly!

Unknown searches on my credit history but trying to query them a nightmare. They ask ridiculous questions for example the overdraft available in January 2026 in a bank account opened in 2006!!

Useless people they didn’t my problem in two months. There are more than 10 times reported that I searched for finance and that are effected on my credit report and some reports shows I’m using overdraft which was not that how much they reported on my credit reports and some other companies credit cards usage aren’t correct either I reported all my credit reports to them and tried to send them emails and also I made dispute and even the first review Victoria replied and she mentioned email to contact her I send email on that mentioned email but not sorted my credit report. They’re useless

They stick to the typical scripted replies without actually looking at evidence sent to them over 3 status disputes. Only willing to add a Notice of Correction after refusing to change the status to its actual legal status

I am extremely disappointed with the way TransUnion has handled my credit report dispute.

I raised a dispute after discovering that my credit report incorrectly showed a missed mortgage payment. I immediately contacted my bank, who confirmed that no payment had been missed and that they had not reported a missed payment to TransUnion.

I have evidence from my bank confirming my mortgage account is fully up to date. Despite this, my dispute was rejected within a very short space of time, making me question whether it was properly investigated. I was told to contact my bank again, which I did. They once again confirmed there was no missed payment and no negative information had been reported.

I then visited my local branch, the staff confirmed once again that my account is up to date and that they have not reported a missed payment. They also advised that they cannot correct this with TransUnion because the incorrect information did not come from them.

I disputed the matter with TransUnion again, only to receive another response, rejecting it again and telling me to visit my local bank branch – something I had already done.

The most frustrating part is that I have evidence proving the information is incorrect, yet I have not been given any way to submit it for review. Instead, I seem to be going around in circles while an inaccurate missed mortgage payment remains on my credit file.

A mistake like this can seriously affect someone's creditworthiness. I expected a much more thorough investigation and a clear process for submitting supporting evidence.

It really does feel like I'm running against a brick wall. It should be simple, their is a mistake, here is the evidence to support it is a mistake.

I'm sure all they will do is comment on here and tell me to email the same address I'm going around in circles with.

I was happy with the service got my response on time since I requested for my notice of correction to be added on my report. thank you for the service even though the procedure for the notification takes longer.

Shame i cant give zero
60 emails in , raising multiple disputes for each error and still have someone else's poor credit history attached to my information and they will not remove it.