In September 2022, the nationwide companies provided a tailored response to more than 50% of complaints that were closed with an explanation or relief.
Provided more tailored complaint responses: Across all three companies, most responses now describe the outcomes of consumers’ complaints.Most complaints now receive more substantive responses. Changed how they respond to complaints: Equifax, Experian, and TransUnion use of problematic response types described in last year’s report has declined.Specifically, the CFPB found Equifax, Experian, and TransUnion have: Equifax, Experian, and TransUnion have since acted to remedy some of the issues identified in last year’s report. The findings follow last year’s report that detailed failures by the nationwide companies when responding to consumer complaints submitted to the CFPB. Today’s report is based on the 488,000 consumer complaints the CFPB transmitted to Equifax, Experian, and TransUnion from October 2021 through September 2022. The Fair Credit Reporting Act requires the CFPB to submit an annual report about complaints submitted by consumers regarding the nationwide consumer reporting companies: Equifax, Experian, and TransUnion. “We will be exploring new rules to ensure that they are following the law, rather than cutting corners to fuel their profit model.” “TransUnion, Equifax, and Experian routinely top the list of complaints submitted by consumers,” said CFPB Director Rohit Chopra. Today’s report includes considerations for the nationwide consumer reporting companies to improve compliance with consumer financial protection laws and, more broadly, to serve consumers better. – Today, the Consumer Financial Protection Bureau (CFPB) released an annual report that details improvements and deficiencies in the nationwide consumer reporting companies’ responses to consumer complaints transmitted by the CFPB. The service includes email updates of critical changes to your report, personalized debt analysis, and access to TransUnion’s credit score simulator, which assesses how a variety of future scenarios and actions could raise or lower your score down the road.WASHINGTON, D.C. You can also access your TransUnion credit report and score online through its subscription-based credit monitoring service, which costs $16.95/month and can be cancelled at any time. For $22.90, you can instantly access your TransUnion credit report-which includes your TransUnion credit score-online for up to 30 days after purchase.
There are two ways to get your TransUnion credit score: A one-time purchase or through a credit monitoring subscription package.
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Your free TransUnion report, however, will not include your credit score. If you don’t want to wait for your free report to arrive via snail mail, TransUnion charges $14.95 for instant online access to your credit report, which is available for 30 days after purchase. You can also access your TransUnion credit report instantly online, for free, once a year.
You can order a free copy of your consumer disclosure by submitting a request form via mail, fax or telephone, with two photocopies of identification and proof of address. TransUnion calls its free credit report a “consumer disclosure.” The Burlington, Ont.-based company is the Canadian subsidiary of TransUnion. TransUnion Canada is one of the two major credit bureaus in the country.
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