Even when you get through to a person at TU, it doesn't get much better.
I was calling to add one more disputed item and ask a question about several inquiries - since you can't dispute inquiries online - and the guy I got was slow as molasses, and he spoke in such a heavy Indian accent that I could NOT understand him at all so I had to keep repeating myself (and before I get flamed, I am not being racist with that statement - I have many Indian friends and LOVE Bollywood films, so I am usually quite good with even the heaviest Hindi accents, but this guy was impossible to understand). My call was meant to be very short and direct - just 2 questions. Then he started going through my credit report LINE by LINE, asking me if I knew about all of my accounts (but he wouldn't ask, "Do yo have a delinquent Ford account?" - he would ask, "Do you have an automobile account?"). When I told him that I was aware of all of my accounts and had disputed several and was NOT asking about those - only the ones I had specifically asked about - he got really bristly. Then he continued slowly going through the accounts.
When we finished (30 mins. later) he started asking me questions about my spending habits and income, etc., and I confronted him, asking why he needed to know any of that information. And he said he was just trying to get a picture of my creditworthiness. I asked why, and he wouldn't answer. I finally asked what his agenda behind asking me those questions which were unrelated to my call was, and he said we are just trying to help you sir. "With what?!" I asked. I asked if he was trying to sell me something, and he denied that. He then told me I had really good credit and he didn't know why I was disputing all of these items. I was incredulous at this - I said, "No. I have horrible credit, which is WHY I am trying to make sure that my credit report is 100% accurate!" He then said, "Well I guess we're not getting anywhere" and then hung up on me, but it didn't go to dial tone, so I kept saying "Hello? Sir?" for 30-40 seconds. Then I hung up.
When I called back to ask what just happened the woman who answered interrupted me repeatedly and refused to talk about the information from the previous phone call, asking "What can I do you TODAY, RIGHT NOW?" I said I just wanted to confirm what I had ust disputed had actually been disputed since I got hung up on. She said that according to her notes, I hung up on the previous agent after he placed me on Mute. WHY WOULD YOU PLACE SOMEONE ON MUTE?! I asked. Then I asked if it was common practice to ask the questions he had asked me about my creditworthiness, and she said I can't speak for anyone else. I then pushed her to answer. And she finally said that he was probably wanting me to purchase their Score Monitoring program. Then she hung up on me.
Of course, in both cases when I asked to speak to a manager, I was told that they don't have managers. A call center full of unsupervised people? When they are handling some of the most sensitive financial information for every individual in the country?
So, anyway, to prevent a long story from getting any longer, TransUnion has bad phone service.
What a nightmare.
