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TransUnion Bogus Credit Monitoring Offer

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Recently, I disputed several unauthorized credit inquiries on my TransUnion Report. In return, I received the most ridiculous letter and transparently bogus offer for credit monitoring in the mail from TransUnion.  The letter was dated February 22 and states:

 

Dear Consumer:

 

We want to make you aware that due to a technical issue that we have since resolved, the security freeze that you have in place with TransUnion was briefly deactivated and during that time period one or more inquiries from a creditor or other party with permissible purpose were made on your credit file. Please note that your freeze is currently in force and we have enclosed a current copy of your credit report so that you may review the inquiries that occurred.

 

While we believe it is very unlikely that any fraudulent activity could result from this situation, to help provide you with peace of mind, we would also like to offer you one year of complimentary TransUnion Credit Monitoring. This service will alert you if critical changes occur on your Experian, Equifax or TransUnion credit reports over the next 12 months. To enroll in this free service, go to the TransUnion Monitoring website at www.transunionmonitoring.com and in the space referenced as "Activation Code" enter the following 12-letter Activation Code __________________ and follow the simple steps to receive your credit monitoring service online within minutes.

 

If you have any questions, would like us to remove the above referenced credit inquiries from your file, or simply do not have access to the internet and wish to enroll in a similar offline paper based credit monitoring service, via U.S. Mail delivery, please call TransUnion at 1-800-242-5181 Monday through Friday, 9:00 a.m. to 7:00 p.m. eastern time.  When prompted, please enter or say the following 6-digit telephone pass-code: _________.  You can sign up for the online or offline monitoring service anytime between now and February 28, 2013. Do to privacy laws, we cannot register you directly.

 

We sincerely apologize for any concern or inconvenience this situation may have caused you.

 

TransUnion Consumer Relations

 

My first reaction was cool, they realized they screwed up, apologized, and offered me free monitoring to ensure I could monitor my credit in the future. I was impressed. Then I read the letter again and realized the letter is dated February 22 (a Friday), was not received by me until March 6th, and had a February 28th time limit on the offer. When I tried to activate the credit monitoring using their codes, the code had expired. When I called TransUnion about this, they were incredibly snarky and said "sorry you didn't act in time." My response cannot be printed here.

 

I can't believe I am the only one to receive this bogus offer, and quite frankly, I'm suspicious of their actions. How absurd are these credit bureaus going to get?

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I'm very happy that I found your post.  In my case, I just asked that my birthdate be corrected on my credit file with TransUnion.  I recieved the exact same letter, dated February 22, 2013.  It also offered the 12 months of free monitoring with an offer that expired February 28.  I think the letter is insulting and just a ploy to get you to sign up for their monitoring. 

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Hi Admin and Dance2Live, thanks for the feedback.  For me their reply was like being invited to a Christmas party on December 30th.  I'm going to have some fun with them. I already use their credit monitoring online. I'm going to invoke the arbitration provision in the credit monitoring product to force them to make good on their offer. ;-)

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It just seems strange that they send out that same letter (it appears) to anyone who has contacted their agency.  In your case to dispute some credit inquiries.  And in my case, to correct an incorrect birthdate.  In both cases they don't acknowledge that the mistakes have been corrected (other than sending a copy of the (hopefully) revised report) and then say that a freeze has been placed on the account.  So when you call to ask about the freeze, they then try to sell you monitoring.  It doesn't seem like a very honest way to do business..........get you all concerned about some "freeze" and then offer a credit monitoring offer.  btw, Consumer Reports doesn't necessarlily recommend credit monitoring.  In many cases, it is not much protection and not worth the monthly fee.

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