En résumé
This is a legitimate charge from TransUnion.
What is the TransUnion charge?
A charge from 'TRANSUNION' is a payment to one of the three major credit reporting bureaus.
This is usually for a premium credit-monitoring subscription, dark-web scanning service, or a fee for an extra copy of your credit report.
Free Trials and Subscriptions
Many consumers get caught by 'free' trial offers for credit scores that automatically convert into $20-$30 monthly recurring subscriptions.
If you recently applied for an apartment or loan and paid for a background check, the third-party screener may have used TransUnion to process the fee.
- Step 1 Search your email inbox for 'TransUnion' to see if you received a welcome email for a monitoring subscription.
- Step 2 Call TransUnion customer support directly to cancel the subscription. They are usually willing to refund unwanted recurring charges if you complain.
Did someone steal my identity to buy a credit report?
While possible, it is much more likely you accidentally left a 'sign up for credit monitoring' box checked while viewing a free credit score online.
Dispute Rights & Fraud Prevention
If you suspect this charge is fraudulent or billing in error, you have strict federal rights protecting your account.
Always review your statement carefully and take action within 60 days.
What should I do if I don't recognize this charge?
First, check with family members or anyone authorized on your account. If the charge remains unrecognized, contact your bank immediately to report it. Under the Fair Credit Billing Act (FCBA), you have 60 days from the statement date to dispute unauthorized credit card charges.
How long does it take for a disputed charge to be removed?
Once you file a dispute, your bank must acknowledge it within 30 days and resolve it within two billing cycles (not exceeding 90 days). During this time, the disputed amount is usually placed on a provisional hold, meaning you do not have to pay it.
Répertoire indépendant non affilié à TransUnion. Les libellés varient selon les banques.
Sources vérifiées
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov