TransUnion provides a variety of services to our valued customers regarding their data reporting needs. Our reporting representatives can discuss how TransUnion may output a certain reporting scenario, and give you the option to test your changes and remove inaccurate data. Our team helps you discern why an account or public record is reflected in the manner it is. We can help you learn how to review your customers’ accounts, and help ensure your data remains accurate and compliant when performing major system upgrades. Contact us for assistance in obtaining your unique, eight-digit TransUnion reporting subscriber code(s) which identifies the subscriber who reported the data.
For questions about service options or data furnisher support, contact your Data Reporting Representative. If you do not know who your Data Reporting Representative is, please contact Data Operations at [email protected] or 1-800-303-9664.
There are instances where you may need to know how TransUnion may output a certain reporting scenario based on your Metro 2® input. TransUnion Data Reporting Representatives are available to discuss a reporting scenario and how it will output.
There are also valuable frequently asked questions and answers related to common reporting scenarios in the Metro 2® Credit Reporting Resource Guide.
TransUnion advises that any and all data reporting changes are tested prior to loading to our production database. No change is too big or too small to protect the accuracy of your credit reporting file and your consumer base within it. Frequently Asked Questions 46 through 48 of the Credit Reporting Resource Guide® can provide you with the necessary guidelines for reporting transferred, sold, or purchased accounts.
It is imperative that processors communicate with us on frequent basis, informing us when a new Data Furnisher is added or removed so that we may make the appropriate changes to our internal systems. All new Data Furnishers should be tested prior to permanently adding them to your production platform.
It's very important accurate data resides on TransUnion’s database. However, should your business need to dictate the removal of data, the Credit Reporting Resource Guide® can provide you with the necessary guidelines for reporting accounts for deletion.
TransUnion advises any and all data reporting changes be tested prior to loading to our production database. A delete Account Status should be utilized to remove inaccurately reported accounts.
Our team can help you understand why an account or public record does not appear to be updating, does not appear accurately or does not appear at all. Common reasons for records to appear inaccurately on a credit report or not at all can be: incorrect Portfolio Types/Account Type combinations, missing fields (e.g., Account Status, ECOA code), or improper name formatting. The more you investigate prior to coming to us the faster we’ll be able to resolve your issue. Please have the pertinent account/public record information available, such as a copy of a TransUnion credit report.
TransUnion has the ability to customize account number masking based on your business needs
Where are you now? It's important for TransUnion to be aware of changes to your business name and/or location in order to communicate effectively. Help us keep our records up to date by telling us when your company name, address, phone number, email address or data reporting contact changes by contacting your Data Reporting Representative. If you do not know who your Data Reporting Representative is, please contact Data Operations at 1-800-303-9664 or [email protected].
There may be scenarios that require an update to a consumer account via e-OSCAR® or your reporting file to resolve an outstanding issue or dispute. In these scenarios, you may want to verify your changes were accurately applied. TransUnion Account Reporting Review can give you the power to monitor and confirm your changes have been made to your consumer’s accounts.
If changes you've made to key reporting fields (i.e., Account Number, Portfolio Type, Identification Number, or Date Open) have caused anomalies in your data, contact us. While you may be aware you're making these changes, it's imperative we're also aware of these changes prior to sending them to us in production. We can test your file, then plan for and take corrective actions to minimize the impact to our database and your consumers.
The reporting subscriber code is a unique eight-digit, alphanumeric code consisting of the credit grantor’s Kind of Business (KOB) designator followed by the TransUnion-assigned reporting subscriber number. This code identifies the subscriber who reported the data. Keep in mind the reporting subscriber code is not the same code as your inquiry code. To request your TransUnion reporting subscriber code(s), please contact your Data Reporting Representative. If you do not know who your Data Reporting Representative is, please contact Data Operations at 1-800-303-9664 or [email protected].