TransUnion was giving me a completely different score than what I'd seen on Equifax. So I checked my reports both with EF and TU. With TU, I had apparently picked up a 25K line of credit that belonged to a guy who lives 5 hours away from me, in a town I'd never visited. I thought it was fraud at first, but after investigating, I realized this man had provided his own ID. TU told me that they often picked up accounts like this by accident... the funny part is, the bank where the LOC was opened dealt with Equifax. So TU had to pick up this info from Equifax somehow. And Equifax wasn't showing the 25k LOC on my report.

I am in the middle of signing up for a mortgage and they told me they need 30 DAYS to investigate that the LOC is actually not in my name (which I was able to verify in under 5 minutes by calling the bank!) and I've had to put my mortgage on hold because TU didn't want to give me a document stating that I'd disputing the LOC until they'd finished investigating.

Also, their monthly fees are RIDICULOUS. Almost $20 with tax for both TU and EF to get a full report and history of your credit. The worst part is, you can sign up online but you can't cancel online. And in order to cancel you need to call, wait on the line 1 hour (this is no exaggeration for Equifax) and then spend 10 minutes verifying that you are who you say you are... and they then spend a solid 5-10 minutes trying to convince you not to cancel your membership.

It's frustrating.