Company Overview

TransUnion is an information and insights company that creates trust between businesses and consumers. It has an actionable and robust picture of each person, grounded in its foundation as a credit reporting agency. TransUnion's capabilities go beyond credit reporting, offering products and services that help businesses make better decisions, manage risk, prevent fraud, and grow revenue.

Businesses can use TransUnion to access information and insights about their customers and prospects that they might not be able to get from any other source. And because TransUnion is a credit bureau, it has access to billions of consumer records that provide a comprehensive picture of each person.

Businesses use TransUnion's products and services in various industries, including banking, lending, insurance, retail, telecommunications, utilities, and healthcare. It has customers in more than 30 countries, and its products and services are available in nine languages. TransUnion is a publicly traded company; its headquarters are in Chicago, Illinois.

This enables it to tap into credit and public record data; its data fusion methodology helps it link, match, and tap into the incredible combined power of that data; and its knowledgeable and passionate team stewards the information with expertise by following local legislation around the world. 

TransUnion has a long history of innovation, also being one of the first companies to develop and use credit scoring in lending. TransUnion is also a pioneer in using data and analytics to help businesses make decisions and manage risk. In recent years, TransUnion has been developing new products and services that use alternative data sources, such as utility and rent payments, to help businesses make better decisions.

Type Of Consumer Data Collected

• Personally identifiable information ("PII"), such as a first and last name, home address, email address, telephone number, or Social Security number.

• Other information such as DOB, employment, or credit card account information.

• Device identification information is used to access the site, which may be associated with a mobile telephone number.

• Passive information is collected via cookies and similar technology, such as IP addresses, device identifiers, and application identifiers.

How is the Data Collected

TransUnion collects consumer information from a variety of sources, including:

• Consumers provide information when they apply for credit or other products and services.

• Information that is gathered when TransUnion communicates with consumers.

• Information from public records, such as property records and court filings.

• Information from businesses with a relationship with the consumer, such as banks, credit card issuers, and landlords.

How Is The Data Used?

TransUnion uses the data to:

• Complete and support any transactions you initiate on the site, including billing and shipping. This may include sharing your information with their service providers, such as credit card processors and shippers.

• Detect security incidents and prosecute those responsible for that activity. This may include sharing your information with law enforcement or other government agencies.

• Debug products or services, identify and repair errors that impair existing intended functionality.

• Perform data analysis, for example, to determine which features are most popular with users.

• Conduct research and development activities, including improving their products, services, and technologies.

• Facilitate communication with you, such as notifying you of updates or changes to the site.

The Rights Given Under CCPA, FCRA, GDPR, And DPA

The California Consumer Privacy Act allows consumers to request that a business delete any personal information about the consumer the business has collected. The Fair Credit Reporting Act (FCRA) gives consumers the right to request a free copy of their credit report from TransUnion and the right to dispute any inaccurate information in their report.

The General Data Protection Regulation (GDPR) gives individuals in the European Union (EU) certain rights concerning their data, including the right to request that their data be erased. The Data Protection Act 1998 (DPA) gives individuals in the United Kingdom (UK) certain rights to their data, including the right to request that their data be erased.

How To Request Deletion Of Your Data?

To request the deletion of your data from the TransUnion database, don't hesitate to contact them at privacy@transunion.com. You can use the CCPA compliance page directly here. If you want to call them, use this number: 1-866-310-8783. Also, click here to use the Do Not Sell My information page.

Please note that TransUnion may need to retain some information to comply with legal obligations or where it is necessary for TransUnion's legitimate interests.