The FCRA imposes responsibilities on all persons who furnish information to consumer reporting agencies and on all users of consumer reports. To read more on the responsibilities, please review the current FCRA obligation notices below.
Additionally, TransUnion wishes to remind your company of Vermont law (Vermont's Fair Credit Reporting Act, 9 V.S.A. ("VFCRA") § 2480e), which requires certain users of credit reports to obtain consent of Vermont consumers prior to accessing their reports. To read more on the responsibilities, please review the Vermont reminder below.
The National Technical Information Service has issued the Interim Final Rule for temporary certification permitting access to the Death Master File (“DMF’). Pursuant to Section 203 of the Bipartisan Budget Act of 2013 and 15 CFR Part 1110, access to the DMF as issued by the Social Security Administration is restricted to only those entities that have a legitimate fraud prevention interest or a legitimate business purpose pursuant to a law, governmental rule regulation, or fiduciary duty, as such business purposes are interpreted under 15 CFR Part 1110. As certain TransUnion services contain information from the DMF, TransUnion would like to remind you of your continued obligation to restrict your use of deceased flags or other indicia within the TransUnion services to legitimate fraud prevention or business purposes in compliance with applicable laws, rules and regulations and consistent with your applicable Fair Credit Reporting Act (15 U.S.C. §1681 et seq.) or Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.) use.
Adverse Action Requirement as Defined by the FCRA
To comply with certain requirements of the Fair Credit Reporting Act, [15 USC 1681m(a)(2)(A)], and to provide consumers with multiple points of contact on adverse action notices that you provide to consumers via mail, online, in person, or any other channel, TransUnion asks that you please use the contact information below when identifying TransUnion as the furnisher of the consumer report.
TransUnion Consumer Relations
2 Baldwin Place P. O. Box 1000 Chester, PA 19016
Consult your regular legal advisor regarding other legal requirements for adverse action notices.
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