TransUnion Risk and Alternative Data Solutions (TRADS) Privacy Notice

Privacy Notices

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This notice was last modified on and has an effective date of March 1, 2024.

We have recently updated our Privacy Notice. Be sure to review the notice carefully to understand our privacy practices.


Neustar, Sontiq, Argus, and Commerce Signals are now TransUnion companies. To learn how these companies handle personal information about you and the rights you may have regarding that personal information, please visit the Neustar Privacy Notice, the Sontiq Privacy Center, the Argus Privacy Notice, and Commerce Signals Privacy Notice.


This Privacy Notice (“Notice”) provides information about how TransUnion Risk and Alternative Data Solutions, Inc. (“TRADS,” “we,” “us,” “our”) handles personal information about you and describes the rights you may have regarding your personal information. This Notice applies to our online and offline collection, use, sale, sharing, and disclosure of personal information.

Your use of our websites, online applications for mobile devices (e.g., tablets, smart phones) other online products and services, as well as features and application interfaces when you communicate or interact with us (collectively, “Online Services and Offline Services”) is covered by this Notice.

Use of our online and offline services constitutes your agreement to the terms of this Notice. If you do not agree with the terms of this Notice, please do not use our online or offline services.

The entity maintaining this website and notice is a data broker under Texas law. To conduct business in Texas, a data broker must register with the Texas Secretary of State (Texas SOS). Information about data broker registrants is available on the Texas SOS website.

Visit our Consumer Privacy Rights page to exercise your privacy choices and rights.


Notice at Collection: We collect personal information as detailed in this Notice. The categories of personal information that we collect and the purposes for which we collect this information are listed below under “Collection and use of personal information.” To learn more about your privacy rights, including your right to opt out of the sale or sharing of your personal information, please navigate to the “Consumer privacy rights” section below. Our retention practices are outlined below under “Retaining personal information.”


View TransUnion’s California Consumer Privacy Act (CCPA) Metrics.

1. Collection and use of personal information

We collect personal information directly from you when you:

  • purchase one of the Online Services,
  • subscribe to our emails or newsletter,
  • participate in one of our contests or surveys,
  • sign up for an account with us, or
  • transact other business with us.

We may use personal contact information, email address, for non-service related notifications, such as, making you aware of new or enhanced products or services from us or our affiliates. You may opt-out of receiving these emails by following the unsubscribe instructions within each email or by contacting us. In the event that you unsubscribe from email communications, we may share your email address with our compliance agents or approved marketing partners to prevent you from receiving additional offers.

If you elect to order our products or authorize the release of Consumer Report Information, we use your personal information to process your transaction.

We may also use personal information for website analysis and advertising measurement.

We are a member of the TransUnion family. The TransUnion family of companies, including but not limited to our corporate parent, its affiliates and its subsidiaries, is collectively referred to as “TransUnion.” We may share your information with TransUnion in order to:

  • provide you with TransUnion products;
  • to improve TransUnion product offerings;
  • to facilitate and improve TransUnion’s advertising;
  • to improve TransUnion’s database accuracy;
  • to send you targeted offers; and
  • for use in products, which may be provided to TransUnion customers for debt recovery, investigations, compliance, fraud prevention, law enforcement, risk mitigation, and other lawful purposes.

The below chart describes the categories of personal information we may have collected in the past 12 months, from whom we collected the personal information, and for what purpose, listed by category of personal information.

Category of Personal Information

Personal information we may collect
From whom we collect it
Why we collect it

Identifiers

What we collect

  • Name (first, last, and/or maiden name) (or that of a family member or child); home address, billing address, or other physical address; an email address (so we may communicate with you); a telephone number
  • Device identification information used to access our websites; we may associate this device with a mobile telephone number
  • Information collected passively via cookies and similar technology
  • IP addresses, device identifiers, and application identifiers
  • Revenue-related information of subscribers
  • Categories of Sensitive Personal Information: Social Security number or certain other information, such as date of birth, employment information, and credit card account information

From whom we collect it (by category of sources):

  • Information you provide
  • Information collected passively via cookies and similar technology
  • Advertising partners
  • Banks/credit unions
  • Collection agencies
  • Commercial partners
  • Credit reporting agencies
  • Data aggregators, brokers, compilers, and licensors
  • Financial technology (fintech) companies
  • Government entities
  • Information that is publicly available
  • Insurance carriers
  • Marketing companies
  • TransUnion companies

Why we collect it (purpose and use of the personal information)

  • To verify your identity
  • To finalize an application and otherwise set up an account for access to the Online Services
  • To enhance and optimize an account for access to and use of the Online Services
  • To display, optimize and provide personalized advertisements
  • To communicate with you
  • For fulfillment of your requests and purchases, transactional and other communications about our websites and the Online Services
  • For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable law
  • For use in commercial products and services
  • We may utilize data from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely that you authorize your telecommunications provider (AT&T, Sprint, T-Mobile, Verizon, etc.), to share your personal information for the purposes of fraud prevention and identity verification. The information they share, if available, may include your telephone number, name, address, email, network status, customer type, billing type, mobile identifiers (IMSI) and (IMEI), and other subscriber status details.  TransUnion limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information

Personal information categories listed in the California Customer Records statute

Any information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, an individual’s name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.

Note that personal information in this category may overlap with other categories.

What we collect

  • Name (first, last, and/or maiden name) (or that of a family member or child); home address, billing address, or other physical address; an email address (so we may communicate with you); a telephone number
  • Device identification information which we may associate with a mobile telephone number you provide used to access our websites
  • Information collected passively via cookies and similar technology
  • Revenue-related information of subscribers
  • IP addresses, device identifiers, and application identifiers
  • Categories of Sensitive Personal Information: Social security number; or certain other information, such as date of birth, employment information, and credit card account information

From whom we collect it (by category of sources)

  • Information you provide
  • Information collected passively via cookies and similar technology
  • Advertising partners
  • Banks/credit unions
  • Collection agencies
  • Commercial partners
  • Credit reporting agencies
  • Data aggregators, brokers, compilers, and licensors
  • Financial technology (fintech) companies
  • Government entities
  • Information that is publicly available
  • Insurance carriers
  • Marketing companies
  • TransUnion companies

Why we collect it (purpose and use of the personal information)

  • To verify your identity
  • To finalize an application and otherwise set up an account for access to the Online Services
  • To enhance and optimize an account for access to and use of the Online Services
  • To display, optimize and provide personalized advertisements
  • To communicate with you
  • For fulfillment of your requests and purchases, transactional and other communications about our websites and the Online Services
  • For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable law
  • We may utilize data from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely that you authorize your telecommunications provider (AT&T, Sprint, T-Mobile, Verizon, etc.), to share your personal information for the purposes of fraud prevention and identity verification. The information they share, if available, may include your telephone number, name, address, email, network status, customer type, billing type, mobile identifiers (IMSI) and (IMEI), and other subscriber status details. TransUnion limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information

Characteristics of protected classifications under state or federal law

An individual’s age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

What we collect

  • Categories of Sensitive Personal Information: Age, race, ethnicity, and gender, if you choose to provide it

From whom we collect it (by category of sources)

  • Information you provide
  • Advertising partners
  • Banks/credit unions
  • Collection agencies
  • Commercial partners
  • Credit reporting agencies
  • Data aggregators, brokers, compilers, and licensors
  • Financial technology (fintech) companies
  • Government entities
  • Information that is publicly available
  • Insurance carriers
  • Marketing companies
  • TransUnion companies

Why we collect it (purpose and use of the personal information)

  • To verify your identity
  • To finalize an application and otherwise set up an account for access to the Online Services
  • To enhance and optimize an account for access to and use of the Online Services
  • To display, optimize and provide personalized advertisements
  • To communicate with you
  • For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable law
  • For use in commercial products and services

Commercial information

What we collect

  • Records of Online Services you purchased, obtained or considered purchasing from us

From whom we collect it (by category of sources)

  • Information you provide
  • Advertising partners
  • Banks/credit unions
  • Collection agencies
  • Commercial partners
  • Credit reporting agencies
  • Data aggregators, brokers, compilers, and licensors
  • Financial technology (fintech) companies
  • Government entities
  • Information that is publicly available
  • Insurance carriers
  • Marketing companies
  • TransUnion companies

Why we collect it (purpose and use of the personal information)

  • For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable law
  • To enhance and optimize an account for access to and use of the Online Services
  • To display, optimize and provide personalized advertisements
  • For fulfillment of your requests and purchases, transactional and other communications about our websites and the Online Services
  • For use in commercial products and services

Biometric information

What we collect

  • Audio recordings as part of contact with you, for customer support or otherwise

From whom we collect it (by category of sources)

  • Information directly collected from you

Why we collect it (purpose and use of the personal information)

  • Customer service and quality control

Internet or other similar electronic network activity

What we collect

  • Information about your interactions with the website, for example, when you view or search content, we receive and track that information; web session; log file information; information such as the website(s) you visited, when you visited the website, how long you stayed, your behavior while you are on our website and from what device you accessed the website
  • Information collected from advertising partners
  • Information about your interactions with online forms; for example, the use of autofill, number of pauses, length of time to complete a field, number of errors, number of changed answers, typing fluency and number of repeat interactions

From whom we collect it (by category of sources)

  • Information directly collected from you
  • Information collected passively via cookies and similar technology
  • Data brokers, which include data aggregators, data compilers, and data compilers/originators
  • Marketing companies
  • TransUnion customers

Why we collect it (purpose and use of the personal information)

  • To display, optimize, and personalize advertisements
  • To measure advertising effectiveness
  • To perform website analysis
  • For use in commercial products and services

Geolocation data

What we collect

  • Wi-Fi access points and as registered by Software Development Kits (“SDKs”)

From whom we collect it (by category of sources)

  • Data brokers, which include data aggregators, data compilers, and data compilers/originators

Why we collect it (purpose and use of the personal information)

  • For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable law

Sensory data

What we collect

  • Audio and electronic recording, for example, when you call in with a question to customer service

From whom we collect it (by category of sources)

  • Information directly collected from you

Why we collect it (purpose and use of the personal information)

  • For customer service purposes and to support consumers
  • To train agents to ensure best customer service delivery
  • To ensure legal and compliance obligations
  • To help answer questions and resolve disputes
  • For customer service representatives agent training purposes and to ensure customer satisfaction

Professional or employment-related information

What we collect

  • Professional Licenses
  • Employment Dates
  • Employer Name
  • Employer Information

From whom we collect it (by category of sources):

  • Information you provide
  • Banks/credit unions
  • Collection agencies
  • Commercial partners
  • Credit reporting agencies
  • Data brokers, which include data aggregators, data compilers, and data compilers/originators
  • Financial technology (fintech) companies
  • Public records made lawfully available from government agencies
  • Government (information not in public records)
  • Insurance carriers
  • Marketing companies

Why we collect it (purpose and use of the personal information)

  • To verify your identity
  • To finalize an application and otherwise set up an account for access to the Online Services
  • To enhance and optimize an account for access to and use of the Online Services
  • To display, optimize and provide personalized advertisements
  • To communicate with you
  • For fulfillment of your requests and purchases, transactional and other communications about our websites and the Online Services
  • For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable law
  • For use in commercial products and services

Non-public education information (per the Family Educational Rights and Privacy Act)

  • We do not collect this category of information

Inferences drawn from other personal information

What we collect

  • Site preferences, behavior, characteristics, for example, based on the sites you may have visited

From whom we collect it (by category of sources)

  • Information directly collected from you
  • Information collected passively via cookies and similar technology
  • Information collected from advertising partners
  • Banks/credit unions
  • Collection agencies
  • Commercial partners
  • Credit reporting agencies
  • Data brokers, which include data aggregators, data compilers, and data compilers/originators
  • Financial technology (fintech) companies
  • Public records made lawfully available from government agencies
  • Government (information not in public records)
  • Insurance carriers
  • Marketing companies

Why we collect it (purpose and use of the personal information)

  • To create a customer profile in order to better optimize your customer experience and offer personalize advertisements
  • To verify your identity
  • To finalize an application and otherwise set up an account for access to the Online Services
  • To enhance and optimize an account for access to and use of the Online Services
  • To display, optimize and provide personalized advertisements
  • To communicate with you
  • For fulfillment of your requests and purchases, transactional and other communications about our websites and the Online Services
  • For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable law
  • For use in commercial products and services

 

2. Disclosing for a business purpose and selling/sharing personal information

In order to enable our business partners to communicate with consumers in a digital environment and to provide relevant products and services to consumers, during the prior 12 months, we may have sold or shared for a commercial purpose or disclosed for a business purpose your personal information with different third parties as detailed below. Please note that TRADS may share your personal information for a targeted advertising purpose.

Note that a specific piece of personal information may fall into one or more categories of personal information.

Category of Personal Information

Sold or shared, by category of third parties

Disclosed for a business purpose, by category of third parties

Identifiers and personal information categories listed in the California Customer Records statute

  • Advertising networks
  • Consumer data resellers
  • Customers that obtain our services
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Social networks
  • TransUnion companies
  • Agents, consultants, and attorneys
  • Data analytics providers
  • Government entities and regulators
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Parties to litigation
  • TransUnion companies

Characteristics of protected classifications under state or federal law

  • Advertising networks
  • Consumer data resellers
  • Customers that obtain our services
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Social networks
  • TransUnion companies
  • Agents, consultants, and attorneys
  • Data analytics providers
  • Government entities and regulators
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Parties to litigation
  • TransUnion companies

Commercial information

  • Advertising networks
  • Consumer data resellers
  • Customers that obtain our services
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Social networks
  • TransUnion companies
  • Agents, consultants, and attorneys
  • Data analytics providers
  • Government entities and regulators
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Parties to litigation
  • TransUnion companies

Biometric information

  • We do not sell/share this category of personal information.
  • We do not disclose for a business purpose this category of personal information.

Internet or other similar electronic network activity

  • Advertising networks
  • Consumer data resellers
  • Customers that obtain our services
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Social networks
  • TransUnion companies
  • Agents, consultants, and attorneys
  • Data analytics providers
  • Government entities and regulators
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Parties to litigation
  • TransUnion companies

Geolocation data

  • We do not sell/share this category of information
  • We do not disclose for a business purpose this category of information

Sensory data

  • We do not sell/share this category of information
  • We do not disclose for a business purpose this category of information

Professional or employment-related information

  • Advertising networks
  • Consumer data resellers
  • Customers that obtain our services
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Social networks
  • TransUnion companies
  • Agents, consultants, and attorneys
  • Data analytics providers
  • Government entities and regulators
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Parties to litigation
  • TransUnion companies

Non-public education information (per the Family Educational Rights and Privacy Act)

·       We do not sell/share this category of information

·       We do not disclose for a business purpose this category of information

Inferences drawn from other Personal Information

  • Advertising networks
  • Consumer data resellers
  • Customers that obtain our services
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Social networks
  • TransUnion companies
  • Agents, consultants, and attorneys
  • Data analytics providers
  • Government entities and regulators
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Parties to litigation
  • TransUnion companies


3. Corporate reorganization

In the event that we enter into, or intend to enter into, a transaction that alters the structure of our business, such as a reorganization, merger, acquisition, sale, joint venture, assignment, consolidation, transfer, change of control, or other disposition of all or any portion of our business, we may share your personal information. We may also share your personal information if we undergo bankruptcy or liquidation, in the course of such proceedings.

4. Cookies, pixels, and similar technology

A cookie is a small text file that a web server places on your computer or device when your browser accesses a website. Cookies store data specific to you or website and are designed to create a record of or “remember” online activity. We use cookies for a number of different purposes. Some cookies are necessary to ensure the site functions properly and some enable us to deliver an individualized Online Services experience.

You generally have the ability to accept or decline most types of cookies. We do not respond to browser Do Not Track requests.  Most web browsers give you a choice to modify your browser settings to decline some or all non-necessary cookies, and you can manage your Flash cookies here. We provide you choices to manage your privacy and selling/sharing in the Cookies Settings section, also located in the footer of our website. Not accepting cookies may make certain features of the site unavailable to you. If you would like more information about cookies, you can visit http://www.cookiecentral.com/n_cookie_faq.htm.

5. Analytics technology

We use Google Analytics or other similar analytical tools to collect information in order to display and optimize advertisements and personalize your experience on our Online Services. As part of this service, we receive information collected from other websites that displayed our advertisements. This enables us to understand how our Online Services visitors, exposed to ads placed on other websites, interact with our Online Services. We may use this information to enhance or modify our campaigns that are designed to bring visitors to our Website. You may opt out of this data collection and sharing activity by visiting the Google Analytics Privacy Overview page or by navigating to Google Analytics Opt-Out Browser Add-On.

6. Links to other sites or services

This Notice does not apply to other third-party sites or services. If you click on a link or browse to a third-party site from our site/service, your activity and interaction is subject to that third party's rules and policies. We recommend that you review the online privacy statements on these other sites to understand their privacy practices and treatment of personal information so that you can make an informed decision regarding your use or interaction with their site/service.

7. Securing personal information

We maintain a comprehensive Information Security Program with administrative (policies, standards, and processes), physical, and technical controls designed to protect the confidentiality, integrity, and accessibility of your personal information.

8. Retaining personal information

We retain your personal information for as long as reasonably necessary to fulfill the purposes for which it was collected or processed, as described in this Notice. For instance, we retain your personal information, collected through our services and websites, for as long as your account is active or as needed to provide services to you and our customers. When determining retention periods, we consider our relationship with you and your information, the nature and sensitivity of the information, and what is reasonably necessary and proportionate to provide and improve our services. We also adjust retention periods to comply with our legal, reporting, or accounting obligations, to resolve disputes, and to enforce our agreements. We regularly review our retention periods and assess our data minimization practices, retaining the least amount of information for the shortest retention period, while still upholding all our obligations.

9. Consumer privacy rights

In some instances, TRADS offers its services to customers as a service provider/processor or subject to other exceptions under the applicable state privacy laws. Where TRADS is acting as a service provider/processor, we are processing data on behalf of others who will provide you applicable privacy rights.

If you are a resident of California, Colorado, Connecticut, Utah, or Virginia, you may take advantage of certain privacy rights, such as to request access, correction, or deletion of your personal information. You also have the right to appeal a denial of your privacy rights.

To make a verifiable consumer request for access, correction, or deletion (subject to limitations and exceptions under applicable law), visit our Consumer Privacy Rights page. If you have a TransUnion account, you can use it to make your request. You can also make your request without setting up an account. To do so, we will need your name, address, email, phone number, date of birth, and either your full Social Security number or the last four digits. Depending on the type of request, we may also need you to answer knowledgebase questions regarding data associated with you and/or provide a passcode sent to your phone number. We will use that information to verify your identity so we can respond to your request.

Because we may “sell” or “share” personal information or engage in “profiling,” “targeted advertising,” “cross-context behavioral advertising,” or use sensitive personal information, consistent with the defined terms in applicable state laws, you may also exercise your right to opt out of such sales, sharing, profiling/automated decision making, targeted advertising, or cross-context behavioral advertising, and limit our use of your sensitive personal information.

To make an opt-out request or to limit our use of your sensitive personal information (subject to limitations and exceptions under applicable law), visit our Opt-Out Request page or visit the following links: Do Not Sell or Share My Personal Information and Limit the Use of My Sensitive Personal Information.

Right to know 

You have the right to request a disclosure of the personal information collected, sold, and shared about you and the purpose for doing so, unless such request proves impossible or would involve disproportionate effort. Upon submission of a verifiable consumer request, we will provide you with the following information.

  • The categories of personal information we collected about you;
  • The categories of sources from which we collected your personal information;
  • Our business or commercial purpose for collecting or selling/sharing the personal information;
  • The categories of third parties to whom we sold or disclosed personal information; and
  • The specific pieces of personal information we collected about you.

To make a verifiable consumer request to know, visit our Consumer Privacy Rights page. If we provide this information to you electronically, the information will be in a portable format. To the extent that it is technically feasible, we will provide you the information in a readily useable format that you can easily transfer to another entity.

Right to correct

You have the right to correct inaccurate personal information that we collect or maintain about you, subject to verification. To make a verifiable consumer request to correct, visit our Consumer Privacy Rights page.

Right to delete

If we collected or maintain personal information about you, you have the right to request the deletion of this personal information, unless an exception applies under applicable law. To make a verifiable consumer request to delete, visit our Consumer Privacy Rights page.

Right to be free from discrimination

You have the right to be free from discrimination for exercising any of your consumer privacy rights. If you choose to exercise any of your rights, we will not:

  • Deny you goods or services;
  • Charge you a different price or rate for goods or services, including through granting discounts or other benefits, or imposing penalties;
  • Provide you a different level or quality of good or services; or
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Right to opt-out of the sale/sharing of personal information

You have the right to opt out of the sale/sharing of your personal information to third parties. To exercise your right to opt out of the sale or sharing of your personal information, through trackers or cookies please visit the Cookies Settings section, also located in the footer of our website. To opt out of the sale or sharing of your personal information through non-cookie and tracker based ways, visit our Do Not Sell or Share My Personal Information page.

Right to opt out of profiling/automated decision making, targeted or cross-context behavioral advertising

You have the right to opt out of our use of your personal information for purposes of profiling, automated decision making, targeted or cross-context behavioral advertising. To opt out of these uses, visit our Opt-Out Request page.

Right to limit the use of sensitive personal information

You have the right to limit how we use your sensitive personal information. Depending on the applicable law, sensitive personal information may include: Social Security number, driver’s license number, biometric information, precise geolocation, and racial and ethnic origin. To limit the use of your sensitive personal information, visit our Limit the Use of My Sensitive Personal Information page.

Right to appeal

If you believe we have denied any of your consumer privacy rights in error, you have the right to appeal by replying to our denial message or any communication from us.

10. Authorized agent

Using an authorized agent (with or without power of attorney) to submit an opt-out request or a request to limit the use of a consumer’s sensitive personal information: In order to submit an opt-out request or a request to limit on behalf of another consumer, please provide written permission, signed by the applicable consumer, authorizing the agent to submit the opt-out request. The name of the agent submitting the request must match the name on the authorization.

In order for us to locate the consumer’s record, please also include the consumer’s first and last name (middle name optional) and their address (including unit number, city, state, and zip code). You may also provide the consumer’s Social Security number and date of birth. While those fields are optional, this information makes it easier for TransUnion to locate the consumer’s information and complete the request.

Documentation may be sent to the addresses listed below.

Using an authorized agent without power of attorney to submit a verifiable privacy request for access, correction, or deletion of a consumer’s personal information: In order to submit a verifiable request for access, correction, or deletion on behalf of another consumer, an authorized agent without power of attorney must provide one item from each of the two sections below.

  1. Signed permission from the applicable consumer authorizing the agent to submit the verifiable privacy request on their behalf, including a description of the type of privacy request(s). The name of the agent submitting the request must match the name of the authorization.
  2. The applicable consumer must verify their own identity directly with the business by submitting information or documentation that provides sufficient proof of identification, such as:
    1. a Social Security number or a copy of a Social Security card issued by the Social Security Administration,
    2. a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate, or
    3. a copy of a driver's license or an identification card issued by the motor vehicle administration or any other government issued identification.

This secondary identification must include or reference the same name as stated in the signed permission form. The submission must also include sufficient information for TransUnion to locate the consumer’s file. More information can be found on TransUnion’s Consumer Privacy Rights page by selecting the appropriate consumer request option. 

Documentation may be sent to the addresses listed below.

Using an authorized agent with power of attorney to submit a verifiable privacy request for access, correction, or deletion of a consumer’s personal information: In order to submit a verifiable request for access, correction, or deletion on behalf of another consumer, an authorized agent with power of attorney  must provide the valid power of attorney executed under applicable law.

The submission must also include sufficient information for TransUnion to locate the consumer’s file. More information can be found on TransUnion’s Consumer Privacy Rights page by selecting the appropriate consumer request option.

Documentation may be sent to: 

TransUnion LLC
PO Box 130
Woodlyn, PA 19094

You can also email the information to privacy@transunion.com

To protect the confidentiality of your data, you and/or your authorized agent may choose to submit your data using confidentiality features offered by your email provider.

All personal information provided as part of this process will be deleted after verification has been completed. 

11. Personal information of children

Our services are not intended for use by individuals under the age of eighteen (18). You must be at least eighteen (18) years old to access any products through our website or become a member of any membership program entitled to membership benefits. If we learn that we have collected or received personal information from individuals under the age of eighteen (18), we will delete the personal information. We do not knowingly sell personal information of children under the age of eighteen (18) years.

Parent or Guardian Privacy Opt-Out Request (child under 18 years)

If you believe we have collected personal information from individuals under the age of eighteen (18), a parent or guardian may make a data privacy opt-out request or limit our use of sensitive personal information (subject to limitations and exceptions under applicable law) by visiting our Opt-Out Request page or by visiting the following links: Do Not Sell or Share My Personal Information and Limit the Use of My Sensitive Personal Information.

12. Contact information

If you have questions or concerns regarding this Notice or the protection of your personal information and privacy rights, you may contact us in the following ways:

Email

privacy@transunion.com

Phone

1-866-310-8783

Postal Mail

TransUnion Data Privacy Request
P.O. Box 130
Woodlyn, PA 19094


13. Notice changes and effective date

This Notice is subject to change at any time. If we make any changes to this Notice, we will post the revised Notice on this page with its effective date.

What You Need to Know:

The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 to assess your creditworthiness.

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