TransUnion LLC Privacy Notice
Privacy Notices
This notice was last modified on and has an effective date of December 16, 2022.
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 Center, the Sontiq Privacy Center, the Argus Privacy Notice, and Commerce Signals Privacy Notice.
This Privacy Notice (“Notice”) provides information about how TransUnion LLC (“TransUnion,” “we,” “us,” “our”) handles personal information about you and describes the rights you may have regarding your personal information. This Notice applies to TransUnion LLC and its online and offline collection, use, sale, sharing, and disclosure of personal information. It covers certain consumer credit reporting and other regulatory activities, including use of the Consumer Online Self Service, Digital Self Service, and TransUnion FactAct website, as well as certain business solutions.
This Notice does not cover TransUnion Consumer Interactive, Marketing Solutions, TransUnion Rental Screening Solutions (TURSS) TransUnion Risk and Alternative Data Solutions (TRADS), iovation, Shareable, Signal Digital, Inc., TruAudience Marketing Solutions, TransUnion Customer/Partner Portal, our international regions, and your interactions with TransUnion as a job applicant. Please visit their respective privacy notices via the links on the left-hand side of this page.
Notice at Collection: We collect personal information as detailed in this Privacy Notice. The categories of personal information that we collect are listed below under “Personal information we collect,” and the purposes for which we collect and use personal information are listed below under “Purpose 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.
View TransUnion's California Consumer Privacy Act (CCPA) Metrics.
Introduction
This Privacy Notice (“Notice”) provides information about how Trans Union LLC (“We,” “Us,” “Our,”) handles personal information about you and describes the rights you may have regarding your personal information. This Notice applies to Trans Union LLC and its online and offline collection, use, sale, and disclosure of personal information. It covers certain consumer credit reporting and other regulatory activities, including use of the Consumer Online Self Service, Digital Self Service, and TransUnion FactAct website, as well as certain business solutions.
This Notice does not cover TransUnion Risk and Alternative Data Solutions, TransUnion Interactive, Inc., TransUnion Rental Screening Solutions, Inc., Media & Digital Marketing Solutions, and your interactions with TransUnion as a job applicant. Please visit their respective privacy notices via the links on the left-hand side of this page.
1. Personal information we collect
When you interact with us we may collect information to help identify and contact you, including, but not limited to, your name, email address, physical address, telephone number (landline and/or mobile), and Social Security number.
If you create an account, we will collect your username, password, date of birth, employment information, credit card and loan account information, information about dispute(s) you raised regarding your credit report, and information you provide to support the issue you raised.
We also collect information about the device you use to access our online services. This includes device ID, advertising ID, your browser, your browsing history while using our online services (for example, the pages you view, how long you stay on each page, how often you return, and/or the site you visit when you leave us), the ads or online content you viewed, accessed, or clicked.
We collect your IP address and information related to that IP address, such as, geographical information, domain information, and the internet service provider used. We may also use various technologies to determine your location, including IP address, Wi-Fi access points, and cell towers.
As an information solutions provider, we collect different types of personal information about you from various sources. The below chart describes the categories of personal information we may have collected in the past 12 months and from whom we collected the personal information, listed by category of personal information.
Category of Personal Information | Personal information we collect |
Identifiers | What we collect Including, but not limited to the following:
From whom we collect it (by category of sources):
|
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. | Note that personal information in this category may overlap with other categories What we collect Including, but not limited to the following:
From whom we collect it (by category of sources)
|
Characteristics of protected classifications under California 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 Including, but not limited to the following:
From whom we collect it (by category of sources)
|
Commercial information | What we collect Including, but not limited to the following:
From whom we collect it (by category of sources)
|
Biometric information | What we collect Including, but not limited to the following:
From whom we collect it (by category of sources)
|
Internet or other similar electronic network activity | What we collect Including, but not limited to the following:
From whom we collect it (by category of sources)
|
Geolocation data | What we collect Including, but not limited to the following:
From whom we collect it (by category of sources)
|
Sensory data | What we collect Including, but not limited to the following:
From whom we collect it (by category of sources)
|
Professional or employment-related information | What we collect Including, but not limited to the following:
From whom we collect it (by category of sources):
|
Non-public education information (per the Family Educational Rights and Privacy Act) |
|
Inferences drawn from other personal information | What we collect Including, but not limited to the following:
From whom we collect it (by category of sources)
|
2. Purpose and use of personal information
We collect your personal information for different purposes. For example, we may use it in the following ways:
- to communicate with you and internal parties, on a strict need to know basis, regarding your credit report inquiries and/or complaints;
- to create products and services;
- to update our consumer credit database;
- to verify your identity;
- to prevent fraud and unauthorized disclosures of your personal information;
- to record and demonstrate how we have conducted the dispute and complaint resolution process and arrived at a resolution; and
- to comply with legal requirements, for example, to report on equal employment opportunities.
We describe the purpose for collecting personal information, listed by categories of personal information in the chart below. Please note that a specific piece of personal information may fall into one or more categories of personal information.
Category of Personal Information | Purpose of Collection |
Identifiers and personal information categories listed in the California Customer Records statute |
|
Characteristics of protected classifications under California or federal law |
|
Commercial information |
|
Biometric information |
|
Internet or other similar electronic network activity |
|
Geolocation data |
|
Sensory data |
|
Professional or employment information |
|
Non-public education information (per the Family Educational Rights and Privacy Act) |
|
Inferences drawn from other personal information |
|
3. Disclosing for a business purpose and selling/sharing personal information
In the prior 12 months, we may have sold or shared for a commercial purpose or disclosed for a business purpose your personal information to different third parties, as detailed below.
4. Cookies, pixels, and similar technology
Information collected passively via cookies 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 a client 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. We provide you choices to manage your privacy and selling/sharing in the Cookies Settings section 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. TransUnion’s credit database
We limit access to TransUnion’s consumer credit database and make it available to only the following:
- entities with a permissible purpose to receive it, as defined in the Fair Credit Reporting Act (“FCRA”);
- entities with a permitted use under Title V of the Gramm-Leach-Bliley Act;
- companies who resell our data as permitted under law; and
- companies who process data on our behalf.
Access to information not subject to the FCRA in this database may be provided to companies and other entities for research and other purposes.
Under the FCRA, we may provide information to companies that provide you with pre-approved offers of credit or insurance. If you prefer not to receive such offers, you may opt-out by calling 1-888-5OPTOUT or visiting https://www.optoutprescreen.com.
6. Advertising (cookie-based) opt-out requests
If you prefer to opt out of receiving marketing messages, we recommend that you visit the Association of National Advertisers (ANA) and register on their consumer web site: https://dmachoice.thedma.org/. In addition, you may choose to opt out of digital advertising through the NAI’s Consumer Opt-Out Program, DAA’s Consumer Choice Page, or the European Union/European Economic Area (EU/EEA) Opt-Out. By clicking on the “Opt-Out” links below, you will be directed to the respective third-party website where your computer will be scanned to determine who maintains cookies on you. At that time, you can either choose to opt out of the cookie-based targeted advertising or you can choose to opt out of cookie-based targeted advertising by selecting individual companies who maintain a cookie on your machine.
- Association of National Advertisers opt-out registration
- Network Advertising Initiative (NAI) Opt-Out
- Digital Advertising Alliance (DAA) Opt-Out
- European Union (EU) /European Economic Area (EEA) Opt-Out
Please note that if you delete your cookies or you visit this site using a different device or browser, you will need to repeat the opt-out process outlined above.
7. 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.
8. Securing personal information
We maintain a comprehensive Information Security Program with administrative (policies, standards, and processes), physical, and technical controls to help ensure the security and confidentiality of your information.
9. Personal information of children
TransUnion’s Services are not intended for use by individuals under the age of eighteen (18). 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. If you believe we have collected personal information from individuals under the age of eighteen (18), a parent or guardian may call us for more information about making a data privacy inquiry or request, as described in the “Contact information” section below.
Child ID Theft
We collect, from a child’s parent or guardian, personal information of children to enable a search of our database for any potential activity (i.e. request for a credit report, reporting of data using the minor child’s personal information, dispute submission, etc.). If you are a parent or guardian and want to check if your child may be a victim of identity theft, please visit our Child Identity Theft Inquiry page.
Freeze a child’s report (child 15yrs or younger)
We allow a parent or guardian to freeze the credit report of a minor aged fifteen (15) years or younger. Visit our Protected Consumer Freeze page to learn more.
Sales
We do not knowingly sell personal information of minors under the age of eighteen (18) years.
10. Rights under the Fair Credit Reporting Act (FCRA)
Rights to access your information
You may order your TransUnion Personal Credit Report online at TransUnion.com. However, when you provide information on our website, you should ensure that the information is accurate.
Right to change inaccurate or incomplete information
If you believe that there is an error on your credit report, you may file a dispute here.
Opting-out of email communications
You have the choice to opt out of marketing email communications at any time by using the opt-out provision at the bottom of every email.
11. Consumer 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. 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 the 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. You have the right to appeal a denial of your privacy rights.
To make an opt-out request or to limit our use of your sensitive personal information, 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.
To make a verifiable consumer request or appeal, visit our Consumer Privacy 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’ll need your first and last name, address, date of birth, and the last four digits of your Social Security number. We’ll use that information to verify your identity so we can respond to your request.
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.
- The specific pieces of personal information we collected about you.
To make a verifiable consumer request to know, visit our Consumer Privacy 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 request that we 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 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 page.
Right to be free from discrimination
You have the right to be free from discrimination for exercising any of the 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 on our websites, please visit the Cookies Settings section 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 advertising, 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 advertising, 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. Sensitive personal information includes, but is not limited to, 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, you have the right to appeal by visiting our Consumer Privacy page.
12. Authorized agent
If a consumer is using an authorized agent to submit a consumer privacy request, the following is required:
Using an authorized agent without power of attorney to submit a consumer privacy request. In order to submit a request on behalf of another consumer, an authorized agent without power of attorney must provide one item from each of the two sections below.
- Signed permission from the consumer authorizing the agent to submit the privacy request(s) on their behalf. Describe the type of privacy request(s).
- The consumer must verify their own identity directly with the business by submitting information or documentation that provides sufficient proof of identification, such as:
- a Social Security number or a copy of a social security card issued by the Social Security Administration,
- a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate, or
- a copy of a driver's license, an identification card issued by the motor vehicle administration or any other government issued identification.
Using an authorized agent with power of attorney to submit a consumer privacy request. In order to submit a request on behalf of another consumer, an authorized agent with power of attorney pursuant to California Probate Code sections 4000 to 4465, must provide one item from each of the two sections below.
- The valid power of attorney executed lawfully under California Probate Code sections 4000 to 4465.
- Information or documentation that provides sufficient proof of identification to verify the consumer’s identity, such as:
- a Social Security number or a copy of a social security card issued by the Social Security Administration,
- a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate, or
- a copy of a driver's license, an identification card issued by the motor vehicle administration or any other government issued identification.
Using an authorized agent to submit an opt-out request. In order to submit an opt-out request on behalf of another consumer, please provide written permission, signed by the consumer, authorizing the agent to submit the opt-out request. Please send your letter and documentation to the postal address in the “Contact information” section below.
13. 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.
14. 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:
Phone | |
Postal Mail | TransUnion Data Privacy Request |
15. 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.
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