Privacy Center
Privacy Notices
Trans Union LLC Privacy Notice
Effective Date: 10/30/2020
Last Updated: 12/01/2021
Neustar and Sontiq are now TransUnion companies. To learn how Neustar handles personal information about you and the rights you may have regarding that personal information, please visit the Neustar Privacy Center. To learn how Sontiq handles personal information about you and the rights you may have regarding that personal information, please visit the Sontiq Privacy Center.
We have recently updated our Privacy Notice. Be sure to review the notice carefully to understand our privacy practices.
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 table chart describes the categories of personal information we may have collected in the past 12 months, listed by category of sources.
As an information solutions provider, we collect different types of personal information about you from various sources. The below table chart describes the categories of personal information we have collected in the past 12 months, listed by category of sources.
Category of Personal Information |
Personal information we collect |
Identifiers |
What we collect
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)
|
Protected classification characteristics 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 |
What we collect Including, but not limited to the following:
From whom we collect it (by category of sources)
Why we collect it (purpose and use of the personal information)
|
Internet or other similar 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 |
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 the your credit report inquires and/or complaints;
- 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 where required by law.
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 |
|
Protected classification characteristics under California or federal law |
|
Commercial information |
|
Biometric |
|
Internet or other similar network activity |
|
Geolocation data |
|
Sensory data |
|
Professional or employment |
|
Non-public education information (per the Family Educational Rights and Privacy Act) |
We do not collect this information. |
Inferences drawn from other personal information |
|
3. Sharing your personal information
We share your personal information with different third parties. We describe the third parties to whom we share or sell your personal information, listed by categories of personal information below. Please note that a specific piece of personal information may fall into one or more categories of personal Information.
Category of Personal Information |
Sold during the prior 12 months, by category of third parties |
Disclosed for a business purpose during the prior 12 months, by category of third parties |
Identifiers and Personal information categories listed in the California Customer Records statute |
|
|
Protected classification characteristics under California or federal law |
|
|
Commercial information |
|
|
Biometric |
We do not sell this category of personal information |
|
Internet or other similar network activity |
|
|
Geolocation data |
|
|
Sensory data |
We do not sell this category of personal information. |
We do not disclose this category of personal information for a business purpose. |
Professional or employment |
|
|
Inferences drawn from other Personal Information |
|
|
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 cookies. Most web browsers give you a choice to modify your browser settings to decline some or all cookies. We provide you choices to manage your privacy and sharing. 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 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). 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 all targeted advertising or you can choose to opt out of targeted advertising by selecting individual companies who maintain a cookie on your machine.
- Association of National Advertisers opt-out registration - https://dmachoice.thedma.org/
- Network Advertising Initiative (NAI) Opt-Out - https://www.networkadvertising.org/managing/opt_out.asp
- Digital Advertising Alliance (DAA) Opt-Out - https://optout.aboutads.info
- European Union (EU) /European Economic Area (EEA) Opt-Out - http://www.youronlinechoices.eu
Please note that if you delete your cookies, 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 your personal information
We maintain a comprehensive Information Security Program with administrative (policies, standards, and processes), physical, and technical controls to ensure the security and confidentiality of your information.
9. Personal information of Children
Child ID Theft
We collect personal information of children to enable a search of our database for any potential activity (i.e. request for a product 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 15 or younger. Visit our Protected Consumer Freeze page to learn more.
Sales
We do not sell personal information of minors under the age of 16.
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 email communications at any time by using the opt-out provision at the bottom of every email.
11. California Privacy Rights
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA).
Right to know
You have the right to request a disclosure of the personal information collected, sold, and shared about you over the past 12 months and the purpose for doing so. 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 the personal Information.
- The categories of third parties with whom we share personal Information.
- The specific pieces of personal information we collected about you.
The categories of personal information that we sold in the preceding 12 months, and for each category identified, the categories of third parties to which we sold that particular category of personal information. The categories of personal information that we disclosed for a business purpose in the preceding 12 months, and for each category identified, the categories of third parties with whom we disclosed that particular category of personal information.
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.
To make a verifiable consumer request to know, visit our California Consumer Privacy Act 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 deletion
If we collected personal information from you, you have the right to request the deletion of this personal information.
To make a verifiable consumer request to delete, visit our California Consumer Privacy Act 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 be free from discrimination
You have the right to be free from discrimination for exercising any of the California consumer privacy rights. If you choose to exercise any of your CCPA 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 of personal information
You have the right, at any time, to direct a business that sells your personal information to third parties to not sell your personal Information. If you would like to exercise this right, visit our “Do not sell my personal information” page.
12. Authorized agent
If a consumer is using an authorized agent to submit a CCPA privacy request to know (disclosure report) or delete their personal information, the following is required.
Using an authorized agent without power of attorney to submit a request to know or delete
- Signed permission from the consumer authorizing the agent to submit the CCPA privacy request(s) on their behalf. Describe the type of privacy request(s) being requesting (know/disclosure report and/or deletion).
- 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 request to know or delete
If you have provided the authorized agent with power of attorney pursuant to California Probate Code sections 4000 to 4465, provide only the following:
- the valid power of attorney executed lawfully under California Probate Code sections 4000 to 4465.
Using an authorized agent to submit an opt-out request
- written permission, signed by the consumer, authorizing the agent to submit the opt-out request.
Please send your letter and documentation to the following address:
TransUnion Data Privacy Request
P.O. Box 130
Woodlyn, PA 19094
13. 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:
All Locations
Phone |
1-866-310-8783 |
Postal Mail |
Please send your letter and documentation to the following address: |
14. Notice changes and effective date
We may periodically make changes to this Notice and recommend that you check back to review this Notice so that you always know how we collect, use, and share your personal information. The effective date denotes the date that we publish this Notice to our online services.
There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.
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