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TransUnion Reviews, Complaints & Contacts

TransUnion (NYSE: TRU) is one of the three nationwide U.S. credit bureaus, headquartered in Chicago and operating through subsidiaries including Trans Union LLC and TransUnion Interactive, Inc. Regulators have acted against it several times: an FTC order barring the sale of credit-based target-marketing lists, upheld by the D.C. Circuit in 2001; a 2017 CFPB consent order over credit-monitoring marketing; a 2022 CFPB lawsuit alleging that order was violated, dismissed with prejudice by agreement of both sides in 2025; a 2023 CFPB consent order over delayed security freezes, terminated by the CFPB in November 2025; and a 2023 CFPB and FTC court order, entered on allegations the companies neither admitted nor denied, requiring TransUnion's tenant-screening unit and Trans Union LLC to pay $15 million over the accuracy of eviction records in tenant-screening reports. In 2021 the Supreme Court decided TransUnion LLC v. Ramirez, a leading ruling on who may sue for damages under the Fair Credit Reporting Act. In August 2025 TransUnion disclosed a data breach affecting more than 4.4 million people; the class actions that followed are pending in Chicago as MDL No. 3170. 130 published complaint reports are linked to this profile.

REVIEWS & COMPLAINTS130on USAComplaints · none in last 3 yrs · latest 2013
WEBSITEtransunion.com
HEADQUARTERSChicago, IL
PROFILE CHECKED2026-11-06
Submit a Complaint Read reviews & complaints ↓ Official website ↗
VERIFIED

Contacts & Login

PhoneAddress

Customer service & general contact

Cancel, billing & returns

Account & login

Corporate & press

VERIFIED

Locations

  • Headquarters555 W. Adams Street Chicago IL 60661
  • Mailing addressSecurity freeze requests only P.O. Box 160 Woodlyn PA 19094
  • Mailing addressCredit report disputes: TransUnion LLC Consumer Dispute Center P.O. Box 2000 Chester PA 19016
EDITORIAL

Company Information

BBB, CFPB, Trustpilot

Founded
1968
Business type
One of the three nationwide U.S. credit bureaus; the publicly traded parent, TransUnion (NYSE: TRU), also sells credit monitoring, identity protection, fraud prevention, tenant screening, marketing and analytics products
Website
transunion.comSource: Company website, checked 2026-09-28
Headquarters
Chicago, ILSource: SEC EDGAR company record, checked 2026-11-02

TransUnion is a publicly traded company (NYSE: TRU) and one of the three nationwide credit bureaus that lenders, landlords, insurers and employers rely on. The other two are Equifax and Experian. Its credit bureau, Trans Union LLC, is subject to the Fair Credit Reporting Act and is supervised by the Consumer Financial Protection Bureau. You cannot opt out of having a TransUnion file, but you have legal rights over it: a free report every week through AnnualCreditReport.com, a free investigation of anything you dispute, and a free security freeze or fraud alert.

The FTC and the CFPB have taken several actions against TransUnion over marketing, security freezes and tenant-screening reports; the section on FTC and CFPB actions on this page sets out each one and how it ended. When a message about a dispute, freeze, subscription or data breach arrives unexpectedly, do not use its links or numbers; go to transunion.com yourself or call a number TransUnion publishes there.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBBComplaints in the last 3 years
206 reviews · 26,798 complaints · BBB business grade Not Rated · average customer rating 1.11 / 5
CFPBAll complaints in the database
5,219,319 complaints
TrustpilotTrustScore from all reviews on the tui.transunion.com profile
75 reviews · TrustScore 1.7 / 5
EDITORIAL

Complaint Themes

Same error disputed with all three credit bureausIdentity theft or fraudulent accounts appearing on fileTrueCredit / credit-monitoring subscription billing complaintsComplaints that disputed items were not investigated or came back after correction

Themes summarize what people write about most often. One complaint can touch several themes, and some complaints (a positive report, or one later retracted by its author) fit none, so themes are not a count of complaints.

CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 130 historical complaints about TransUnion, published between 2001 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources on this page.

Show 15 more on this page
EDITORIAL

Complaint record: CFPB, BBB and Trustpilot

As one of the three nationwide credit bureaus, TransUnion draws complaints in very large numbers. Each source on this page counts a different group of people over a different period, so the figures are not added together.

  • On this site: 130 published complaint reports are linked to this profile.
  • CFPB Consumer Complaint Database (company name "TransUnion Intermediate Holdings, Inc."): 5,219,319 complaints in total, including 2,319,872 in the last 12 months. The most common issues are incorrect information on a report (2,864,583), improper use of a report (1,211,765) and problems with the company's investigation of an existing dispute (833,071). TransUnion closed most complaints with non-monetary relief (2,929,296) or with an explanation (2,097,911); 605 were closed with monetary relief, and 191,484 are still in progress. Nearly all, 5,218,995, received a timely response. The CFPB publishes complaints without verifying the consumers' accounts.
  • BBB: TransUnion LLC is not BBB accredited, and BBB shows its rating as "NR" (Not Rated). BBB lists 26,798 complaints in the last three years, 10,608 of them in the last 12 months. Separately, BBB customer reviews average 1.11 out of 5 from 206 reviews.
  • Trustpilot: an unclaimed profile for tui.transunion.com with a TrustScore of 1.7 out of 5 from 75 reviews.

Had an experience with TransUnion? Tell other people what happened.

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EDITORIAL

Problem with your TransUnion credit report, a freeze, or a surprise charge? Where to go

Most people deal with TransUnion not by choice but because a lender, landlord, insurer or employer pulled a report it compiled about them. The basic tools are free and run through a TransUnion Service Center account at transunion.com.

  • Wrong information on your report: file a dispute online through the Service Center, call 800-916-8800, or write to TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016 (not the freeze address), and include proof, such as a payoff letter, a court record or an identity theft report. Under the Fair Credit Reporting Act, TransUnion generally must finish its investigation within 30 days (up to 45 in some cases), and an item it cannot verify must be corrected or deleted. You can also dispute directly with the lender or collector that reported the item, and if the investigation does not resolve it, add a brief statement of dispute to your file. A lawsuit under the Act generally must be filed within two years after you discover the violation and no later than five years after it occurred.
  • Freeze or unfreeze your report: free, online, through the automated freeze line at 888-909-8872, or by mail to TransUnion, P.O. Box 160, Woodlyn, PA 19094, with your name, address and Social Security number. By law, a freeze requested online or by phone must be placed within one business day, and a lift within one hour; a mailed request must be handled within three business days of receipt. A TransUnion freeze covers only TransUnion, so freeze Equifax and Experian separately.
  • Identity theft: add a free fraud alert (1 year initial, 7 years extended, or an active-duty military alert); TransUnion passes the alert to Equifax and Experian. An extended alert requires an identity theft report, which you can create at IdentityTheft.gov.
  • A charge for a TransUnion membership: cancel online under Settings, then Membership Details, or call 833-543-4353, and ask for a refund. If charges continue, dispute them with your card issuer in writing within 60 days after the statement showing the charge was sent (Fair Credit Billing Act), or tell your bank within 60 days for a bank-account debit (Electronic Fund Transfer Act).
  • Free reports: all three bureaus give free weekly reports at AnnualCreditReport.com.

If TransUnion does not fix the problem: file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint, which supervises the large credit bureaus and forwards complaints for a response; you can also contact your state attorney general's consumer protection office.

More detailShow less

Report fake messages or impostors using TransUnion's name to the FTC at ReportFraud.ftc.gov. Keep copies of every dispute, the confirmation numbers and TransUnion's written results.

EDITORIAL

FTC and CFPB actions against TransUnion

FTC — sale of "target marketing" lists (resolved 2002). The Federal Trade Commission found that Trans Union sold lists of consumers' names and addresses, selected using credit data, to marketers for purposes other than credit, insurance or employment decisions, which the FTC held was not a permitted use of credit-report data under the Fair Credit Reporting Act. Trans Union challenged the order, including on First Amendment grounds. The U.S. Court of Appeals for the D.C. Circuit upheld the order on April 13, 2001, applying intermediate First Amendment scrutiny, and denied rehearing on October 23, 2001. The Supreme Court declined to hear Trans Union's appeal on June 10, 2002, leaving the FTC's order in place.

CFPB — 2017 consent order on credit-monitoring marketing. On January 3, 2017, the CFPB found that TransUnion and its subsidiaries Trans Union LLC and TransUnion Interactive, Inc. ("TUI") had deceptively marketed credit scores and credit-monitoring subscriptions. The companies consented without admitting or denying the findings. The consent order required $13.93 million in redress and a $3 million civil penalty. The redress was meant for about 700,000 consumers who had been enrolled in a negative-option (automatically renewing) credit-monitoring subscription and cancelled within two billing cycles without receiving a refund. The order also required an affirmative consent checkbox before enrolling anyone in such a subscription, an easy way to cancel, and clear advertising disclosures.

More on regulatorsShow less

CFPB — 2022 lawsuit alleging the 2017 order was violated (dismissed 2025). On April 12, 2022, the CFPB sued TransUnion, Trans Union LLC, TransUnion Interactive, Inc., and TUI's former president John T. Danaher in federal court in Chicago, alleging the companies never actually stopped the practices the 2017 order was meant to end — including enrolling consumers in negative-option credit-monitoring subscriptions without the required consent checkbox, running "FREE" or "$1" credit-score ads that led to a subscription usually costing $16.99 a month, and failing to get proper authorization for preauthorized bank-account transfers under the Electronic Fund Transfer Act. The complaint, amended in May 2023, alleged that Danaher, having concluded that the required consent checkbox reduced enrollments and revenue, instructed TUI to stop using it in affiliate marketing, leading to millions of enrollments that the CFPB said violated the order. On February 28, 2025, the CFPB and all defendants filed a joint stipulation dismissing the case against all defendants with prejudice, each party bearing its own costs and attorneys' fees. A dismissal with prejudice means the CFPB cannot bring these claims again; the allegations were never tried or decided, and the stipulation provides for no payment by either side.

CFPB — 2023 consent order on delayed security freezes and locks (terminated 2025). A separate October 2023 CFPB consent order (File No. 2023-CFPB-0011), to which the respondents consented without admitting or denying its findings, found that TransUnion, Trans Union LLC and TransUnion Interactive, Inc. had, for years, failed to place or remove security freezes and "Locks" (a feature of TransUnion's credit-monitoring and TrueIdentity products) on time, in violation of the Consumer Financial Protection Act and the freeze deadlines in the Fair Credit Reporting Act, and in some cases told consumers a freeze or lock had been placed or removed when it had not. The order traces the problem to two internal databases that could fall "Out of Sync," a backlog that grew sharply after the 2017 Equifax breach drove a spike in freeze requests, and separately to a third-party mail-processing vendor that missed deadlines on roughly 17,000 mailed freeze requests (about 12,000 of them from representatives of "Protected Consumers" — minors or people with a guardian, who could only request a freeze by mail). A coding error also failed to keep about 32,000 consumers with extended fraud alerts or active-duty alerts off prescreened marketing lists, as the law requires. The order required a $5 million civil penalty and $3 million in consumer redress, plus changes to internal systems. On November 3, 2025, the CFPB terminated the consent order, stating that the companies had paid the penalty, made the required redress payments and taken steps to implement the order's conduct provisions; the Bureau also waived any alleged noncompliance with the order.

CFPB and FTC — 2023 court order on tenant-screening reports. On October 12, 2023, the CFPB and the FTC jointly sued TransUnion Rental Screening Solutions, Inc., TransUnion's tenant and employment screening company, and Trans Union LLC in the U.S. District Court for the District of Colorado (case 1:23-cv-02659), filing a stipulated order at the same time. The complaint alleged Fair Credit Reporting Act violations: failing to follow reasonable procedures to ensure the maximum possible accuracy of eviction records in tenant-screening reports, and failing to tell consumers who asked for their files which third-party vendors supplied their criminal and eviction records. In the stipulated order, which the court entered on October 18, 2023, the companies neither admitted nor denied the allegations. The order requires $11 million in consumer redress and a $4 million civil penalty paid to the CFPB, steps to make tenant-screening reports accurate, and complete disclosures to consumers who request their files. The CFPB's case page lists the matter in its post-order stage.

EDITORIAL

Ramirez v. TransUnion (Supreme Court) and the 2025 data-breach lawsuits

Court records

Ramirez v. TransUnion, 594 U.S. 413 (2021). Beginning in 2002, TransUnion sold an add-on product, "OFAC Name Screen Alert," that compared a consumer's first and last name only against the U.S. Treasury's list of suspected terrorists, drug traffickers and other serious criminals, and placed an alert on the credit report if the names matched — producing many false "potential match" flags among law-abiding consumers who happened to share a common name. Named plaintiff Sergio Ramirez was refused a car loan at a Nissan dealership in 2011 after his TransUnion report carried such an alert. A class of 8,185 people sued under the Fair Credit Reporting Act, and the jury awarded more than $60 million in statutory and punitive damages; the Ninth Circuit later approved a class damages award of about $40 million. The Supreme Court held that only the 1,853 class members (including Ramirez) whose flagged reports had actually been sent to a third-party business had suffered the kind of concrete harm needed for standing to sue for damages in federal court; the other 6,332 members, whose misleading file was never disclosed to anyone else, did not. The Court reversed the judgment approving the full-class award and sent the case back for further proceedings. The ruling turned on who has standing to sue for damages, not on whether the alert product itself complied with the law.

More on the lawsuitsShow less

2025 data breach and related litigation. Trans Union LLC reported that unauthorized access occurred on July 28, 2025, through a third-party application used in its U.S. consumer-support operations; its filing with the Maine Attorney General lists 4,461,511 affected people nationwide. TransUnion's notice letters said the exposed information was limited to specific data elements and did not include credit reports or core credit information, and offered 24 months of free credit monitoring. Dozens of proposed class actions followed. On December 16, 2025, the Judicial Panel on Multidistrict Litigation centralized them in the Northern District of Illinois before Judge Robert W. Gettleman as In re Trans Union, LLC, Customer Data Security Breach Litigation, MDL No. 3170. The case is pending, and the claims are allegations that have not been proven.

PUBLIC RECORD

Court & Public Records

Trans Union Corp. v. Federal Trade Commission

Judgment

U.S. Court of Appeals, D.C. CircuitDocket 00-1141Source ↗

Judgment entered

It denied rehearing in a further opinion on October 23, 2001, and the Supreme Court denied review on June 10, 2002, with Justice Kennedy dissenting.

Case details: Trans Union Corp. v. Federal Trade CommissionShow less

The D.C. Circuit upheld the FTC's order barring Trans Union from selling credit-based "target marketing" lists, holding that the lists were consumer reports under the Fair Credit Reporting Act and that the restriction survived intermediate First Amendment scrutiny.

In re: TransUnion — CFPB Consent Order on credit-monitoring marketing

Settled

Consumer Financial Protection Bureau (administrative proceeding)Docket 2017-CFPB-0002Source ↗

Settled

The order required $13,930,000 in redress for about 700,000 consumers, a $3,000,000 civil penalty, affirmative consent before enrollment and an easy way to cancel.

Case details: In re: TransUnion — CFPB Consent Order on credit-monitoring marketingShow less

The CFPB found deceptive marketing of credit scores and negative-option credit-monitoring subscriptions; TransUnion, Trans Union LLC and TransUnion Interactive, Inc. consented without admitting or denying the findings.

Consumer Financial Protection Bureau v. TransUnion, Trans Union LLC, TransUnion Interactive, Inc., and John T. Danaher

Dismissed

U.S. District Court, N.D. IllinoisDocket 1:22-cv-01880Source ↗

Dismissed

On February 28, 2025, all parties filed a joint stipulation dismissing the case with prejudice, each side bearing its own costs; the claims were never tried or decided, and no payment was required.

Case details: Consumer Financial Protection Bureau v. TransUnion, Trans Union LLC, TransUnion Interactive, Inc., and John T. DanaherShow less

The CFPB alleged that the TransUnion companies and John Danaher, former president of TransUnion Interactive, violated the 2017 consent order and the Electronic Fund Transfer Act in marketing credit-monitoring subscriptions.

In the Matter of TransUnion, Trans Union LLC, and TransUnion Interactive, Inc. (security freezes and locks)

Settled

Consumer Financial Protection Bureau, administrative proceedingDocket 2023-CFPB-0011Source ↗

Settled

On November 3, 2025, the CFPB terminated the order, stating that the penalty and redress had been paid and the conduct provisions implemented, and waived any alleged noncompliance.

Case details: In the Matter of TransUnion, Trans Union LLC, and TransUnion Interactive, Inc. (security freezes and locks)Show less

The CFPB found that the companies failed to place or remove security freezes and locks on time, in violation of the Consumer Financial Protection Act and the Fair Credit Reporting Act, and ordered a $5 million civil penalty and $3 million in redress; the companies consented without admitting or denying the findings.

TransUnion LLC v. Ramirez

Appeal decided

Supreme Court of the United StatesDocket 20-297Source ↗

Appeal decided

It reversed the Ninth Circuit's judgment and sent the case back for further proceedings.

Case details: TransUnion LLC v. RamirezShow less

In an FCRA class action over TransUnion's "OFAC Name Screen Alert" flags, the Supreme Court held that only the 1,853 class members whose flagged reports were sent to a business had standing to sue for damages, and the other 6,332 did not.

In re Trans Union, LLC, Customer Data Security Breach Litigation

Filed

U.S. District Court, N.D. Illinois (MDL)Docket MDL No. 3170Source ↗

Filed — no final outcome recorded

The litigation is pending, and the claims are allegations that have not been proven.

Case details: In re Trans Union, LLC, Customer Data Security Breach LitigationShow less

Proposed class actions alleging that personal information was exposed in TransUnion's July 2025 data breach were centralized by the Judicial Panel on Multidistrict Litigation on December 16, 2025, in the Northern District of Illinois before Judge Robert W. Gettleman, who already presided over two of the TransUnion cases.

EDITORIAL

Company background

TransUnion was formed in 1968 as a holding company for the railcar lessor Union Tank Car Company and entered credit reporting the following year by buying the Credit Bureau of Cook County, Illinois. The publicly traded parent, TransUnion (NYSE: TRU), is a Delaware corporation headquartered at 555 West Adams Street in Chicago, according to its SEC filings; from 2012 to 2015 it was registered as TransUnion Holding Company, Inc.

Two subsidiaries matter most to consumers. Trans Union LLC is the credit bureau itself: it keeps the credit file, handles disputes, freezes and fraud alerts, and is the company named in most consumer lawsuits and regulatory actions. TransUnion Interactive, Inc. sells TransUnion's direct-to-consumer products, such as credit-monitoring memberships and the TrueIdentity service. A third, TransUnion Rental Screening Solutions, Inc., sells tenant and employment background reports to landlords and employers.

More company historyShow less

Beyond credit reporting, TransUnion has grown through acquisitions: iovation (device-based fraud prevention) and Callcredit (a UK credit bureau) in 2018; Neustar, which TransUnion called its largest acquisition to date, for $3.1 billion, and Sontiq in 2021; and Verisk Financial Services, including Argus Information and Advisory Services, for $515 million in 2022.

EDITORIAL

Frequently Asked Questions

How do I dispute an error on my TransUnion credit report?

Start a free dispute through your TransUnion Service Center account on TransUnion's credit disputes page, explain exactly which item is wrong and why, and attach proof such as a payoff letter, a court record or an identity theft report; you can track the dispute online. You can also dispute by phone at 800-916-8800 or by mail to TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016, sending copies, not originals, of your documents. Under the Fair Credit Reporting Act, TransUnion generally has 30 days to investigate (up to 45 in some cases) and must correct or delete information that is inaccurate or cannot be verified. If the result does not fix the error, you can dispute directly with the lender or collector that reported it, add a brief statement of dispute to your file, or file a complaint with the CFPB at consumerfinance.gov/complaint.

How do I freeze or unfreeze my TransUnion credit report?

Adding, removing or temporarily lifting a security freeze is free. You can do it online through the TransUnion Service Center, through the automated freeze line at 888-909-8872 (questions: 800-916-8800), or by mailing a written request with your name, address and Social Security number to TransUnion, P.O. Box 160, Woodlyn, PA 19094. By law, an online or phone freeze must be placed within one business day and lifted within one hour; mailed requests are handled within three business days of receipt. A freeze does not affect your credit score. Freezing your TransUnion report does not freeze your Equifax or Experian reports, so contact each bureau separately.

How do I add a fraud alert with TransUnion?

Add it free online through your TransUnion Service Center account. TransUnion offers a 1-year initial alert, a 7-year extended alert for confirmed identity theft victims (it requires an identity theft report, which you can create at IdentityTheft.gov), and an active-duty military alert. You only need to contact one bureau: TransUnion passes the alert to Equifax and Experian. An initial alert entitles you to one free TransUnion credit report and an extended alert to two, and you can remove an alert at any time.

Was I affected by the 2025 TransUnion data breach?

TransUnion mailed notice letters to the people affected. Its filing with the Maine Attorney General says unauthorized access to a third-party application used by its U.S. consumer-support operations began on July 28, 2025, and affected 4,461,511 people. The template letter said the exposed information was limited to specific data elements and did not include credit reports or core credit information, without listing those elements. It offered 24 months of free credit monitoring through myTrueIdentity and fraud help from Cyberscout, a TransUnion company; to use it, enroll with the code printed in your letter before the deadline the letter gives. If you are unsure whether you were affected, contact TransUnion through transunion.com or 800-916-8800 rather than a link in an unexpected email or text. A free credit freeze at all three bureaus is the strongest protection against new accounts opened in your name. The class actions over the breach are pending as MDL No. 3170 in the Northern District of Illinois.

Why was I charged for a TransUnion credit-monitoring subscription I don't remember agreeing to?

Check whether you accepted a "free" or "$1" credit-score offer: in a negative-option offer, the trial turns into a monthly subscription unless you cancel. The CFPB's 2017 consent order found that TransUnion had marketed credit monitoring this way and required it to get affirmative consent for such enrollments and make cancellation easy; a 2022 CFPB lawsuit alleged it kept enrolling people without that consent, but the case was dismissed with prejudice in 2025 without any finding or payment. To stop the charge, cancel online under Settings, then Membership Details, or call 833-543-4353, and ask for a refund of the unwanted months; note the date, the name of the agent and any confirmation number. If TransUnion refuses and you paid by card, dispute the charge in writing with your card issuer within 60 days after the statement showing it was sent; for a bank-account debit, notify your bank within 60 days. You can also file a complaint with the CFPB at consumerfinance.gov/complaint.

What happened to the CFPB cases against TransUnion?

Of the three most recent CFPB matters, two have ended and one court order is still listed in its post-order stage. The CFPB's 2022 lawsuit against TransUnion, Trans Union LLC, TransUnion Interactive, Inc. and former executive John Danaher was dismissed with prejudice by a joint stipulation filed February 28, 2025. The 2023 CFPB consent order over delayed security freezes and locks was terminated on November 3, 2025; the CFPB stated that the companies had paid the $5 million penalty, made the required redress payments and taken steps to implement the order's conduct provisions. The October 2023 federal court order that the CFPB and FTC obtained against TransUnion Rental Screening Solutions and Trans Union LLC over tenant-screening reports ($11 million in redress and a $4 million penalty, on allegations the companies neither admitted nor denied) is listed by the CFPB in its post-order stage, with no termination shown. Separately, the 2025 data-breach class actions are pending as MDL No. 3170 in Chicago.

How do I get a free TransUnion credit report?

Go to AnnualCreditReport.com, the site run jointly by the three bureaus, where you can get free online reports from TransUnion, Equifax and Experian every week. Beware of look-alike sites that ask for a card number: the official site does not charge for these reports. Adding an initial or extended fraud alert also entitles you to additional free TransUnion reports.

What was the Ramirez v. TransUnion Supreme Court case about?

Ramirez v. TransUnion (2021) was a Fair Credit Reporting Act class action over TransUnion's "OFAC Name Screen Alert" product, which had flagged consumers as a "potential match" to a name on the U.S. Treasury's list of suspected terrorists and other serious criminals based only on a first-and-last-name match. A jury awarded the 8,185-member class more than $60 million. The Supreme Court did not decide whether the product complied with the law; it decided who in the class had suffered enough concrete harm to sue for damages. On June 25, 2021, it held that only the 1,853 members whose flagged reports had actually been sent to a business, including named plaintiff Sergio Ramirez, had standing on the claim that TransUnion failed to use reasonable procedures to ensure accuracy, and it sent the case back to the lower courts. The ruling limits who can sue in federal court for damages over credit-file errors that were never shared with anyone.

How do I contact TransUnion?

For disputes, freezes, fraud alerts and questions about your credit report, use the TransUnion Service Center online or call 800-916-8800. The automated freeze line is 888-909-8872, and credit memberships such as Credit Premium are handled at 833-543-4353. Mailed disputes go to TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016; mailed freeze requests go to a different address, TransUnion, P.O. Box 160, Woodlyn, PA 19094. The corporate headquarters is at 555 West Adams Street, Chicago, IL 60661, phone 312-985-2000, according to TransUnion's SEC filings.

What is the difference between a TransUnion fraud alert and a credit freeze?

A fraud alert keeps your report open but tells lenders to verify your identity before opening new credit; a credit freeze blocks most new access to your TransUnion report until you lift it. Both are free. An initial fraud alert lasts one year and an extended alert seven years (it requires an identity theft report), and when you add one at TransUnion, it notifies Equifax and Experian so they add an alert too. A freeze is not passed on: a TransUnion freeze covers only your TransUnion report, so you must also freeze Equifax and Experian yourself. To freeze, use the TransUnion Service Center online, the automated line at 888-909-8872, or mail to TransUnion, P.O. Box 160, Woodlyn, PA 19094. A freeze does not stop your existing creditors from checking your report, and it does not affect your credit score.

Sources (25)

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Public records

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