Trans Union is based in Chicago, Illinois, and is one of the three national credit bureaus, or consumer reporting agencies, in the United States. It currently handles data on approximately 160 million consumers. As a consumer reporting agency, Trans Union receives detailed credit information about millions of American consumers from numerous credit grantors including banks, mortgage companies, credit unions, auto dealers and others. Trans Union compiles this information into consumer reports and sells the reports to credit grantors nationwide.
In addition to its credit reporting business, however, Trans Union also sells a variety of target marketing lists through its subsidiary, Performance Data. Using the consumer information it collects, Trans Union creates lists of the names and addresses of specific categories of consumers and sells them to target marketers who in turn solicit the consumers to purchase goods and services.
*not only are they guilty of selling personal and private information to whomever will pay for it,
They block access to free reports, and drive most internet and phone traffic towards paying a 14.95/month (180/yr) service.
The link provided for free annual credit reports in accordance with the fair credit reporting act (fcra) is annualcreditreport.com, but transunion will not provide any credit information and will link to a broken webpage. They will ask for verification information that is invalid or outdated, all geared with the intention of denying people access to their own reports.
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