TransUnion

TransUnion is a global information and insights company and one of the three major credit reporting agencies in the United States, alongside Equifax and Experian. Headquartered in Chicago, Illinois, it maintains credit information on hundreds of millions of consumers and provides risk assessment and decision-support services to lenders and other businesses.

The company offers consumer credit reports and credit scores, as well as fraud detection, identity protection, credit monitoring, and data analytics for lenders, insurers, retailers, and telecoms. It also provides marketing and analytical services that help business partners assess credit risk and tailor offerings.

TransUnion operates in more than 30 countries through subsidiaries and regional offices, with a presence across North America, Europe, Latin America, and Asia-Pacific. It sources data from a wide range of furnishers, including banks, credit card issuers, utility companies, and other service providers, and applies analytics to produce risk insights for clients and tailored products for consumers.

Regulation and privacy are central to its operations. As a credit reporting agency, TransUnion is subject to consumer reporting laws in the jurisdictions where it operates, such as the Fair Credit Reporting Act in the United States. Consumers generally have rights to access their reports, dispute inaccuracies, and obtain periodic disclosures. In the United States, free annual credit reports from the major bureaus are available through AnnualCreditReport.com.