Consumer Privacy Rights

Our Summary of Rights page details your rights as a consumer under the federal Fair Credit Reporting Act (FCRA).

Certain information is not covered by state data privacy laws; this varies by state. For example, data collected under the federal Fair Credit Reporting Act (FCRA) for the purposes of credit reporting is not subject to the law. Other exceptions to state privacy laws may include information governed by the Gramm-Leach-Bliley Act (GLBA), Driver's Privacy Protection Act (DPPA) and Health Insurance Portability and Accountability Act (HIPAA).

Parent or Guardian Privacy Opt-Out Request (child under 18 years):

Our services are not intended for use by individuals under the age of eighteen (18). If you believe we have collected personal information from individuals under the age of eighteen (18), a parent or guardian may make a data privacy opt-out request or limit our use of sensitive personal information (subject to limitations and exceptions under applicable law) by calling us 866-310-8783 or by visiting our Opt-Out Request page. 

If you're 18 or older:

If you already have a TransUnion Service Center account, you can log in to submit a data privacy request online, to get a copy of your data privacy report, correct or delete your personal information, or limit how TransUnion processes your personal information. You can also print results of recent data privacy requests and check the status of any data privacy requests that you submitted from your user account. See below if you don’t want to use your account and choose to log in as a guest or call us.

If you don't already have a TransUnion Service Center account and you want to submit data privacy access requests or deletion requests, or you want to opt-out from certain processing or limit how TransUnion processes your personal information:

• You can create a free user account here (if you don’t have an account).
• Alternatively, you can use our guest user option (if you don’t already have an account). If you use our guest user option, you'll receive your results by mail, and you won't be able to see options on this site for other activities beyond data privacy requests.
• You can also call us at 866-310-8783 and submit a request over the phone.

If you want to make a data privacy opt-out request or limit the processing of your personal information and you prefer not to set up or log in to a user account, you can use our opt-out form to submit your request, or call us at 866-310-8783.

As discussed above, the choice you make will impact how you receive information on your results.

TransUnion currently offers a range of data privacy options to US consumers.

If there is no applicable privacy law in your state or if your state’s privacy laws provide more limited options than in other states, TransUnion may process your request in accordance with privacy laws in effect in other states or may choose not to process the request beyond what is required by law in your state.

Opt-out requests are generally processed daily. Data privacy access, correction and deletion requests typically take up to 45 days, but may take as long as 90 days. If we expect the request to take longer than 45 days, we'll let you know.

Depending on how you submit your request, you may receive your results online or by mail. Results won't be emailed. If you request to receive your results online, you'll receive an email letting you know your request is complete. Then you'll need to log in to the TransUnion Service Center to view your results.

We’ll notify you to confirm your request was submitted and to let you know when your results are available. Depending on how you submit your request, you may receive your results online or by mail. Results won't be emailed. If you request to receive your results online, you'll receive an email letting you know your request is complete. Then you'll need to log in to the TransUnion Service Center to view your results.

You can exercise your U.S. consumer data privacy rights with TransUnion through the TransUnion Service Center. Sontiq, Argus Advisory, and Commerce Signals are now TransUnion companies. To exercise your personal data rights with Sontiq, please visit the Sontiq page for data privacy requests. To learn more about how Argus Advisory processes personal data, please visit the Argus Advisory privacy notice page. To learn more about how Commerce Signals processes personal data, please visit the Commerce Signals privacy notice page.

A data privacy report includes specific pieces of personal information TransUnion has received from you and other sources. It will not include credit report information, certain health information, financial information or driving records. Certain other exceptions may also apply.

No. It will not include credit report information, certain health information, financial information or driving records. Certain other exceptions may also apply.

Yes. The data privacy report does not include information about your credit activity.

If you want to opt out of having TransUnion sell/share the information that’s found in your data privacy report, you can start an opt-out request online or by calling us at 833-395-6938.

If you see something inaccurate, you will have an opportunity to delete data by proceeding with a correction request through the TransUnion Service Center. Log in here or create an account to get started. If you do not want to create a user account, you can submit your request as a guest. You can also call us to make a request at 866-310-8783. For phone requests, please allow sufficient time for us to verify your identity and locate your information.

Hours:

Monday – Friday 8am – 9 pm Eastern Time

Saturday – Sunday 8am – 5pm Eastern Time

Under some state laws, you can make up to two data privacy access requests in a 12-month period.

You can request to delete certain information that TransUnion has about you. However, exceptions apply. For instance, data collected under the federal Fair Credit Reporting Act (FCRA) for the purposes of credit reporting can’t be deleted. Other exceptions include, but are not limited to, information governed by the Gramm-Leach-Bliley Act (GLBA), Driver’s Privacy Protection Act (DPPA) and Health Insurance Portability and Accountability Act (HIPAA).

Your TransUnion user account will remain active if you choose to delete your personal information. This ensures we are still able to provide services to you, including the ability to start other data privacy related requests.

An opt-out request limits how TransUnion processes your personal information. A deletion request is a request that TransUnion delete the personal information TransUnion has about you.

You aren't able to delete your credit report with TransUnion. However, you can dispute credit report information if you believe it to be inaccurate. Visit https://www.transunion.com/credit-disputes/dispute-your-credit for more information.

You can delete any information on your data privacy report that is not exempt from deletion under the law.

Data privacy requests apply only to certain data elements. You won't be able to delete your credit report with TransUnion. However, you can dispute credit report information if you believe it to be inaccurate.

Visit transunion.com/dispute for more information.

There is no option to opt out of TransUnion selling/sharing specific pieces of information. If you choose to opt out of the sale/sharing of data, this change will apply to all information found on your data privacy report.

Your data privacy opt-out choices include:

• Opt out of the sale/sharing of my personal information: This limits the sale of information from TransUnion to third parties.
• Opt out for cross-context behavioral advertising/targeted advertising: This option limits the processing of personal information related to certain targeted types of advertising.
• Opt out of automated decision-making/profiling: This limits the processing of personal information relating to certain automated decision-making, including profiling (for example: profiling in furtherance of decisions that produce legal or similarly significant effects). This option won’t affect our ability to provide a credit score.
• Limit use of my sensitive personal information: This limits processing of some “sensitive” personal information we may have about you. Depending on your state’s laws, sensitive personal information may include SSN, government ID information and certain biometric personal information.
• Opt out of cookies: This limits the sharing of information through certain analytics and advertising cookies on our website. Please visit our cookie opt-out page to exercise this option.

Additional opt outs: If you submit requests for any data privacy opt out on this website, in some cases TransUnion may also complete additional opt outs beyond the type(s) you requested or we may delete your information. For example, if you request to opt out of targeted advertising, then with respect to some of your data TransUnion may also opt out your data from processing activities related to one or more of the other types of opt out.

Some opt-out activity may affect product offerings available to you from TransUnion and TransUnion partner companies. For example, some opt out actions may cause you to no longer receive certain personalized offers from TransUnion and/or TransUnion partner companies.

Differences by state: TransUnion may process your request differently based on the laws in the state you selected, and may not process your request at all if there is not applicable state law.

Opting out doesn't impact credit reporting, which is governed by the federal Fair Credit Reporting Act (FCRA). Even if you opt out, you'll be able to apply for new loans, such as a mortgage or personal loan. Your credit report information will be retained and may be shared to ensure you can continue to access the opportunities credit can provide.

Data privacy options provided by TransUnion will not limit processing activities allowed under the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), Driver's Privacy Protection Act (DPPA) or Health Insurance Portability and Accountability Act (HIPAA).