TransUnion, Trans Union LLC, and TransUnion Interactive, Inc.

On October 12, 2023, the Bureau issued an order against TransUnion, parent company of one of the three nationwide consumer reporting agencies, and two of its subsidiaries, Trans Union LLC, and TransUnion Interactive, Inc. (collectively, TransUnion), which are headquartered in Chicago, Illinois. Security freezes and locks block certain third parties, such as lenders, from accessing consumers’ credit reports to prevent a potential identity thief from obtaining new credit in those consumers’ names.

The Bureau found that TransUnion, from as early as 2003, violated the Fair Credit Reporting Act (FCRA) and the Consumer Financial Protection Act of 2010 (CFPA) by failing to timely place or remove security freezes on the credit reports of consumers who requested them, and the CFPA by failing to timely place or remove locks on the credit reports of consumers who requested them. The Bureau also found that TransUnion violated the CFPA by falsely telling certain consumers that their requests had been successful when they were not. The Bureau further found that from about 2016 to 2020, TransUnion failed to exclude certain consumers, including active-duty military and other potential victims of identity theft, from pre-screened solicitation lists in violation of FCRA. The Bureau’s order required TransUnion to pay $3 million to consumers in redress and $5 million in civil penalties, and to take steps to address and prevent unlawful conduct.

On November 3, 2025, pursuant to the Bureau’s authority under 12 U.S.C. § 5563(b)(3) and Paragraph 133 of the order, the Bureau terminated the order. TransUnion has fulfilled its obligations under the order, including paying a civil money penalty of $5 million to the Bureau as required by Section IX of the order, making redress payments required by Section VIII of the order, and taking steps to implement injunctive relief required by the “Conduct Provisions” of the order to prevent future violations.

Consumer contact information

Consumers with inquiries related to redress under the order may contact TransUnion by toll-free phone at 1-833-415-2754; email at info@securityfreezeredress.com; or mail at TransUnion Security Freeze Redress, C/O Rust Consulting Inc – 8454, PO Box 2742, Faribault, MN 55021-9742. Consumers may also inquire in person at Rust Consulting Inc., For TransUnion Security Freeze Redress – 8454, 920 2nd Ave S Ste 400, Minneapolis, MN 55402.

Consent Order

Stipulation

Consent Order Termination