TransUnion

<h2 id="history">History</h2>
TransUnion was originally formed in 1968 as a holding company for <a href="/facts/Union_Tank_Car_Company/5u0pSjVI">Union Tank Car Company</a>, making TransUnion a <a href="/facts/Successors_of_Standard_Oil/1LyHReWv">descendant of Standard Oil</a> through Union Tank Car Company.<a class="footnote-ref" id="fnref:7" href="#fn:7">7</a> The following year, it acquired the Credit Bureau of Cook County, which possessed and maintained 3.6 million credit accounts.<a class="footnote-ref" id="fnref:8" href="#fn:8">8</a> In 1981, a Chicago-based holding company, The <a href="/facts/Marmon_Group/rs2YY8JY">Marmon Group</a>, acquired TransUnion for approximately $688 million.<a class="footnote-ref" id="fnref:9" href="#fn:9">9</a><a class="footnote-ref" id="fnref:10" href="#fn:10">10</a>
In 2010, <a href="/facts/Goldman_Sachs_Capital_Partners/vUA9SoKM">Goldman Sachs Capital Partners</a> and <a href="/facts/Advent_International/TFlWxJXD">Advent International</a> acquired it from <a href="/facts/Madison_Dearborn_Partners/hkWuoSq2">Madison Dearborn Partners</a>.<a class="footnote-ref" id="fnref:11" href="#fn:11">11</a> In 2014, TransUnion acquired <a href="/facts/Hank_Asher/veHnRnMN">Hank Asher</a>'s data company TLO.<a class="footnote-ref" id="fnref:12" href="#fn:12">12</a> On June 25, 2015, TransUnion became a publicly traded company for the first time, trading under the symbol TRU.
TransUnion eventually began to offer products and services for both businesses and consumers. For businesses, TransUnion updated its traditional credit score offering to include trended data that helps predict consumer repayment and debt behavior. This product, referred to as CreditVision, launched in October 2013.<a class="footnote-ref" id="fnref:13" href="#fn:13">13</a>
Its SmartMove™ service facilitates credit and background checks for landlords. The service also provides credit and background checks for partner companies, such as RentSpree. 
In September 2013, the company acquired eScan Data Systems of <a href="/facts/Austin%2c_Texas/xpVP4t98">Austin, Texas</a>, to provide post-service eligibility determination support to hospitals and healthcare systems. The technology was integrated into TransUnion's ClearIQ platform, which tracks patients demographic and insurance related information to support benefit verification.<a class="footnote-ref" id="fnref:14" href="#fn:14">14</a>
In November 2013, TransUnion acquired TLO LLC, a company that <a href="/facts/Information_broker/HJgFMDdL">leverages data</a> in support of its investigative and risk management tools. Its TLOxp technology aggregates data sets and uses a proprietary algorithm to uncover relationships between data. TLOxp also allows licensed investigators and law enforcement professionals to access personally identifiable information from credit header data.<a class="footnote-ref" id="fnref:15" href="#fn:15">15</a>
In 2014, a TransUnion analysis found that reporting rental payment information to credit bureaus can positively affect credit scores. As a result, TransUnion initiated a service called ResidentCredit, making it easy for property owners to report data about their tenants on a monthly basis. These reports include the amount each tenant pays, the timeliness of their last payment, and any remaining balance the tenant currently owes. As a result, some companies have started reporting rent payment information to TransUnion.
In 2015, TransUnion acquired Trustev, a digital verification company specializing in online fraud for $21 million, minus debts.<a class="footnote-ref" id="fnref:16" href="#fn:16">16</a>
In 2017, TransUnion acquired FactorTrust, a consumer reporting agency specializing in alternative credit data.<a class="footnote-ref" id="fnref:17" href="#fn:17">17</a><a class="footnote-ref" id="fnref:18" href="#fn:18">18</a>
In mid-April 2018, TransUnion announced it intended to buy UK-based CallCredit Information Group for $1.4 billion,<a class="footnote-ref" id="fnref:19" href="#fn:19">19</a> subject to regulatory approval.
In December 2021, TransUnion completed the acquisitions of <a href="/facts/Neustar/o0LI8NIm">Neustar</a>,<a class="footnote-ref" id="fnref:20" href="#fn:20">20</a> initially announced in September 2021 for $3.1 billion,<a class="footnote-ref" id="fnref:21" href="#fn:21">21</a> and Sontiq which included <a href="/facts/IdentityForce/XgaRB5Lb">IdentityForce</a>,<a class="footnote-ref" id="fnref:22" href="#fn:22">22</a> initially announced in October 2021 for $638 million.<a class="footnote-ref" id="fnref:23" href="#fn:23">23</a>
In February 2023, TransUnion announced it was rebranding its "thousands of existing B2B products into seven business lines."<a class="footnote-ref" id="fnref:24" href="#fn:24">24</a> These include: TruAudience, TruValidate, TruContact (all based on former offerings from Neustar), TruVision, TruIQ, TruEmpower, and TruLookup.<a class="footnote-ref" id="fnref:25" href="#fn:25">25</a>
In January 2025, TransUnion has been observed in buying a majority stake in its Mexican arm in a deal worth around $560 million. TransUnion's stake in Trans Union de Mexico is said to be shot up around 94%, from a current 26%. <a class="footnote-ref" id="fnref:26" href="#fn:26">26</a>

<h2 id="legal-and-regulatory-issues">Legal and regulatory issues</h2>
In 2003, Judy Thomas of <a href="/facts/Klamath_Falls%2c_Oregon/Rsgu9Gnp">Klamath Falls, Oregon</a>, was awarded $5.3 million in a successful lawsuit against TransUnion. The award was made on the grounds that it took her six years to get TransUnion to remove incorrect information in her credit report.<a class="footnote-ref" id="fnref:27" href="#fn:27">27</a>
In 2006, after spending two years trying to correct erroneous credit information that resulted from being a victim of identity theft, a fraud victim named Sloan filed suit against all three of the US's largest credit agencies. TransUnion and <a href="/facts/Experian/nK6fLW00">Experian</a> settled out of court for an undisclosed amount. In Sloan v. <a href="/facts/Equifax/a7Wykshk">Equifax</a>, a jury awarded Sloan $351,000. "She wrote letters. She called them. They saw the problem. They just didn't fix it," said her attorney, A. Hugo Blankingship III.<a class="footnote-ref" id="fnref:28" href="#fn:28">28</a>
TransUnion has also been criticized for concealing charges. Many users complained of not being aware of a $17.95/month charge for holding a TransUnion account.<a class="footnote-ref" id="fnref:29" href="#fn:29">29</a>
In March 2015, following a settlement with the New York Attorney-General, TransUnion, along with other credit reporting companies, <a href="/facts/Experian/nK6fLW00">Experian</a> and <a href="/facts/Equifax/a7Wykshk">Equifax</a>, agreed to help consumers with errors and red flags on credit reports. Under the new settlement, credit-reporting firms are required to use trained employees to respond when a consumer flags a mistake on their file. These employees are responsible for communicating with the lender and resolving the dispute.<a class="footnote-ref" id="fnref:30" href="#fn:30">30</a>
In January 2017, TransUnion was fined $5.5 million and ordered to pay $17.6 million in restitution, along with <a href="/facts/Equifax/a7Wykshk">Equifax</a>, by the <a href="/facts/Consumer_Financial_Protection_Bureau/4KHBXSpX">Consumer Financial Protection Bureau (CFPB)</a>. The federal agency fined the companies "for deceiving consumers about the usefulness and actual cost of credit scores they sold to consumers". The CFPB also said the companies "lured consumers into costly recurring payments for credit-related products with false promises".<a class="footnote-ref" id="fnref:31" href="#fn:31">31</a>
In June 2017, a California jury ruled against TransUnion with a $60 million verdict in the largest <a href="/facts/Fair_Credit_Reporting_Act/CAl8je47">Fair Credit Reporting Act</a> (FCRA) verdict in history.<a class="footnote-ref" id="fnref:32" href="#fn:32">32</a>
The San Francisco federal court jury awarded $60 million in damages to consumers who were falsely reported on a government list of terrorists and other security threats. The plaintiffs' team of attorneys at Francis & Mailman, P.C. partnered with another California-based firm in the class action.
Credit bureaus had the most complaints of all companies filed with the CFPB by consumers in 2018, with 34% of all complaints directed at TransUnion, Equifax, and Experian that year.<a class="footnote-ref" id="fnref:33" href="#fn:33">33</a> Following up on the 2017 FCRA ruling, in April 2022, the Consumer Financial Protection Bureau (CFPB) said TransUnion is "incapable of operating its businesses lawfully".<a class="footnote-ref" id="fnref:34" href="#fn:34">34</a>

<h2 id="security-issues">Security issues</h2>
On 13 October 2017, the website for TransUnion's Central American division was reported to have been redirecting visitors to websites that attempted <a href="/facts/Drive-by_download/HzFIzd4h">drive-by downloads</a> of malware disguised as <a href="/facts/Adobe_Flash/3Lrp9JuH">Adobe Flash</a> updates.<a class="footnote-ref" id="fnref:35" href="#fn:35">35</a><a class="footnote-ref" id="fnref:36" href="#fn:36">36</a> The attack had been performed by hijacking third-party <a href="/facts/Web_analytics/F79UAMvw">analytics</a> <a href="/facts/JavaScript/XhhIIEsl">JavaScript</a> from <a href="/facts/Digital_River/PFwDWrRv">Digital River</a> brand FireClick.<a class="footnote-ref" id="fnref:37" href="#fn:37">37</a><a class="footnote-ref" id="fnref:38" href="#fn:38">38</a>
On 17 March 2022, TransUnion South Africa disclosed that hackers breached one of their servers and allegedly stole data of 54 million customers, demanding a ransom to not release it, the group N4ughtysecTU claims responsibility.<a class="footnote-ref" id="fnref:39" href="#fn:39">39</a>

<h2 id="see-also">See also</h2>
<ul><li><a href="/facts/Equifax/a7Wykshk">Equifax</a></li>
<li><a href="/facts/Experian/nK6fLW00">Experian</a></li>
<li><a href="/facts/TransUnion_Canada/cvLkEllP">TransUnion Canada</a></li>
<li><a href="/facts/TransUnion_CIBIL/oJrJoH48">TransUnion CIBIL</a></li></ul>

<h2 id="external-links">External links</h2>
<ul><li><a href="https://www.transunion.com/">Official website</a> </li>
<li></li>
<li>Business data for TransUnion: <ul><li><a href="https://www.google.com/finance/quote/TRU">Google</a></li><li><a href="https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TRU">SEC filings</a></li><li><a href="https://finance.yahoo.com/quote/TRU">Yahoo!</a></li></ul></li></ul>

<h2 id="references">References</h2>

<ol>
<li id="fn:1">"Customer Credit Check | TransUnion". TransUnion. Retrieved 2017-09-23. <a href="https://www.transunion.com/solution/customer-credit-check" target="_blank">https://www.transunion.com/solution/customer-credit-check</a> <a href="#fnref:1" class="footnote-back-ref">↩</a></li>
<li id="fn:2">"Global Presence | A Powerful, Global Force | TransUnion". TransUnion. Retrieved 2017-09-23. <a href="https://www.transunion.com/global-presence" target="_blank">https://www.transunion.com/global-presence</a> <a href="#fnref:2" class="footnote-back-ref">↩</a></li>
<li id="fn:3">"TransUnion SEC Filing (2014)". SEC. Retrieved 13 May 2015. <a href="https://www.sec.gov/Archives/edgar/data/1552033/000119312515112386/d867590ds1.htm" target="_blank">https://www.sec.gov/Archives/edgar/data/1552033/000119312515112386/d867590ds1.htm</a> <a href="#fnref:3" class="footnote-back-ref">↩</a></li>
<li id="fn:4">"How to protect yourself against the theft of your identity". The Economist. 14 September 2017. Retrieved 15 September 2017. <a href="https://www.economist.com/news/finance-and-economics/21728955-top-tip-keep-eye-your-bank-and-credit-card-statements-how-protect" target="_blank">https://www.economist.com/news/finance-and-economics/21728955-top-tip-keep-eye-your-bank-and-credit-card-statements-how-protect</a> <a href="#fnref:4" class="footnote-back-ref">↩</a></li>
<li id="fn:5">"Free Credit Reports". Consumer Information. 2013-03-26. Retrieved 2017-09-23. <a href="https://www.consumer.ftc.gov/articles/0155-free-credit-reports" target="_blank">https://www.consumer.ftc.gov/articles/0155-free-credit-reports</a> <a href="#fnref:5" class="footnote-back-ref">↩</a></li>
<li id="fn:6">"TransUnion - Competing with Data Giants". <a href="https://digital.hbs.edu/platform-digit/submission/transunion-competing-with-data-giants/" target="_blank">https://digital.hbs.edu/platform-digit/submission/transunion-competing-with-data-giants/</a> <a href="#fnref:6" class="footnote-back-ref">↩</a></li>
<li id="fn:7">Gupta, Rohit (2018-12-06). Reward and Donation Crowdfunding: A Complete Guide for Emerging Startups. Notion Press. ISBN 978-1-68466-089-6. <a href="978-1-68466-089-6" target="_blank">978-1-68466-089-6</a> <a href="#fnref:7" class="footnote-back-ref">↩</a></li>
<li id="fn:8">O'Connell, Brian (13 March 2019). "What Are the Three Credit Bureaus and Why Do They Matter?". TheStreet. Retrieved 2020-06-09. <a href="https://www.thestreet.com/personal-finance/education/three-credit-bureaus-14878504" target="_blank">https://www.thestreet.com/personal-finance/education/three-credit-bureaus-14878504</a> <a href="#fnref:8" class="footnote-back-ref">↩</a></li>
<li id="fn:9">Marmon Group <a href="/wiki/Marmon_Group" target="_blank">/wiki/Marmon_Group</a> <a href="#fnref:9" class="footnote-back-ref">↩</a></li>
<li id="fn:10">Cunningham, Lawrence (21 October 2014). Book: All One." Berkshire beyond Buffett: The Enduring Value of Values, . New York Columbia Business School. ISBN 978-0231170048. <a href="978-0231170048" target="_blank">978-0231170048</a> <a href="#fnref:10" class="footnote-back-ref">↩</a></li>
<li id="fn:11">"Advent and Goldman to buy TransUnion in $3B Deal". New York Times. 17 February 2012. Retrieved 13 May 2015. <a href="https://dealbook.nytimes.com/2012/02/17/advent-and-goldman-to-buy-transunion-in-3-billion-deal/?_r=1" target="_blank">https://dealbook.nytimes.com/2012/02/17/advent-and-goldman-to-buy-transunion-in-3-billion-deal/?_r=1</a> <a href="#fnref:11" class="footnote-back-ref">↩</a></li>
<li id="fn:12">"TransUnion buys TLO - South Florida Business Journal<". www.bizjournals.com. Retrieved 2020-06-09. <a href="https://www.bizjournals.com/southflorida/print-edition/2013/11/29/transunion-buys-tlo.html" target="_blank">https://www.bizjournals.com/southflorida/print-edition/2013/11/29/transunion-buys-tlo.html</a> <a href="#fnref:12" class="footnote-back-ref">↩</a></li>
<li id="fn:13">Gupta, Rohit (2018-12-06). Reward and Donation Crowdfunding: A Complete Guide for Emerging Startups. Notion Press. ISBN 978-1-68466-089-6. <a href="978-1-68466-089-6" target="_blank">978-1-68466-089-6</a> <a href="#fnref:13" class="footnote-back-ref">↩</a></li>
<li id="fn:14">"TransUnion acquires Austin's eScan Data Systems – Austin Business Journal". Austin Business Journal. Retrieved 2015-12-14. <a href="https://www.bizjournals.com/austin/news/2013/09/24/transunion-acquires-austins-escan.html" target="_blank">https://www.bizjournals.com/austin/news/2013/09/24/transunion-acquires-austins-escan.html</a> <a href="#fnref:14" class="footnote-back-ref">↩</a></li>
<li id="fn:15">"Court gives approval for TransUnion-TLO merger". Venture Capital Post. 2013-11-23. Retrieved 2015-12-14. <a href="http://www.vcpost.com/articles/18598/20131123/court-gives-approval-transunion-tlo-merger.htm" target="_blank">http://www.vcpost.com/articles/18598/20131123/court-gives-approval-transunion-tlo-merger.htm</a> <a href="#fnref:15" class="footnote-back-ref">↩</a></li>
<li id="fn:16">"Form 8-K". www.sec.gov. 2015-12-09. Retrieved 2020-08-29. <a href="https://www.sec.gov/Archives/edgar/data/1552033/000155203319000010/transunion-20181231x10k.htm" target="_blank">https://www.sec.gov/Archives/edgar/data/1552033/000155203319000010/transunion-20181231x10k.htm</a> <a href="#fnref:16" class="footnote-back-ref">↩</a></li>
<li id="fn:17">"TransUnion acquires FactorTrust". Auto Remarketing. 2017-11-15. Retrieved 2020-05-21. <a href="https://www.autoremarketing.com/subprime/transunion-acquires-factortrust" target="_blank">https://www.autoremarketing.com/subprime/transunion-acquires-factortrust</a> <a href="#fnref:17" class="footnote-back-ref">↩</a></li>
<li id="fn:18">"Document". www.sec.gov. Retrieved 2020-05-21. <a href="https://www.sec.gov/Archives/edgar/data/1552033/000155203319000010/transunion-20181231x10k.htm" target="_blank">https://www.sec.gov/Archives/edgar/data/1552033/000155203319000010/transunion-20181231x10k.htm</a> <a href="#fnref:18" class="footnote-back-ref">↩</a></li>
<li id="fn:19">"TransUnion to buy UK-based Callcredit for $1.4 billion". Reuters. 20 April 2018. Retrieved 2018-04-20. <a href="https://www.reuters.com/article/us-callcredit-m-a-transunion/transunion-to-buy-uk-based-callcredit-for-1-4-billion-idUSKBN1HR1MB" target="_blank">https://www.reuters.com/article/us-callcredit-m-a-transunion/transunion-to-buy-uk-based-callcredit-for-1-4-billion-idUSKBN1HR1MB</a> <a href="#fnref:19" class="footnote-back-ref">↩</a></li>
<li id="fn:20">"TransUnion and Neustar Announce Transaction Close". GlobeNewswire (Press release). 2021-12-01. Retrieved 2023-04-15. <a href="https://www.globenewswire.com/news-release/2021/12/01/2344146/0/en/TransUnion-and-Neustar-Announce-Transaction-Close.html" target="_blank">https://www.globenewswire.com/news-release/2021/12/01/2344146/0/en/TransUnion-and-Neustar-Announce-Transaction-Close.html</a> <a href="#fnref:20" class="footnote-back-ref">↩</a></li>
<li id="fn:21">"TransUnion to buy Neustar for $3.1bn". PE Hub. 2021-09-13. Retrieved 2023-04-15. <a href="https://www.pehub.com/transunion-to-buy-neustar-for-3-1bn/" target="_blank">https://www.pehub.com/transunion-to-buy-neustar-for-3-1bn/</a> <a href="#fnref:21" class="footnote-back-ref">↩</a></li>
<li id="fn:22">"TransUnion Completes Acquisition of Sontiq". GlobeNewswire (Press release). 2021-12-01. Retrieved 2023-04-15. <a href="https://www.globenewswire.com/news-release/2021/12/01/2344558/0/en/TransUnion-Completes-Acquisition-of-Sontiq.html" target="_blank">https://www.globenewswire.com/news-release/2021/12/01/2344558/0/en/TransUnion-Completes-Acquisition-of-Sontiq.html</a> <a href="#fnref:22" class="footnote-back-ref">↩</a></li>
<li id="fn:23">"TransUnion Acquires Identity Security Company Sontiq for $638 Million". SecurityWeek. 2021-10-27. Retrieved 2023-04-15. <a href="https://www.securityweek.com/transunion-acquires-identity-security-company-sontiq-638-million/" target="_blank">https://www.securityweek.com/transunion-acquires-identity-security-company-sontiq-638-million/</a> <a href="#fnref:23" class="footnote-back-ref">↩</a></li>
<li id="fn:24">"TransUnion Announces Rebrand of its Business Solutions with Focus on Providing a Tru™ Picture of Consumers". GlobeNewswire (Press release). 2022-02-21. Retrieved 2023-04-15. <a href="https://www.globenewswire.com/en/news-release/2023/02/21/2612088/0/en/TransUnion-Announces-Rebrand-of-its-Business-Solutions-with-Focus-on-Providing-a-Tru-Picture-of-Consumers.html/" target="_blank">https://www.globenewswire.com/en/news-release/2023/02/21/2612088/0/en/TransUnion-Announces-Rebrand-of-its-Business-Solutions-with-Focus-on-Providing-a-Tru-Picture-of-Consumers.html/</a> <a href="#fnref:24" class="footnote-back-ref">↩</a></li>
<li id="fn:25">"TransUnion Rebrands Business Solutions". Finovate. 2022-02-21. Retrieved 2023-04-15. <a href="https://finovate.com/transunion-rebrands-business-solutions/" target="_blank">https://finovate.com/transunion-rebrands-business-solutions/</a> <a href="#fnref:25" class="footnote-back-ref">↩</a></li>
<li id="fn:26">"TransUnion buys out banks in Mexican credit bureau arm in $560 million deal". January 16, 2025. <a href="https://www.reuters.com/markets/deals/banco-santander-mexico-sell-stake-transunion-mexico-2025-01-16/" target="_blank">https://www.reuters.com/markets/deals/banco-santander-mexico-sell-stake-transunion-mexico-2025-01-16/</a> <a href="#fnref:26" class="footnote-back-ref">↩</a></li>
<li id="fn:27">Block, Sandra. "Fixing errors in credit report is no small task", USA Today, 2005-08-27. <a href="https://www.usatoday.com/money/perfi/credit/2005-09-27-credit-report-usat_x.htm" target="_blank">https://www.usatoday.com/money/perfi/credit/2005-09-27-credit-report-usat_x.htm</a> <a href="#fnref:27" class="footnote-back-ref">↩</a></li>
<li id="fn:28">Baldas, Tresa. "Consumer Lawsuits Against Credit Bureaus Are Multiplying", The National Law Journal, 2006-08-16. <a href="http://www.law.com/jsp/article.jsp?id=1155648410038" target="_blank">http://www.law.com/jsp/article.jsp?id=1155648410038</a> <a href="#fnref:28" class="footnote-back-ref">↩</a></li>
<li id="fn:29">"Top 604 Reviews and Complaints about TransUnion". ConsumerAffairs. Retrieved 13 October 2017. <a href="http://www.consumeraffairs.com/privacy/transunion.html" target="_blank">http://www.consumeraffairs.com/privacy/transunion.html</a> <a href="#fnref:29" class="footnote-back-ref">↩</a></li>
<li id="fn:30">"Agencies have to address credit report complaints". CNN Money. CNN. 9 March 2015. Retrieved 13 May 2015. <a href="https://money.cnn.com/2015/03/09/pf/credit-reporting-agencies-settlement/" target="_blank">https://money.cnn.com/2015/03/09/pf/credit-reporting-agencies-settlement/</a> <a href="#fnref:30" class="footnote-back-ref">↩</a></li>
<li id="fn:31">"CFPB Orders TransUnion and Equifax to Pay for Deceiving Consumers in Marketing Credit Scores and Credit Products". 3 January 2017. <a href="https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-transunion-and-equifax-pay-deceiving-consumers-marketing-credit-scores-and-credit-products/" target="_blank">https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-transunion-and-equifax-pay-deceiving-consumers-marketing-credit-scores-and-credit-products/</a> <a href="#fnref:31" class="footnote-back-ref">↩</a></li>
<li id="fn:32">"TransUnion hit with $60 million jury verdict over blacklist alerts". Reuters. 21 June 2017. <a href="https://www.reuters.com/article/transunion-verdict-idUSL1N1JI1ZA" target="_blank">https://www.reuters.com/article/transunion-verdict-idUSL1N1JI1ZA</a> <a href="#fnref:32" class="footnote-back-ref">↩</a></li>
<li id="fn:33">"Credit bureaus draw the most consumer complaints to the CFPB - CBS News". CBS News. 9 May 2019. <a href="https://www.cbsnews.com/amp/news/credit-bureaus-draw-the-most-consumer-complaints-to-the-cfpb/" target="_blank">https://www.cbsnews.com/amp/news/credit-bureaus-draw-the-most-consumer-complaints-to-the-cfpb/</a> <a href="#fnref:33" class="footnote-back-ref">↩</a></li>
<li id="fn:34">"CFPB says TransUnion "incapable of operating its businesses lawfully"". 13 April 2022. <a href="https://www.finextra.com/newsarticle/40072/cfpb-says-transunion-incapable-of-operating-its-businesses-lawfully" target="_blank">https://www.finextra.com/newsarticle/40072/cfpb-says-transunion-incapable-of-operating-its-businesses-lawfully</a> <a href="#fnref:34" class="footnote-back-ref">↩</a></li>
<li id="fn:35">"Equifax rival TransUnion also sends site visitors to malicious pages". arstechnica.co.uk. 12 October 2017. Retrieved 15 April 2018. <a href="https://arstechnica.co.uk/information-technology/2017/10/equifax-rival-transunion-also-sends-site-visitors-to-malicious-pages/" target="_blank">https://arstechnica.co.uk/information-technology/2017/10/equifax-rival-transunion-also-sends-site-visitors-to-malicious-pages/</a> <a href="#fnref:35" class="footnote-back-ref">↩</a></li>
<li id="fn:36">"Equifax website showed you ads full of malware, expert finds". cnet.com. 12 October 2017. Retrieved 15 April 2018. <a href="https://www.cnet.com/news/equifax-website-ads-served-adware-malware-expert-finds/" target="_blank">https://www.cnet.com/news/equifax-website-ads-served-adware-malware-expert-finds/</a> <a href="#fnref:36" class="footnote-back-ref">↩</a></li>
<li id="fn:37">"Malicious Redirects on Equifax, TransUnion Sites Caused by Third-Party Script – SecurityWeek.Com". www.securityweek.com. 13 October 2017. Retrieved 15 April 2018. <a href="http://www.securityweek.com/malicious-redirects-equifax-transunion-sites-caused-third-party-script" target="_blank">http://www.securityweek.com/malicious-redirects-equifax-transunion-sites-caused-third-party-script</a> <a href="#fnref:37" class="footnote-back-ref">↩</a></li>
<li id="fn:38">"Equifax rival TransUnion also sends site visitors to malicious pages". arstechnica.co.uk. 12 October 2017. Retrieved 15 April 2018. <a href="https://arstechnica.co.uk/information-technology/2017/10/equifax-rival-transunion-also-sends-site-visitors-to-malicious-pages/" target="_blank">https://arstechnica.co.uk/information-technology/2017/10/equifax-rival-transunion-also-sends-site-visitors-to-malicious-pages/</a> <a href="#fnref:38" class="footnote-back-ref">↩</a></li>
<li id="fn:39">"Hackers claim to breach TransUnion South Africa with 'Password' password". bleepingcomputer.com. Retrieved 18 March 2022. <a href="https://www.bleepingcomputer.com/news/security/hackers-claim-to-breach-transunion-south-africa-with-password-password/" target="_blank">https://www.bleepingcomputer.com/news/security/hackers-claim-to-breach-transunion-south-africa-with-password-password/</a> <a href="#fnref:39" class="footnote-back-ref">↩</a></li>
</ol>

TransUnion open-in-new

TransUnion