Editing TransUnion (section)

{{short description|American consumer credit reporting agency}}
{{Infobox company
| name = TransUnion LLC
| logo = TransUnion_logo.svg
| trading_name = TransUnion
| former_name = TransUnion Holding Company, Inc.
| type = [[Public company|Public]]
| traded_as = {{ubl|class=nowrap|{{NYSE|TRU}}|[[Russell 1000]] component}}
| industry = [[Information technology]]
| founded = {{Start date and age|1968|2|8}}
| location = [[Chicago, Illinois]], U.S.
| area_served = Worldwide
| key_people = Christopher Cartwright ([[President (corporate title)|president]] & [[Chief executive officer|CEO]])
| products = [[Credit history|Credit reports]]
| services = [[Credit (finance)|Credit information]]
| revenue = {{increase}} {{US$|4.18 billion|link=yes}} (2024)
| operating_income = {{increase}} US$667 million (2024)
| net_income = {{increase}} US$284 million (2024)
| assets = {{decrease}} US$10.9 billion (2024)
| equity = {{increase}} US$4.32 billion (2024)
| num_employees = 13,400 (2024)
| website = {{Official URL}}
| footnotes = <ref name=10K2024>{{cite web|url=https://www.sec.gov/ix?doc=/Archives/edgar/data/1552033/000155203325000015/tru-20241231.htm |title=US SEC: Form 10-K TransUnion (FY 2024) |publisher=[[U.S. Securities and Exchange Commission]] |date=February 13, 2025 |access-date=February 14, 2025}}</ref><ref name=8KNOV1420181>{{cite web|url=https://www.sec.gov/Archives/edgar/data/1552033/000119312518326080/d652710d8k.htm |title=US SEC: Form 8-K TransUnion – Departure of James M. Peck as CEO |publisher=[[U.S. Securities and Exchange Commission]] |date=November 14, 2018 |access-date=December 7, 2018}}</ref><ref name=10K2019>{{cite web|url=https://www.sec.gov/ix?doc=/Archives/edgar/data/1552033/000155203320000014/transunion-20191231x10k.htm |title=US SEC: Form 10-K TransUnion (Fiscal Year 2019) |publisher=[[U.S. Securities and Exchange Commission]] |access-date=May 21, 2020}}</ref>
}}

'''TransUnion LLC''' is an American [[Credit bureau|consumer credit reporting agency]]. TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries including "200 million files profiling nearly every credit-active consumer in the United States".<ref>{{Cite web|url=https://www.transunion.com/solution/customer-credit-check|title=Customer Credit Check {{!}} TransUnion|website=TransUnion|access-date=2017-09-23}}</ref> Its customers include over 65,000 businesses.<ref>{{Cite web|url=https://www.transunion.com/global-presence|title=Global Presence {{!}} A Powerful, Global Force {{!}} TransUnion|website=TransUnion|access-date=2017-09-23}}</ref> Based in [[Chicago]], [[Illinois]], TransUnion's 2014 revenue was [[United States dollar|US$]]1.3 billion.<ref name="TransUnion SEC Filing (2014)">{{cite web|url=https://www.sec.gov/Archives/edgar/data/1552033/000119312515112386/d867590ds1.htm|title=TransUnion SEC Filing (2014)|website=SEC|access-date=13 May 2015}}</ref> It is the smallest of the three largest credit agencies, along with [[Experian]] and [[Equifax]] (known as the "Big Three").<ref>{{cite news|title=How to protect yourself against the theft of your identity|url=https://www.economist.com/news/finance-and-economics/21728955-top-tip-keep-eye-your-bank-and-credit-card-statements-how-protect|access-date=15 September 2017|newspaper=[[The Economist]]|date=14 September 2017}}</ref>

TransUnion also markets [[credit report]]s and other credit and fraud-protection products directly to consumers. Like all credit reporting agencies, the company is required by U.S. law to provide consumers with one free credit report every year.<ref>{{Cite news|url=https://www.consumer.ftc.gov/articles/0155-free-credit-reports|title=Free Credit Reports|date=2013-03-26|work=Consumer Information|access-date=2017-09-23}}</ref>
Additionally a growing segment of TransUnion's business is its business offerings that use advanced [[big data]], particularly its deep AI-TLOxp product.<ref>{{cite web | url=https://digital.hbs.edu/platform-digit/submission/transunion-competing-with-data-giants/ | title=TransUnion - Competing with Data Giants }}</ref>