TransUnion

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TransUnion (full name Trans Union LLC) is a consumer credit reporting agency, considered one of the "big three" agencies in the United States. Like its main competitors, Experian and Equifax, it now markets its credit reports directly to consumers, in addition to its core business of providing the reports to potential creditors.

TransUnion was created in 1968 by Union Tank Car Company as their holding company. Its credit business began with the purchase of Credit Bureau of Cook County (CBCC) in 1969. Trans Union was built from acquisitions of major city credit bureaus, with service agreements with local owners of bureaus which were not for sale. Today it operates 250 offices across the U.S. and in 24 countries worldwide. It is based in Chicago, Illinois.

TransUnion was a subsidiary of The Marmon Group until January 2005. It is now an independent, privately held company.

Trans Union allows consumers to dispute items in their file online, via mail, and via telephone. Compared to the other two bureaus, Trans Union's process was slower and service quality lower when resolving a verifiable error[citation needed]. Trans Union's primary accountability is to the companies who provide and license its data.

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