You can place a free security freeze on your TransUnion credit report, which blocks lenders from accessing your credit file and helps prevent identity theft and fraudulent credit applications.
This analysis describes what TransUnion's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
A security freeze is one of the most effective tools to prevent identity theft using your credit data, and placing one is free and can be done online.
Placing a security freeze at TransUnion prevents unauthorized access to your credit report, which makes it much harder for someone to open fraudulent accounts in your name using your personal information.
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If you are located in the European Economic Area, Switzerland, or the United Kingdom, you have the right to access, correct, or erase your personal data; the right to restrict or object to our processing of your personal data; the right to data portability; and, where our processing is based on your...
Depending on where you are located, you may have certain rights regarding your personal information, including the right to access, correct, delete, or restrict processing of your personal information, the right to data portability, and the right to object to or withdraw consent for certain processi...
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"You have the right to place a security freeze on your credit report. A security freeze restricts access to your credit file, which may delay or prevent creditors from accessing your credit report in connection with a credit application you submit. You may request a security freeze by contacting TransUnion at: TransUnion LLC, P.O. Box 160, Woodlyn, PA 19094, or by visiting our website at https://www.transunion.com/credit-freeze.— Excerpt from TransUnion's TransUnion Privacy Policy
REGULATORY LANDSCAPE: The right to a free security freeze is established by the Economic Growth, Regulatory Relief, and Consumer Protection Act, which amended the FCRA to require consumer reporting agencies to provide free security freezes to all consumers. The CFPB enforces FCRA security freeze requirements. TransUnion's disclosure of this right is consistent with federal statutory obligations. GOVERNANCE EXPOSURE: Low. This is a well-established statutory right and its disclosure is required. No unusual exposure. JURISDICTION FLAGS: The right applies nationally under federal law. All US consumers are entitled to a free security freeze. Some states may have additional protections for security freeze processing timelines. CONTRACT AND VENDOR IMPLICATIONS: No material vendor implications. Lenders and other creditors who receive frozen credit reports are already on notice that access is restricted. COMPLIANCE CONSIDERATIONS: TransUnion's process for placing, lifting, and reinstating security freezes should be reviewed for compliance with FCRA timing requirements. Consumer-facing instructions should be clear and accurate.
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A security freeze is one of the most effective tools to prevent identity theft using your credit data, and placing one is free and can be done online.
Placing a security freeze at TransUnion prevents unauthorized access to your credit report, which makes it much harder for someone to open fraudulent accounts in your name using your personal information.
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