Yes. It is one of four nationwide credit bureaus and a publicly traded company. Its record is not spotless: it paid $15 million in 2023 over inaccurate tenant-screening reports. If you were contacted by someone claiming to be TransUnion, treat that separately - impersonation is common, so navigate to the site yourself.

Can I remove myself from TransUnion?

No, and that is by design. A credit file is not an opt-in product you can delete. What you can do is opt out of prescreened marketing offers, freeze your file so new accounts cannot be opened, and dispute anything inaccurate in it.

Does opting out of TransUnion marketing hurt my credit score?

No. Opting out of prescreened offers has no effect on your score, and neither does a security freeze. Prescreen inquiries appear on your report but are not scored.

Is a security freeze the same as a marketing opt-out?

No, and this is the most important distinction on this page. The marketing opt-out stops prescreened offers. A freeze stops new credit being opened in your name. They are separate free requests and doing one does nothing for the other.

How do I stop TransUnion marketing mail?

Use the joint bureau opt-out at optoutprescreen.com, which covers TransUnion, Equifax, Experian and Innovis in one request. Our TransUnion opt-out guide walks the process.

Broker check

Is TransUnion legit and safe?

Reviewed August 1, 2026

Short answer

TransUnion is one of the four US credit bureaus, a public company operating under federal law, and about as far from a scam as a company gets. It also has a live regulatory record: in October 2023 it agreed with the FTC and CFPB to pay $15 million over inaccurate tenant-screening reports. Both things are true, and the second is the reason to pay attention to what it holds about you.

Key facts about removing your information from TransUnion
Type of site	Credit and risk brokers
Cost to remove yourself	Free
Time to submit the request	10 minutes
Account required	No
Typical time to disappear	processed within five days, though offers can keep arriving for weeks
Opt-out actually handled by	OptOutPrescreen, jointly run by all four credit bureaus - one request can cover several sites
Enforcement actions we found	2 documented - see the public record below

Is TransUnion a scam?

No. If you are asking because you got an email or call claiming to be TransUnion, the company is real but impersonation is common, so go to transunion.com directly rather than following a link. TransUnion will not cold-call you asking for your Social Security number.

What TransUnion actually is

A nationwide consumer reporting agency. It compiles your credit accounts, payment history and public records into a file that lenders, landlords, insurers and employers can buy under defined circumstances, and it sells related screening and marketing products.

Where TransUnion gets your data

Lenders and creditors that furnish account data, public records, and its own screening products. You are in it because companies you did business with reported you, not because you signed up.

Is it legal?

TransUnion is regulated under the Fair Credit Reporting Act. That gives you rights it must honour: to see your file, to dispute inaccurate entries, and to place a free security freeze. Those rights are the reason this page exists - they are more useful than any opt-out.

What TransUnion exposes about you

Credit account and payment history
Name, address history and date of birth
Prescreen eligibility lists sold to lenders and insurers
Marketing audience data

The real risks

An error in your file can cost you a loan, a tenancy or a job, and errors are not rare.
Its tenant-screening product has been penalised for inaccurate eviction records, which is the sharp end of getting this wrong.
The prescreen marketing opt-out is not a security freeze, and confusing the two leaves you exposed to new-account fraud.
Dispute handling has been the subject of regulator scrutiny, so a first dispute may not be the end of it.

TransUnion's public record

October 2023

TransUnion and a subsidiary agreed to pay $15 million to settle FTC and CFPB charges that they failed to ensure the accuracy of tenant-screening reports, including inaccurate and incomplete eviction records. The settlement comprised $11 million in redress and $4 million in civil penalties, plus required business-process changes.

FTC press release, October 2023 ($15M tenant-screening settlement)

Ongoing

The CFPB maintains a public enforcement record for TransUnion covering multiple matters, including failures to place or lift security freezes in time as the FCRA requires. Consult the CFPB's own action list for the current position.

CFPB enforcement actions, TransUnion

What to do about it

You can remove yourself for free, and you do not need a reason. Our step-by-step TransUnion opt-out guide covers the current process - about 10 minutes, no payment, and no account needed in most cases. Expect to repeat it every few months, because these listings rebuild from public records. If you would rather see which sites list you before starting, the free exposure scan checks the major brokers, known breaches, and public profiles tied to your username without storing anything.

California residents have a stronger option: the state's free DROP platform sends a single binding deletion request to every registered data broker. Everyone else can see what your state allows.