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Your consumer reports are considered public records and include any information about you—whether it was originally in the records, or later removed. Records can vary in terms of quality. We will notify you when a record needs to be updated and will have the right to withhold the update of any report based on an invalid record. However, we do not usually notify you if the record is incorrect after you made a transaction. You should note that you can appeal for a change to the transaction record. However, we may have to withhold any change to your consumer report due to fraud or errors that you are aware of at the time the appeal is filed. As with any consumer report, we may not provide access to your file to creditors, business associates, or others (other than law enforcement agencies) who want to see your report. You also may ask us to provide you with copies of a consumer report at a mutually agreeable cost, as a gift, and at your request. When we make a report to a creditor regarding a consumer or your account, we make the consumer or the account information a trade secret and therefore will not provide documents to a third party that would allow a potential creditor to compare the report to your account. Can I request to review my consumer report? When you request us to review you consumer report, we will request all information needed and any document that would allow you to compare your consumer report to us consumer reports. We may charge for the review. If we decide not to review your report for any reason, your information is not confidential. If your file is in its third year, and you want a copy, you will be required to pay for an original copy up to the current reporting fee. How do I change my name? You must request a change of name, address, or phone number. If you do not follow this process, the creditor will not be able to send your payment or notify you that your payment has been posted. We recommend that you make this change in your most recent annual statement that you receive from the creditor. We may require you to provide additional or more expensive documents to support your request. Please contact us if you are not sure what document to provide. If you are unable to change your name in one of these ways, you can write a letter explaining your issue to help us address it. You may also request a name change through the Internet by signing in to the TransUnion application.

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