Breakin’ the Law: TransUnion Charged with Repeatedly Deceiving Consumers

Consumer group warns against using credit monitoring services

Andy Spears
3 min readApr 12, 2022


Photo by Grant Durr on Unsplash

On the heels of an announcement by the Consumer Financial Protection Bureau (CFPB) that TransUnion is being charged with violating an enforcement order and continuing to engage in deceptive marketing practices, advocates at the National Consumer Law Center (NCLC) warned against using credit monitoring services.

“This type of flagrant violation is typical behavior for not just TransUnion, but all three credit bureaus,” said Chi Chi Wu, staff attorney at the National Consumer Law Center. “Federal regulators, state Attorneys General, consumer advocates, and private attorneys have been battling a culture of impunity and arrogance by the credit bureaus for decades. Unfortunately, it’s the American consumer who ultimately pays the price for the credit bureaus’ longstanding habit of flouting the law.”

The CFPB noted:

The order was issued to stop the company from engaging in deceptive marketing, regarding its credit scores and other credit-related products. After the order went into effect, TransUnion continued its unlawful behavior, disregarded the order’s requirements, and continued employing deceitful digital dark patterns to profit from customers. The Bureau’s complaint also alleges that TransUnion violated additional consumer financial protection laws.

“TransUnion is an out-of-control repeat offender that believes it is above the law,” said CFPB Director Rohit Chopra. “I am concerned that TransUnion’s leadership is either unwilling or incapable of operating its businesses lawfully.”

While NCLC views today’s move as a step in the right direction, the advocacy group called on the CFPB to do even more to protect consumers from out-of-control credit bureaus.

“We commend the CFPB for taking strong and decisive action in the face of TransUnion’s outright noncompliance with a law enforcement order…



Andy Spears

Writer and policy advocate living in Nashville, TN —Public Policy Ph.D. — writes on education policy, consumer affairs, and more . . .