TransUnion TLOxp
A risk datasite that exposes your name, address, phone, and relatives. Here's what they collect, how to opt out, and why it matters if you're on the job.
Visit TransUnion TLOxpWhat TransUnion TLOxp collects
- Full name and address history
- Phone numbers and email addresses
- Date of birth and Social Security number
- Employment history and current employer
- Relatives, associates, and neighbors
- Vehicle registration and title records
- Criminal records and court filings
- Real property ownership records
- Utility connection records
- Phone and identity data (TransUnion acquired Neustar in 2021)
How to opt out yourself
Direct opt-out: https://www.transunion.com/consumer-privacy
- Open TransUnion's consumer-privacy portal and confirm it is current before filing. TransUnion changes these pages, so verify the URL and required fields first.
- Choose the option to opt out of the sale and sharing of personal information for the TRADS (TransUnion Risk and Alternative Data Solutions) data set.
- Submit your name, current address, prior addresses, date of birth, and the last four digits of your SSN.
- Verify your identity through the email link they send.
- File a separate deletion request under the TRADS privacy notice. Opting out of sale and requesting deletion are two different rights.
- Allow up to 45 days for processing. CCPA permits one 45-day extension, so plan for up to 90 days.
- If you live in California, you can also file through DROP, the state's Delete Request and Opt-out Platform. Registered brokers, including TRADS, must begin honoring DROP requests by August 1, 2026.
What TransUnion TLOxp knows about you
TransUnion is one of the three big credit bureaus. TLOxp is a different part of the company: an investigative search tool sold to law enforcement, attorneys, and licensed private investigators.
The file is deep. It can include your address history, unlisted phone numbers, current employer and how long you've worked there, relatives and neighbors mapped to your household, vehicle records, court files, property records, and utility-connection records that show when you moved in. TransUnion also owns Neustar, which adds phone and identity data.
TransUnion markets TLOxp as drawing on more than 10,000 public and proprietary sources and covering over 95 percent of US adults. The records key off your Social Security number on the back end, so they stay tightly tied to your identity.
Why it matters if you're on the job
TLOxp is sold to law enforcement as an investigative platform, so you may use it at work. The risk is who else can buy access: licensed private investigators, attorneys representing people you arrested, bail bondsmen, and skip tracers working for collection agencies.
Someone with an account can pull your address history, your relatives, and the neighbors tied to your home in a single search. Those records point a stranger to where you live and to the people around you. They do not have to follow you to find your front door.
The same risk reaches firefighters, paramedics, and nurses in smaller agencies. A patient's family member who blames you can hire a private investigator for less than an attorney.
How to opt out
Start at TransUnion's consumer-privacy portal (transunion.com/consumer-privacy), the online request page for California and other state privacy rights. One request there covers TransUnion's related services, including TRADS. Confirm the page is current before you file, because TransUnion changes these pages.
The request covers the non-FCRA data held by TransUnion Risk and Alternative Data Solutions, Inc. (TRADS), the part that feeds TLOxp. Under California law you can opt out of the sale and sharing of your information, ask them to delete it, and ask to see what they hold. Opting out and deleting are separate requests, so file both.
Read the retention terms. TransUnion keeps data it argues it needs for fraud prevention, security, legal obligations, and research, even after a deletion request. Because TLOxp is sold only to credentialed subscribers, a consumer opt-out lowers your exposure but does not fully suppress the underlying file.
Processing takes up to 45 days, and CCPA allows one 45-day extension, so plan for up to 90 days.
If you live in California, you can also file through DROP, the state's Delete Request and Opt-out Platform. One request covers every registered broker in the state, including TRADS. Registered brokers must begin honoring DROP requests by August 1, 2026.
How long until you're back
TRADS does not refresh as often as consumer people-search sites. A new listing usually follows a new event tied to your SSN or address, such as a credit application, a utility connection, a vehicle registration, or a court filing. We keep checking for new records attached to your identity and re-file when one shows up.
What we do that's faster
We file the opt-out, file the TRADS deletion request, and keep checking for your information to come back. For California, we can also file through DROP. You deal with one process on our end instead of tracking each broker's form yourself. We handle most of the work and tell you clearly when a site needs something from you.
Who owns it
TLOxp is a TransUnion investigative product. The underlying non-FCRA data is held by TransUnion Risk and Alternative Data Solutions, Inc. (TRADS), which is where your opt-out and deletion requests go.
Where the data comes from
- Public and proprietary databasesTransUnion markets TLOxp as drawing on more than 10,000 public and proprietary sources.
- Credit-header and identity dataNon-FCRA identifying data keyed to your Social Security number on the back end, held by TRADS.
- Neustar identity and phone dataTransUnion completed its Neustar acquisition in December 2021, adding phone and identity-resolution data.
- Public recordsProperty, court, vehicle, voter, and utility-connection records.
Doing this for one broker is straightforward. Doing it for 200, on a continuous basis, is what we do.
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