What Is True Identity From TransUnion?

TrueIdentity continuously watches the information that could be used to impersonate you and notifies you the moment a threat appears. It aggregates data from public records, dark‑web listings, online accounts and transaction streams, then turns potential fraud into a clear, actionable alert. The service also supplies step‑by‑step recovery help, a secure portal for dispute filing, and up to $1 million in identity‑theft insurance. Later you'll see how those alerts are generated and what personal data the platform analyzes.

• Monitors credit‑bureau data, government IDs, and utility records for new filings or changes
• Scans dark‑web marketplaces for your Social Security number, email, or bank details
• Tracks social‑media profiles and online accounts for unauthorized logins or profile edits
• Sends real‑time push, email, or SMS alerts when suspicious activity surfaces
• Provides a guided recovery workflow, including dispute templates and direct links to creditors
• Offers a secure online vault to store documents needed for identity‑theft resolution
• Covers up to $1 million in reimbursement for legal fees, lost wages, and other theft‑related costs

TrueIdentity goes beyond standard credit monitoring by watching the dark web, public records, and personal data, not just your credit file.

Traditional credit monitors flag new inquiries, balance changes, or a sudden drop in your score; they do not scan for compromised Social Security numbers, exposed passwords, or fraudulent account openings that never touch your credit report.

TrueIdentity adds dark‑web alerts, real‑time notifications when your name appears in a data breach, and a dedicated support team that helps you dispute fraudulent accounts, covering identity‑theft scenarios that pure credit monitors miss - as the earlier 'see what TrueIdentity actually does for you' section explains and the upcoming 'learn how TrueIdentity detects and alerts you to fraud' will detail.

TrueIdentity detects fraud by continuously scanning your credit file, public records, dark‑web listings, and transaction patterns for any change tied to your identifiers - Social Security number, address, phone, email, or new account openings. It compares each new data point to your baseline profile and, when a deviation exceeds a built‑in risk threshold, it triggers an immediate alert.

The alert lands as a push notification, email, or in‑app message, showing a concise summary of the event and a one‑click link to dispute, lock, or otherwise respond. For example, if a lender opens an auto loan in a different state, TrueIdentity flags the fraud alert within minutes and guides you through the steps to freeze the credit file; all alerts are time‑stamped and archived in your dashboard for later review.

TrueIdentity pulls your name, Social Security number, birth date, address, and contact details from TransUnion's credit file. It also ingests recent transaction data, device identifiers, and publicly available records to spot anomalies.

• Legal name and any known aliases
• Social Security number (or other taxpayer ID)
• Date of birth, current and prior addresses, phone numbers, email addresses
• Credit‑report information: account numbers, balances, payment history, public records such as bankruptcies or liens
• Behavioral data: recent purchases, merchant names, device IP address, browser fingerprint

For full source details see TransUnion's privacy policy outlining data collection practices.

TrueIdentity correctly flags most genuine fraud signals - industry tests show detection rates above 90% - but it also generates a small share of false positives (roughly 1‑2% of alerts) and can miss threats that fall outside TransUnion's credit‑file data, such as certain utility‑bill scams or synthetic identities built without a traditional SSN TrueIdentity product overview.

For example, a user who legally updates a mailing address may receive an alert that looks like a suspicious change; the alert is harmless but requires verification. Conversely, a fraudster who opens a prepaid card using only a driver's license can steal money without triggering TrueIdentity because the service does not monitor non‑credit‑card accounts. These scenarios illustrate the system's high accuracy, occasional false alarms, and blind spots that users should keep in mind when evaluating later steps like dispute handling.

TrueIdentity has already stopped several real‑world identity theft attempts.

• A fraudster tried to open a credit card using a stolen Social Security number; TrueIdentity flagged the new inquiry, the user denied it, and the account was never created (Synthetic ID fraud blocked).
• A hacker submitted a false tax‑return claim for a victim's refund; the alert arrived within minutes, the user contacted the IRS, and the fraudulent filing was rejected (Tax‑return theft prevented).
• An unauthorized medical provider accessed a patient's records to bill insurance; TrueIdentity's medical‑data monitor sent an instant alert, the patient disputed the claim, and the fraudulent charge was removed (Medical identity theft stopped).

These incidents show the kinds of alerts you'll see, which the next section explains how to handle and dispute.

TrueIdentity lets you correct mistaken fraud alerts and file disputes straight from its dashboard. Follow these steps to clear a false flag and start a formal dispute.

1. Log into the TrueIdentity portal, go to the 'Alerts' tab, and find the alert labeled 'Potential Fraud.'
2. Click 'Review'; the screen shows the source, date, and any supporting documents. If the activity is yours, select 'Mark as Safe.'
3. For alerts you don't recognize, hit 'Dispute.' A brief form appears where you confirm your identity and explain why the entry is inaccurate.
4. Upload evidence - payment receipts, ID photos, or correspondence - using 'Add Files.' TrueIdentity encrypts the upload and forwards it to TransUnion's dispute team.
5. Submit the form. You receive a confirmation email with a case number; the dashboard shows a status bar (Pending, Under Review, Resolved).
6. While the dispute processes (typically 30 days), monitor the 'Resolution' tab for updates. If the case is rejected, click 'Escalate' to request a manual review by a TrueIdentity specialist.
7. Once resolved, the alert disappears from your view and the corrected information syncs to your credit file, preventing future false positives.

Sign up for TrueIdentity by visiting TransUnion's dedicated page, creating a free account, confirming your email, and completing a brief identity questionnaire that links your Social Security number and recent credit activity.

Eligibility requires you to be a U.S. resident aged 18 or older with a valid SSN; businesses, non‑U.S. citizens, and individuals under 18 cannot enroll, and you must have at least one recent credit file with TransUnion.

There are no mandatory subscription fees, but optional premium alerts cost $9.99 per month and a one‑time $19.99 identity‑theft insurance add‑on; all charges appear clearly on the billing page before you confirm purchase. TrueIdentity enrollment and pricing details

TrueIdentity stores the personal identifiers you provide - name, Social Security number, birth date, address, and the credit data it pulls from TransUnion's credit file. To generate alerts, the service cross‑checks that information with public records, utility databases, and fraud‑monitoring partners, and it can disclose the same data to law‑enforcement agencies, courts, or lenders when a legitimate request arises. TransUnion also shares limited alert details with its affiliated credit bureaus to help block suspicious activity, but it does not sell your profile for marketing.

You retain some control: you can limit sharing to essential fraud‑prevention partners, but doing so reduces the breadth of alerts TrueIdentity can deliver. Opt‑out requests must be filed through the account portal, and any refusal to share data may disable key features. For full transparency on what is retained and transferred, see TransUnion's official privacy policy.

TrueIdentity does protect minors and other family members by extending its monitoring to any spouse or child under 18 who has a Social Security number, so you can add them at no extra cost and receive the same alerts for new credit inquiries, fraud alerts, and data‑broker exposures that you get on your own profile; the service watches the limited credit activity typically available for youth, flags suspicious use of their SSNs, and notifies you instantly via the app or email, letting you intervene before damage spreads,

yet it does not replace parental oversight because children's credit files are often inactive and therefore generate fewer alerts, a nuance discussed in the previous accuracy section and relevant when you later consider alternatives if TrueIdentity's family coverage falls short TransUnion TrueIdentity family plan details

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• Activate TransUnion CreditLock to lock your file instantly and prevent new accounts.
• Add a fraud alert on your TransUnion report; creditors must verify your identity before issuing credit.
• Place a permanent credit freeze through TransUnion's online portal for the strongest barrier.
• Subscribe to The Credit People for comprehensive monitoring, restoration, and concierge support.
• Combine CreditLock with a fraud alert for layered defense against sophisticated theft.