TransUnion

Financial Services95% confidence

TransUnion is a global consumer credit reporting agency that also offers investigative and risk-management tools such as TLOxp for businesses, law firms, and government agencies.

Chicago, Illinois, USA
transunion.com

About TransUnion

TransUnion is one of the major U.S. credit reporting agencies, best known for maintaining consumer credit files and providing credit scores and monitoring services. In addition to consumer credit products, TransUnion operates TLOxp, an investigative and skip-tracing platform (originating from TLO) used by businesses, law firms, collection agencies, insurers, and government entities to locate individuals, verify identities, and assess risk. The phone number and Florida reference in your descriptor (561-988-4200 FL) relates specifically to the TLO/TLOxp operations originally based in Florida.

This type of charge usually appears on a bank or card statement when a business or professional user pays TransUnion for access to TLOxp searches, data reports, or a subscription plan associated with investigative or risk-management services. Depending on the account type, it may represent per-search transaction fees, monthly minimums, or an ongoing subscription for a TLOxp license. You might also see separate authorizations or pending amounts when a new payment method is added or a billing cycle renews.

If you have questions about this charge, first confirm whether you or your organization has a TransUnion TLOxp or related data-services account, then review invoices or activity logs within the TLOxp/TransUnion online portal. For business accounts, your firm’s billing or compliance department may manage the contract and can provide copies of statements. If the charge is unfamiliar, contact TransUnion using the support or billing contact information on transunion.com (or via the TLOxp support line associated with your account) and provide the date, amount, and descriptor. Your card issuer can also help investigate or dispute unauthorized activity if TransUnion confirms there is no matching account in your name.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to TransUnion.

  1. May 2, 2025 TLO TRANSUNION 202505024 PURCHASE AUTHORIZED ON 05/01 TLO TRANSUNION 561-988-4200 FL S465122022424057 CARD 6787

Frequently Asked Questions

Why does my statement show a charge from “TLO TRANSUNION 561-988-4200 FL”?

This descriptor indicates a charge from TransUnion related to its TLO/TLOxp investigative data services, which are billed through TransUnion. The Florida phone number (561-988-4200) is associated with the TLOxp operations that originated in Florida.

Is this a subscription or a per-search fee from TransUnion TLOxp?

TLOxp accounts can be billed either on a per-search basis, via monthly minimums, or under a larger contract. To see whether your charge is for a subscription or per-use fee, log in to your TLOxp/TransUnion business portal and review your pricing plan and the most recent invoice under the billing section.

How can I cancel or change my TLOxp/TransUnion data services billing?

Account holders must contact TransUnion or their assigned account representative to cancel or modify a TLOxp agreement. Log into your account and use the support or “Contact Us” options, or refer to your service contract for the designated email and phone number for cancellations and billing changes.

How do I request a refund or dispute a TransUnion TLOxp charge?

First, verify the charge against your TLOxp usage report and invoice. If you believe you were billed in error, contact TransUnion billing or customer support with your account ID, the transaction date, amount, and statement descriptor. They can review the transaction and, if appropriate, issue an adjustment or credit. If the charge appears fraudulent and TransUnion finds no matching account, also notify your card issuer to dispute the transaction.

Can individual consumers be charged by TLO/TransUnion, or is this only for businesses?

TLOxp is primarily a business and institutional tool, so most related charges appear on corporate cards or firm billing accounts. Individual consumers are more commonly charged by TransUnion for credit monitoring or credit report products rather than TLOxp. If you are an individual and do not recognize any TransUnion service, contact TransUnion and your bank immediately.

Why do I see a pending or small authorization charge from TransUnion around the same time as my TLOxp invoice?

When you add or update a payment method, TransUnion or its processor may place a temporary authorization hold to verify the card. This can appear as a small or pending transaction that usually disappears or posts as $0 once the verification is complete; your actual TLOxp usage or subscription fee will appear as a separate posted charge.

How can I verify what specific searches or reports led to this TransUnion TLOxp charge?

Log into your TLOxp/TransUnion account and navigate to your usage or activity reports, where each search, report, or batch inquiry is logged with date, time, and often user details. Compare that usage history with your billing statement or invoice to confirm which activities correlate with the amount charged.

Who should I contact in my organization if I don’t recognize this TLO/TransUnion charge but we use TLOxp?

Start with your internal billing, accounts payable, or compliance department—they often manage the TransUnion/TLOxp contract and login credentials. They can access invoices, usage logs, and contact your TransUnion account representative directly to clarify any unfamiliar charges.

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