In this episode, we explore TransUnion, the Chicago-based credit reporting agency that maintains profiles on over one billion consumers worldwide. We trace its evolution from a 1968 holding company for rail tank cars to becoming one of the "Big Three" agencies alongside Experian and Equifax. We examine the company's expansion beyond simple credit reports into big data and AI through major acquisitions like Neustar, Sontiq, and CallCredit. The discussion also covers TransUnion’s significant legal hurdles, including a historic $60 million verdict for falsely labeling consumers as terrorists and repeated fines from the CFPB for deceptive marketing practices. Finally, we break down serious security issues, such as the 2022 South Africa data breach, and why federal regulators recently claimed the company was "incapable of operating its businesses lawfully".