Overview

TransUnion is modernizing fraud protection by delivering personalized risk insights and customized mitigation steps to address an individual’s unique risks in the wake of data compromise.

Utilizing a proprietary AI algorithm, BreachIQ analyzes more than 1,300 factors to assign a unique Breach Risk Score to each incident. BreachIQ’s AI also analyzes each consumer’s history of data compromise to build a personalized identity risk profile, and then prescribes a personalized mitigation action plan with recommendations from among 50 options. All of which is managed through TransUnion’s intuitive, web-based dashboard.

TransUnion’s AI solution monitors and analyzes the exposure of more than 60 personal data elements, from Social Security numbers and medical account information to passport numbers and financial accounts. Once compromised, individuals receive a rapid notification when these sensitive details have been associated with breach activity.

BreachIQ then reveals where the data was found, what specific breach it was associated with, what identity crimes it could enable, and prioritizes personalized action steps via an easy-to-use digital interface. Users are also presented with a dynamic Identity Safety Score that’s based on their own, unique risk profile. Similar to a credit score, they can monitor this score to see how following their customized action plan improves their identity protection and reduces their fraud risks.

Suppose a customer wants to know more about a specific breach. They can search our comprehensive Breach Universe, which aggregates the severity and risks from a proprietary database of every single publicly reported data breach, along with feeds from the dark web — providing greater visibility into the risk environment. More than four times as vast as the dark web alone, TransUnion’s Breach Universe covers the higher-risk breaches that are otherwise missed, allowing updates based on any new notifications that consumers receive.