TransUnion (TRU) 10-Q23 Oct 242024 Q3 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information shares in Millions	9 Months Ended
Document and Entity Information shares in Millions	Sep. 30, 2024 shares
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
Document Transition Report	false
Entity File Number	001-37470
Entity Registrant Name	TransUnion
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	61-1678417
Entity Address, Address Line One	555 West Adams,
Entity Address, City or Town	Chicago,
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	60661
City Area Code	312
Local Phone Number	985-2000
Title of 12(b) Security	Common Stock, $0.01 par value
Trading Symbol	TRU
Security Exchange Name	NYSE
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Entity Central Index Key	0001552033
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding	194.9

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Current assets:
Cash and cash equivalents	$ 643.2	$ 476.2
Trade accounts receivable, net of allowance of $18.2 and $16.4	798.4	723
Other current assets	228.2	275.9
Total current assets	1,669.8	1,475.1
Property, plant and equipment, net of accumulated depreciation and amortization of $858.3 and $804.4	181.5	199.3
Goodwill	5,184.5	5,176
Other intangibles, net of accumulated amortization of $3,055.8 and $2,719.8	3,356.9	3,515.3
Other assets	661.1	739.4
Total assets	11,053.8	11,105.1
Current liabilities:
Trade accounts payable	319.4	251.3
Short-term debt and current portion of long-term debt	66.5	89.6
Other current liabilities	609.8	661.8
Total current liabilities	995.7	1,002.7
Long-term debt	5,134.9	5,250.8
Deferred taxes	481.8	592.9
Other liabilities	120.2	153.2
Total liabilities	6,732.6	6,999.6
Stockholders’ equity:
Common stock, $0.01 par value; 1.0 billion shares authorized at September 30, 2024 and December 31, 2023, 201.4 million and 200.0 million shares issued at September 30, 2024 and December 31, 2023, respectively, and 194.9 million and 193.8 million shares outstanding as of September 30, 2024 and December 31, 2023, respectively	2	2
Additional paid-in capital	2,524.3	2,412.9
Treasury stock at cost, 6.6 million and 6.2 million shares at September 30, 2024 and December 31, 2023, respectively	(333)	(302.9)
Retained earnings	2,312.6	2,157.1
Accumulated other comprehensive loss	(289.5)	(260.9)
Total TransUnion stockholders’ equity	4,216.4	4,008.2
Noncontrolling interests	104.8	97.3
Total stockholders’ equity	4,321.2	4,105.5
Total liabilities and stockholders’ equity	$ 11,053.8	$ 11,105.1

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Accounts Receivable, Allowance for Credit Loss	$ 18.2	$ 16.4
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment	858.3	804.4
Finite-Lived Intangible Assets, Accumulated Amortization	$ 3,055.8	$ 2,719.8
Common Stock, Shares, Issued	201,400,000	200,000,000
Common Stock, Shares, Outstanding	194,900,000	193,800,000
Treasury Stock, Shares	6,600,000	6,200,000
Common Stock, Shares Authorized	1,000,000,000	1,000,000,000
Common Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Millions, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Income Statement [Abstract]
Revenue	$ 1,085	$ 968.7	$ 3,147	$ 2,876.9
Operating expenses
Cost of services (exclusive of depreciation and amortization below)	448.7	368.8	1,261.7	1,136.8
Selling, general and administrative	305.7	290.8	922.1	867.7
Depreciation and amortization	133.6	131.3	400.5	391.1
Goodwill impairment	0	414	0	414
Restructuring	40.5	0	66.8	0
Total operating expenses	928.6	1,205	2,651	2,809.6
Operating income (loss)	156.4	(236.3)	495.9	67.3
Non-operating income and (expense)
Interest expense	(66.6)	(72.7)	(203.2)	(217.2)
Interest income	7.8	5	19.9	15.1
Earnings from equity method investments	4.7	3.7	14	11.7
Other (expense) and income, net	(5.4)	8.7	(26.2)	(16.3)
Total non-operating income and (expense)	(59.6)	(55.4)	(195.4)	(206.8)
Income (loss) from continuing operations before income taxes	96.8	(291.7)	300.5	(139.5)
Provision for income taxes	(24.9)	(22.2)	(68.9)	(60.1)
Income (Loss) from Continuing Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest	71.9	(313.9)	231.6	(199.6)
Discontinued operations, net of tax	0	(0.5)	0	(0.7)
Net income (loss)	71.9	(314.4)	231.6	(200.3)
Less: net income attributable to the noncontrolling interests	(3.9)	(4.3)	(13.4)	(11.9)
Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent	68	(318.3)	218.2	(211.5)
Net income	$ 68	$ (318.8)	$ 218.2	$ (212.2)
Earnings Per Share, Basic [Abstract]
Income (Loss) from Continuing Operations, Per Basic Share	$ 0.35	$ (1.65)	$ 1.12	$ (1.09)
Discontinued Operation, Income (Loss) from Discontinued Operation, Net of Tax, Per Basic Share	0	0	0	0
Earnings Per Share, Basic	0.35	(1.65)	1.12	(1.10)
Earnings Per Share, Diluted [Abstract]
Income (Loss) from Continuing Operations, Per Diluted Share	0.35	(1.65)	1.11	(1.09)
Discontinued Operation, Income (Loss) from Discontinued Operation, Net of Tax, Per Diluted Share	0	0	0	0
Earnings Per Share, Diluted	$ 0.35	$ (1.65)	$ 1.11	$ (1.10)
Earnings Per Share, Diluted [Abstract]
Weighted Average Number of Shares Outstanding, Basic	194.6	193.4	194.3	193.3
Weighted Average Number of Shares Outstanding, Diluted	197	193.4	196.3	193.3

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Net income (loss)	$ 71.9	$ (314.4)	$ 231.6	$ (200.3)
Foreign currency translation:
Foreign currency translation adjustment	51.6	(49)	20.1	37
Benefit (provision) for income taxes	1.7	(0.6)	1.7	(2)
Foreign currency translation, net	53.3	(49.6)	21.8	35
Hedge instruments:
Net change on interest rate swap	(63.6)	2	(68.9)	(2.7)
Benefit (provision) for income taxes	15.9	(0.5)	17.2	0.7
Hedge instruments, net	(47.7)	1.5	(51.7)	(2)
Net unrealized gain (loss)	0.1	0	0.1	(0.1)
Benefit (provision) for income taxes	0	0	0	0
Available-for-sale securities, net	0.1	0	0.1	(0.1)
Total other comprehensive income (loss), net of tax	5.7	(48.2)	(29.8)	32.8
Comprehensive income (loss)	77.6	(362.6)	201.8	(167.5)
Less: comprehensive income attributable to noncontrolling interests	(3.3)	(3.9)	(12.2)	(10.6)
Comprehensive income (loss) attributable to TransUnion	$ 74.3	$ (366.5)	$ 189.6	$ (178.1)

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash flows from operating activities:
Net income (loss)	$ 231.6	$ (200.3)
Discontinued operations, net of tax	0	0.7
Income (loss) from continuing operations	231.6	(199.6)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization	400.5	391.1
Loss on repayment of loans	2.6	3
Goodwill impairment	0	414
Deferred taxes	(94.1)	(101.3)
Stock-based compensation	85.6	72.9
Loss on early termination of lease	40.5	0
Other	17.9	13.1
Changes in assets and liabilities:
Trade accounts receivable	(88.9)	(104.2)
Other current and long-term assets	31.4	(42.4)
Trade accounts payable	44.2	16.9
Other current and long-term liabilities	(92.8)	(19.7)
Cash provided by operating activities of continuing operations	578.5	443.8
Cash used in operating activities of discontinued operations	0	(0.2)
Cash provided by operating activities	578.5	443.6
Cash flows from investing activities:
Capital expenditures	(198.7)	(213.2)
Proceeds from sale/maturities of other investments	0	63.9
Purchases of other investments	0	(43.7)
Investments in nonconsolidated affiliates	(5.9)	(36.9)
Proceeds from the sale of investments in nonconsolidated affiliates	3.8	0
Payment For Divestiture of Businesses	0	(0.5)
Other	5.7	(0.1)
Cash used in investing activities	(195.1)	(230.5)
Cash flows from financing activities:
Proceeds from term loans	934.9	0
Repayments of term loans	(927.9)	0
Repayments of debt	(141)	(310.9)
Debt financing fees	(13.5)	0
Proceeds from issuance of common stock and exercise of stock options	24.5	23.1
Dividends to shareholders	(61.7)	(61.4)
Employee taxes paid on restricted stock units recorded as treasury stock	(30.1)	(17.6)
Distributions to noncontrolling interests	(4.7)	(8.5)
Cash used in financing activities	(219.5)	(375.3)
Effect of exchange rate changes on cash and cash equivalents	3.1	(2.2)
Net change in cash and cash equivalents	167	(164.4)
Cash and cash equivalents, beginning of period	476.2	585.3
Cash and cash equivalents, end of period	$ 643.2	$ 420.9

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) shares in Millions, $ in Millions	Total	Common Stock	Paid-In Capital	Treasury Stock	Retained Earnings	Accumulated Other Comprehensive Loss	Noncontrolling Interests	Total
Balance (in shares) at Dec. 31, 2022		192.7
Beginning balance at Dec. 31, 2022		$ 2	$ 2,290.3	$ (284.5)	$ 2,446.6	$ (284.5)	$ 99.5	$ 4,269.4
Net income (loss)					52.6
Net income (loss)							4.3
Net income (loss)								56.9
Other comprehensive income (loss)						2.3	(0.6)	1.7
Stock-based compensation			20.7					20.7
Employee share purchase plan		0.2
Employee share purchase plan			10.7					10.7
Exercise of stock options		0.1
Exercise of stock options			0.5					0.5
Vesting of restricted stock units		0.3
Treasury stock purchased		(0.1)
Treasury stock purchased				(7.6)				(7.6)
Dividends to shareholders					(20.8)			(20.8)
Balance (in shares) at Mar. 31, 2023		193.2
Ending balance at Mar. 31, 2023		$ 2	2,322.3	(292.1)	2,478.4	(282.2)	103.2	4,331.5
Balance (in shares) at Dec. 31, 2022		192.7
Beginning balance at Dec. 31, 2022		$ 2	2,290.3	(284.5)	2,446.6	(284.5)	99.5	4,269.4
Net income (loss)	$ (212.2)
Net income (loss)	(200.3)
Other comprehensive income (loss)	32.8
Vesting of restricted stock units		0.7
Balance (in shares) at Sep. 30, 2023		193.7
Ending balance at Sep. 30, 2023		$ 2	2,386.6	(302.2)	2,172.3	(250.4)	101.6	4,109.9
Balance (in shares) at Mar. 31, 2023		193.2
Beginning balance at Mar. 31, 2023		$ 2	2,322.3	(292.1)	2,478.4	(282.2)	103.2	4,331.5
Net income (loss)					53.9
Net income (loss)							3.3
Net income (loss)								57.2
Other comprehensive income (loss)						79.6	(0.4)	79.2
Noncontrolling Interest, Decrease from Distributions to Noncontrolling Interest Holders							(5.9)	(5.9)
Stock-based compensation			23					23
Exercise of stock options			0.1					0.1
Vesting of restricted stock units		0.1
Treasury stock purchased				(2.3)				(2.3)
Dividends to shareholders					(20.8)			(20.8)
Balance (in shares) at Jun. 30, 2023		193.3
Ending balance at Jun. 30, 2023		$ 2	2,345.3	(294.4)	2,511.5	(202.6)	100.2	4,462
Net income (loss)	(318.8)				(318.8)
Net income (loss)							4.3
Net income (loss)	(314.4)							(314.4)
Other comprehensive income (loss)	$ (48.2)					(47.8)	(0.4)	(48.2)
Noncontrolling Interest, Decrease from Distributions to Noncontrolling Interest Holders							(2.6)	(2.6)
Stock-based compensation			25.5					25.5
Employee share purchase plan		0.2
Exercise of stock options			15.8					15.8
Vesting of restricted stock units	0.3	0.3
Treasury stock purchased		(0.1)
Treasury stock purchased				(7.8)				(7.8)
Dividends to shareholders					(20.5)			(20.5)
Balance (in shares) at Sep. 30, 2023		193.7
Ending balance at Sep. 30, 2023		$ 2	2,386.6	(302.2)	2,172.3	(250.4)	101.6	4,109.9
Balance (in shares) at Dec. 31, 2023		193.8
Beginning balance at Dec. 31, 2023	$ 4,105.5	$ 2	2,412.9	(302.9)	2,157.1	(260.9)	97.3	4,105.5
Net income (loss)					65.1
Net income (loss)							4.9
Net income (loss)								70
Other comprehensive income (loss)						(1.9)	(0.3)	(2.2)
Stock-based compensation			22.9					22.9
Employee share purchase plan		0.2
Employee share purchase plan			14.7					14.7
Vesting of restricted stock units		0.4
Treasury stock purchased		(0.1)
Treasury stock purchased				(10.6)				(10.6)
Dividends to shareholders					(23.1)			(23.1)
Balance (in shares) at Mar. 31, 2024		194.3
Ending balance at Mar. 31, 2024		$ 2	2,450.5	(313.5)	2,199.1	(262.8)	101.9	4,177.2
Balance (in shares) at Dec. 31, 2023		193.8
Beginning balance at Dec. 31, 2023	4,105.5	$ 2	2,412.9	(302.9)	2,157.1	(260.9)	97.3	4,105.5
Net income (loss)	218.2
Net income (loss)	231.6
Other comprehensive income (loss)	(29.8)
Vesting of restricted stock units		1
Balance (in shares) at Sep. 30, 2024		194.9
Ending balance at Sep. 30, 2024	4,321.2	$ 2	2,524.3	(333)	2,312.6	(289.5)	104.8	4,321.2
Balance (in shares) at Mar. 31, 2024		194.3
Beginning balance at Mar. 31, 2024		$ 2	2,450.5	(313.5)	2,199.1	(262.8)	101.9	4,177.2
Net income (loss)					85
Net income (loss)							4.7
Net income (loss)								89.7
Other comprehensive income (loss)						(33)	(0.3)	(33.3)
Noncontrolling Interest, Decrease from Distributions to Noncontrolling Interest Holders							(3.8)	(3.8)
Stock-based compensation			26.4					26.4
Treasury stock purchased				(0.8)				(0.8)
Dividends to shareholders					(18.1)			(18.1)
Balance (in shares) at Jun. 30, 2024		194.3
Ending balance at Jun. 30, 2024		$ 2	2,476.9	(314.3)	2,266	(295.8)	102.4	4,237.2
Net income (loss)	68				68
Net income (loss)							3.9
Net income (loss)	71.9							71.9
Other comprehensive income (loss)	$ 5.7					6.3	(0.6)	5.7
Noncontrolling Interest, Decrease from Distributions to Noncontrolling Interest Holders							(0.9)	(0.9)
Stock-based compensation			32.7					32.7
Employee share purchase plan		0.2
Employee share purchase plan			14.4					14.4
Exercise of stock options			0.3					0.3
Vesting of restricted stock units	0.6	0.6
Treasury stock purchased		(0.2)
Treasury stock purchased				(18.7)				(18.7)
Dividends to shareholders					(21.4)			(21.4)
Balance (in shares) at Sep. 30, 2024		194.9
Ending balance at Sep. 30, 2024	$ 4,321.2	$ 2	$ 2,524.3	$ (333)	$ 2,312.6	$ (289.5)	$ 104.8	$ 4,321.2

Significant Accounting and Repo

Significant Accounting and Reporting Policies	9 Months Ended
Significant Accounting and Reporting Policies	Sep. 30, 2024
Accounting Policies [Abstract]
Significant Accounting and Reporting Policies	Significant Accounting and Reporting Policies Basis of Presentation The accompanying unaudited Condensed Consolidated Financial Statements of TransUnion and subsidiaries have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial statements and, in our opinion, include all adjustments of a normal recurring nature necessary for a fair statement of the interim periods presented. All intercompany transactions and balances have been eliminated. As a result of displaying amounts in millions, rounding differences may exist in the financial statements and footnote tables. The interim results presented are not necessarily indicative of the results that may be expected for the full year ending December 31, 2024. The Company’s Consolidated Balance Sheet data for the year ended December 31, 2023 was derived from audited financial statements. Therefore, these unaudited consolidated financial statements should be read in conjunction with our audited financial statements and related notes included in our Annual Report on Form 10-K for the year ended December 31, 2023, filed with the Securities and Exchange Commission (“SEC”) on February 28, 2024. During the first quarter of 2024, we reorganized our operations to merge our Consumer Interactive operating segment with our U.S. Markets operating segment. This change aligns with our transformation plan for an integrated U.S. business with increased cross-selling activities and common enabling functions to achieve greater cost efficiencies. In addition, we changed the responsibility for certain international operations previously managed within the U.S. Markets segment to certain regions within the International segment. As a result, we have two operating segments, U.S. Markets and International, which are consistent with our reportable segments, and reflect the structure of the Company’s internal organization, the method by which the Company’s resources are allocated and the manner in which the chief operating decision maker assesses the Company’s performance. The reporting of certain revenue from the acquisition of Argus Information and Advisory Services, Inc. and Commerce Signals, Inc. (collectively, “Argus”), which was previously reported within our Financial Services vertical, is now reported in Emerging Verticals in the U.S. Markets operating segment. While this change does not impact our operating segments, it does impact our disaggregated revenue disclosures. We have recast our historical financial information presented in this Quarterly Report on Form 10-Q to reflect these changes and conform to our current operating structure. Unless the context indicates otherwise, any reference in this report to the “Company,” “we,” “our,” “us,” and “its” refers to TransUnion and its consolidated subsidiaries, collectively. For the periods presented, TransUnion does not have any material assets, liabilities, revenues, expenses or operations of any kind other than its ownership investment in TransUnion Intermediate Holdings, Inc. Revision of Previously Issued Financial Statements During 2023, the Company identified errors in the classification of certain costs between cost of services and selling, general and administrative in the Consolidated Statements of Operations. The errors resulted in an understatement of cost of services and an overstatement of selling, general and administrative in equal and offsetting amounts to previously issued quarterly and year-to-date financial statements in 2023, with no impact to total operating expenses, operating income or net income, and no impact on the Consolidated Balance Sheets, Consolidated Statements of Comprehensive Income, Consolidated Statements of Cash Flows or the Consolidated Statements of Stockholder’s Equity for any of those periods. The Company concluded that, while the expense classification errors were not material to any of its financial statements taken as a whole, it should revise the Consolidated Statements of Operations for the periods impacted. Accordingly, the Company has revised the previously issued Consolidated Statements of Operations for the three and nine months ended September 30, 2023 to correct for the errors as reflected in this Form 10-Q. A summary of the corrections to the impacted financial statement line items to the Company’s previously issued Consolidated Statements of Operations for each affected period is presented in Note 19, “Revision of Previously Issued Financial Statements.” Principles of Consolidation The consolidated financial statements of TransUnion include the accounts of TransUnion and all of its controlled subsidiaries. Investments in nonmarketable unconsolidated entities in which the Company is able to exercise significant influence are accounted for using the equity method. Investments in nonmarketable unconsolidated entities in which the Company is not able to exercise significant influence, our “Cost Method Investments,” are accounted for at our initial cost, minus any impairment, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. Use of Estimates The preparation of consolidated financial statements and related disclosures in accordance with GAAP requires management to make estimates and judgments that affect the amounts reported. We believe that the estimates used in preparation of the accompanying consolidated financial statements are reasonable, based upon information available to management at this time. These estimates and judgments affect the reported amounts of assets, liabilities and disclosure of contingent assets and liabilities at the balance sheet date, as well as the amounts of revenue and expense during the reporting period. Estimates are inherently uncertain and actual results could differ materially from the estimated amounts. Trade Accounts Receivable We base our allowance for doubtful accounts estimate on our historical loss experience, our current expectations of future losses, current economic conditions, an analysis of the aging of outstanding receivables and customer payment patterns, and specific reserves for customers in adverse financial condition or for existing contractual disputes. The following is a roll-forward of the allowance for doubtful accounts for the periods presented: Nine Months Ended September 30, 2024 2023 Beginning balance $ 16.4 $ 11.0 Provision for losses on trade accounts receivable 11.6 4.5 Write-offs, net of recovered accounts (9.8) (0.4) Ending balance $ 18.2 $ 15.1 Recently Adopted Accounting Pronouncements There are no recent accounting pronouncements that have been adopted by TransUnion in the third quarter of 2024. Recent Accounting Pronouncements Not Yet Adopted On November 27, 2023, the FASB issued Accounting Standards Update (“ASU”) 2023-07 , Segment Reporting (Topic 280), Improvements to Reportable Segment Disclosures . This ASU updates the requirements for segment reporting to include, among other things, disaggregating and quantifying significant segment expenses that are regularly provided to the chief operating decision maker (“CODM”) and included in the measure of segment profit, describing the nature of amounts not separately disaggregated, allowing for additional measures of a segment’s profit or loss used by the CODM when deciding how to allocate resources, and extending nearly all annual segment reporting requirements to quarterly reporting requirements. The update is effective for annual periods for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024, and requires retrospective application. The Company does not expect the adoption of the new guidance to have a material impact on its consolidated financial statements other than expanded footnote disclosure. On December 14, 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740), Improvements to Income Tax Disclosures . This ASU requires income tax disclosures to include consistent categories and greater disaggregation of information in the rate reconciliations and the disaggregation of income taxes paid by federal, state and foreign, and also for individual jurisdictions that are greater than 5% of total income taxes paid. The update is effective for annual periods for fiscal years beginning after December 15, 2024 on a prospective basis. Early adoption is permitted. We are currently assessing the impact of adopting the updated provisions.

Other Current Assets

Other Current Assets	9 Months Ended
Other Current Assets	Sep. 30, 2024
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Other Current Assets	Other Current Assets Other current assets consisted of the following: September 30, 2024 December 31, 2023 Prepaid expenses $ 134.9 $ 145.4 Marketable securities (Note 15) 2.8 2.7 Other (Note 17) 90.6 127.8 Total other current assets $ 228.2 $ 275.9

Goodwill

Goodwill	9 Months Ended
Goodwill	Sep. 30, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	. Goodwill Goodwill is allocated to our reporting units, which are an operating segment or one level below an operating segment. We test goodwill for impairment on an annual basis in the fourth quarter and monitor throughout the year for impairment triggering events that indicate that the carrying value of one or more of our reporting units exceeds its fair value. As discussed above in Note 1, “Significant Accounting and Reporting Policies,” we reorganized certain operations of our business during the first quarter of 2024, which resulted in changes to the expected cash flows for certain reporting units. As a result, we reallocated all of the goodwill from the Consumer Interactive segment to the U.S. Markets segment and also reallocated a portion of the goodwill from the U.S. Markets segment to certain reporting units in the International segment, including the United Kingdom reporting unit, using the relative fair value allocation approach as reflected in the tables below. We assessed the recoverability of the goodwill of the impacted reporting units before and after the reallocation and concluded there was no impairment to goodwill for any of the reporting units impacted by the reorganization. As of March 31, 2024, the fair value of our United Kingdom reporting unit was marginally greater than its carrying value as a result of the impairment recorded in the three months ended September 30, 2023, and the re-allocation of goodwill from the segment reorganization discussed above. We believe the assumptions that we used in our impairment assessment for our United Kingdom reporting unit in the first quarter of 2024 are reasonable and consistent with assumptions that would be used by other marketplace participants. However, such assumptions are inherently uncertain, and a change in assumptions could change the estimated fair value of our United Kingdom reporting unit. Therefore, future impairments of our United Kingdom reporting unit could be required, which could be material to the consolidated financial statements. Aside from the segment reorganization in the first quarter of 2024 discussed above, there have been no triggering events during the nine months ended September 30, 2024 that have required us to re-evaluate whether any of our reporting units were impaired. Goodwill allocated to our reportable segments and changes in the carrying amount of goodwill during the nine months ended September 30, 2024, consisted of the following: U.S. Markets International Consumer Interactive Total Balance, December 31, 2023 $ 3,602.8 $ 894.1 $ 679.1 $ 5,176.0 Reallocation of goodwill from segment reorganization 655.6 23.5 (679.1) — Foreign exchange rate adjustment 0.3 8.2 — 8.5 Balance, September 30, 2024 $ 4,258.7 $ 925.8 $ — $ 5,184.5 The gross and net goodwill balances at each period were as follows: September 30, 2024 December 31, 2023 Gross Goodwill Accumulated Impairment Net Goodwill Gross Goodwill Accumulated Impairment Net Goodwill U.S Markets $ 4,258.7 $ — $ 4,258.7 $ 3,602.8 $ — $ 3,602.8 International 1,339.8 (414.0) 925.8 1,308.1 (414.0) 894.1 Consumer Interactive — — — 679.1 — 679.1 Total $ 5,598.5 $ (414.0) $ 5,184.5 $ 5,590.0 $ (414.0) $ 5,176.0

Intangible Assets

Intangible Assets	9 Months Ended
Intangible Assets	Sep. 30, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Intangible Assets	. Intangible Assets Intangible assets are initially recorded at their acquisition cost, at relative fair value if acquired as part of an asset acquisition, or at fair value if acquired as part of a business combination, and amortized over their estimated useful lives. Intangible assets consisted of the following: September 30, 2024 December 31, 2023 Gross Accumulated Net Gross Accumulated Net Customer relationships $ 2,068.6 $ (539.8) $ 1,528.8 $ 2,060.2 $ (451.6) $ 1,608.6 Internal use software 2,349.0 (1,398.1) 951.0 2,204.5 (1,239.7) 964.8 Database and credit files 1,395.7 (907.4) 488.3 1,372.2 (829.2) 543.0 Trademarks, copyrights and patents 587.6 (200.0) 387.7 587.7 (188.8) 398.9 Noncompete and other agreements 11.7 (10.5) 1.2 10.5 (10.5) — Total intangible assets $ 6,412.7 $ (3,055.8) $ 3,356.9 $ 6,235.1 $ (2,719.8) $ 3,515.3 Changes in the carrying amount of intangible assets between periods consisted of the following: Gross Accumulated Amortization Net Balance, December 31, 2023 $ 6,235.1 $ (2,719.8) $ 3,515.3 Developed internal use software 151.7 — 151.7 Acquired intangible assets 5.5 — 5.5 Amortization — (334.4) (334.4) Disposals and retirements (13.8) 13.5 (0.3) Foreign exchange rate adjustment 34.2 (15.1) 19.1 Balance, September 30, 2024 $ 6,412.7 $ (3,055.8) $ 3,356.9 All amortizable intangible assets are amortized on a straight-line basis, which approximates the pattern of benefit, over their estimated useful lives.

Other Assets

Other Assets	9 Months Ended
Other Assets	Sep. 30, 2024
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Other Assets	Other Assets Other assets consisted of the following: September 30, 2024 December 31, 2023 Investments in affiliated companies (Note 6) $ 292.3 $ 291.4 Right-of-use lease assets (Note 8) 57.5 98.9 Interest rate swaps (Notes 10 and 15) 93.4 162.3 Note receivable (Note 15) 87.8 82.0 Other 130.1 104.8 Total other assets $ 661.1 $ 739.4 Right-of-use lease assets decreased as a result of a lease termination during the three months ended September 30, 2024, see further discussion in Note 8, “Restructuring.”

Investments in Affiliated Compa

Investments in Affiliated Companies	9 Months Ended
Investments in Affiliated Companies	Sep. 30, 2024
Investments in and Advances to Affiliates, Schedule of Investments [Abstract]
Equity Method Investments and Joint Ventures Disclosure	Investments in Affiliated Companies Investments in affiliated companies represent our investment in non-consolidated domestic and foreign entities. These entities are in businesses similar to ours. For equity method investments, we adjust the carrying value for our proportionate share of the affiliates’ earnings, losses and distributions, as well as for purchases and sales of our ownership interest. For our Cost Method Investments, we adjust the carrying value for any purchases or sales of our ownership interests, less any impairments, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer. We record any dividends received from these investments as other income in non-operating income and expense. We have elected to account for our investment in a limited partnership using the net asset value fair value practical expedient. Gains and losses on this investment are included in other income and expense in the Consolidated Statements of Operations. Investments in affiliated companies consisted of the following: September 30, 2024 December 31, 2023 Cost Method Investments $ 241.8 $ 233.8 Equity method investments 46.8 53.9 Limited partnership investment 3.7 3.7 Total investments in affiliated companies (Note 5) $ 292.3 $ 291.4 These balances are included in other assets in the Consolidated Balance Sheets. The increase in Cost Method Investments includes a $6.4 million gain on a Cost Method Investment in our International segment resulting from an observable price change for a similar investment of the same issuer. Earnings from equity method investments, w hich are incl uded in other non-operating income and expense, and dividends received from equity method investments consisted of the following: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Earnings from equity method investments (Note 16) $ 4.7 $ 3.7 $ 14.0 $ 11.7 Dividends received from equity method investments — — 15.6 17.2

Other Current Liabilities

Other Current Liabilities	9 Months Ended
Other Current Liabilities	Sep. 30, 2024
Payables and Accruals [Abstract]
Other Current Liabilities	Other Current Liabilities Other current liabilities consisted of the following: September 30, 2024 December 31, 2023 Accrued payroll and employee benefits $ 212.8 $ 216.2 Accrued legal and regulatory matters (Note 17) 110.5 147.8 Deferred revenue (Note 12) 134.3 125.1 Accrued restructuring (Note 8) 23.0 64.9 Operating lease liabilities (Note 8) 23.2 26.2 Income taxes payable 19.4 10.2 Other 86.6 71.5 Total other current liabilities $ 609.8 $ 661.8

Restructuring

Restructuring	3 Months Ended
Restructuring	Sep. 30, 2024
Restructuring and Related Activities [Abstract]
Restructuring	Restructuring On November 12, 2023, our Board of Directors (“Board”) approved a transformation plan to optimize our operating model and continue to advance our technology. The t ransformation plan includes an operating model optimization program that will eliminate certain roles, transition certain job responsibilities to global capability centers, and reduce our facility footprint. The Company expects to record pre-tax expenses associated with the operating model optimization program of approximately $155.0 million from the fourth quarter of 2023 through the end of 2025, consisting of approximately $110.0 million of employee separation expenses and $45.0 million of facility exit expenses, with a majority of the expenses to be incurred by the end of 2024. To date, we have incurred a total of $142.1 million, including $66.8 million recorded in the first nine months of 2024. In July 2024, as part of the transformation plan, the Company entered into an agreement to terminate a facility lease with an effective date of July 31, 2024. The Company accounted for the agreement as a modification to the existing lease. The termination of the lease resulted in the payment of a $30.0 million early termination penalty during the three months ended September 30, 2024. The Company recognized a loss on early termination of the lease of $40.5 million, which includes expense of $12.4 million principally associated with leasehold improvements in connection with terminating the lease. The following table summarizes the expenses recorded in the three and nine months ended September 30, 2024. Three Months Ended September 30, 2024 Nine Months Ended September 30, 2024 Employee separation $ — $ 24.7 Facility exit 40.5 42.1 Total restructuring expenses $ 40.5 $ 66.8 The following table summarizes the changes in accrued restructuring during the nine months ended September 30, 2024, which are included in other current liabilities on the Consolidated Balance Sheets. Employee Separation Costs Balance, December 31, 2023 $ 64.9 Restructuring expense 24.7 Cash payments (66.5) Foreign exchange rate adjustment (0.1) Balance, September 30, 2024 (Note 7) $ 23.0 All restructuring expenses have been recorded in the Corporate unit, as these initiatives are predominantly centrally directed and controlled and are not included in internal measures of segment operating performance.

Other Liabilities

Other Liabilities	9 Months Ended
Other Liabilities	Sep. 30, 2024
Other Liabilities Disclosure [Abstract]
Other Liabilities Disclosure	Other Liabilities Other liabilities consisted of the following: September 30, 2024 December 31, 2023 Operating lease liabilities (Note 8) $ 43.0 $ 81.8 Unrecognized tax benefits, net of indirect tax effects (Note 14) 43.2 40.2 Deferred revenue (Note 12) 16.2 15.1 Other 17.8 16.1 Total other liabilities $ 120.2 $ 153.2 Operating lease liabilities decreased as a result of a lease termination during the nine months ended September 30, 2024, see further discussion in Note 8, “Restructuring.”

Debt

Debt	9 Months Ended
Debt	Sep. 30, 2024
Debt Disclosure [Abstract]
Debt Disclosure	Debt Debt outstanding consisted of the following: September 30, 2024 December 31, 2023 Senior Secured Term Loan B-5, due in full at maturity (November 15, 2026), with periodic variable interest at Term SOFR plus a credit spread adjustment, or alternate base rate, plus applicable margin (6.70% at September 30, 2024 and 7.21% at December 31, 2023), net of original issue discount and deferred financing fees of $0.3 million and $1.0 million, respectively, at September 30, 2024, and of $1.9 million and $4.6 million, respectively, at December 31, 2023 $ 573.2 $ 2,179.4 Senior Secured Term Loan A-4, payable in quarterly installments through June 24, 2029, with periodic variable interest at Term SOFR plus a credit spread adjustment (until the refinancing on June 24, 2024), or alternate base rate, plus applicable margin (6.35% at September 30, 2024 and 6.96% at December 31, 2023), net of original issue discount and deferred financing fees of $0.4 million and $3.5 million, respectively, at September 30, 2024, and of $0.4 million and $3.4 million, respectively, at December 31, 2023 1,279.9 1,296.1 Senior Secured Term Loan B-8, payable in quarterly installments through June 24, 2031, with periodic variable interest at Term SOFR, or alternate base rate, plus applicable margin (6.60% at September 30, 2024), net of original issue discount and deferred financing fees of $4.2 million and $5.4 million, respectively, at September 30, 2024 1,486.6 — Senior Secured Term Loan B-7, payable in quarterly installments through December 1, 2028, with periodic variable interest at Term SOFR, or alternate base rate, plus applicable margin (6.85% at September 30, 2024), net of original issue discount and deferred financing fees of $7.1 million and $16.7 million, respectively, at September 30, 2024 1,861.7 — Senior Secured Term Loan B-6, refinanced with B-7 loans, with periodic variable interest at Term SOFR plus a credit spread adjustment, or alternate base rate, plus applicable margin (7.72% at December 31, 2023) and original issue discount and deferred financing fees of $3.5 million and $20.0 million, respectively, at December 31, 2023 — 1,864.8 Finance leases — 0.1 Senior Secured Revolving Credit Facility — — Total debt 5,201.4 5,340.4 Less short-term debt and current portion of long-term debt (66.5) (89.6) Total long-term debt $ 5,134.9 $ 5,250.8 Senior Secured Credit Facility On June 15, 2010, we entered into a Senior Secured Credit Facility with various lenders. This facility has been amended several times and currently consists of the Senior Secured Term Loan B-8, Senior Secured Term Loan B-7, Senior Secured Term Loan B-5, Senior Secured Term Loan A-4 (collectively, the “Senior Secured Term Loans”), and the Senior Secured Revolving Credit Facility. On October 27, 2023, we executed Amendment No. 21 to the Senior Secured Credit Facility, pursuant to which we entered into Senior Secured Term Loan A-4 with an aggregate principal amount of $1.3 billion, the proceeds of which were used to repay Senior Secured Term Loan A-3 in full, repay $300.0 million of Senior Secured Term Loan B-6, and pay the related financing fees and expenses. In addition, we increased the borrowing capacity on the Senior Secured Revolving Credit Facility from $300.0 million to $600.0 million and extended the maturity date from December 10, 2024 to October 27, 2028. On February 8, 2024, we executed Amendment No. 22 to the Senior Secured Credit Facility, pursuant to which we entered into Senior Secured Term Loan B-7 with an aggregate principal amount of $1.9 billion, the proceeds of which were used to repay Senior Secured Term Loan B-6 in full and pay the related financing fees and expenses. In connection with the refinancing, we incurred incremental deferred financing fees of $4.7 million that will be amortized over the new loan term. Senior Secured Term Loan B-7 is a syndicated debt instrument. As a result of the refinancing, we repaid $257.1 million of principal to exiting lenders and to lenders where the refinancing resulted in a reduction in principal and received $264.1 million of proceeds from new lenders and additional principal from existing lenders. On June 24, 2024, we executed Amendment No. 23 to the Senior Secured Credit Facility, pursuant to which we entered into Senior Secured Term Loan B-8 with an aggregate principal amount of $1.5 billion, the proceeds of which were used to repay a portion of Senior Secured Term Loan B-5. The maturity date of the Senior Secured Credit Facility and Senior Secured Term Loan A-4 were also extended from October 27, 2028 to June 24, 2029, subject to a springing maturity of 91 days prior to the maturity date of certain long-term indebtedness, if, on such date, the principal amount of such indebtedness exceeds $250 million, and the credit spread adjustment was removed from the periodic interest rate for both instruments. In connection with the refinancing, we incurred incremental deferred financing fees of $8.7 million that will be amortized over the new loan terms. Senior Secured Term Loan B-8 is a syndicated debt instrument. As a result of the refinancing, we repaid $670.8 million of principal to exiting lenders and to lenders where the refinancing resulted in a reduction in principal and received $670.8 million of proceeds from new lenders and additional principal from existing lenders. In connection with these refinancings, during the nine months ended September 30, 2024 , we expensed $8.9 million of the unamortized original issue discount, deferred financing fees, and other related fees to other income and expense in the Consolidated Statements of Operations. During the three and nine months ended September 30, 2024, we prepaid $25.0 million and $105.0 million, respectively, of our Senior Secured Term Loan B-5, funded from cash-on-hand, and expensed $0.1 million and $0.3 million, respectively, of the unamortized original issue discount and deferred financing fees, to other income and expense in the Consolidated Statements of Operations. During the three and nine months ended September 30, 2023, we prepaid $75.0 million and $225.0 million, respectively, of our Senior Secured Term Loan B-6, funded from cash-on-hand. As a result, we expensed $1.0 million and $3.1 million, respectively, of the unamortized original issue discount and deferred financing fees to other income and expense in our Consolidated Statements of Operations. As of September 30, 2024, we had no outstanding balance under the Senior Secured Revolving Credit Facility and $1.2 million of outstanding letters of credit, and could have borrowed up to the remaining $598.8 million available. TransUnion also has the ability to request incremental loans on the same terms under the Senior Secured Credit Facility up to the sum of the greater of $1,000.0 million and 100% of Consolidated EBITDA, minus the amount of secured indebtedness and the amount incurred prior to the incremental loan, and may incur additional incremental loans so long as the senior secured net leverage ratio does not exceed 4.25-to-1, subject to certain additional conditions and commitments by existing or new lenders to fund any additional borrowings. With certain exceptions, the Senior Secured Credit Facility obligations are secured by a first-priority security interest in substantially all of the assets of Trans Union LLC, including its investment in subsidiaries. The Senior Secured Credit Facility contains various restrictions and nonfinancial covenants, along with a senior secured net leverage ratio test. The nonfinancial covenants include restrictions on dividends, investments, dispositions, future borrowings and other specified payments, as well as additional reporting and disclosure requirements. The senior secured net leverage test must be met as a condition to incur additional indebtedness, make certain investments, and may be required to make certain restricted payments. The senior secured net leverage ratio must not exceed 5.5-to-1 at any such measurement date. Under the terms of the Senior Secured Credit Facility, TransUnion may make dividend payments up to the greater of $100 million or 10.0% of Consolidated EBITDA per year, or an unlimited amount provided that no default or event of default exists and so long as the total net leverage ratio does not exceed 4.75-to-1. As of September 30, 2024, we were in compliance with all debt covenants. Interest Rate Hedging In September 2024, we entered into interest rate swap agreements with various counterparties that effectively fix our variable interest rate exposure on a portion of our Senior Secured Term Loan or similar replacement debt. The swaps commence on December 31, 2024, and expire on December 31, 2027, with a current aggregate notional amount of $400.0 million that amortizes each quarter beginning in the first quarter 2025. The swaps require us to pay fixed rates varying between 3.0650% and 3.1495% in exchange for receiving a variable rate that matches the variable rate on our loans. We have designated these swap agreements as cash flow hedges. On November 16, 2022, we entered into interest rate swap agreements with various counterparties that effectively fix our variable interest rate exposure on a portion of our Senior Secured Term Loan or similar replacement debt. The swaps commenced on December 30, 2022, and expire on December 31, 2024, with a current aggregate notional amount of $1,285.0 million that amortizes each quarter. The swaps require us to pay fixed rates varying between 4.3380% and 4.3870% in exchange for receiving a variable rate that matches the variable rate on our loans. We have designated these swap agreements as cash flow hedges. On December 23, 2021, we entered into interest rate swap agreements with various counterparties that effectively fix our variable interest rate exposure on a portion of our Senior Secured Term Loan or similar replacement debt. The swaps commenced on December 31, 2021, and expire on December 31, 2026, with a current aggregate notional amount of $1,556.0 million that amortizes each quarter. The swaps require us to pay fixed rates varying between 1.3800% and 1.3915% in exchange for receiving a variable rate that matches the variable rate on our loans. We have designated these swap a greements as cash flow hedges. On March 10, 2020, we entered into interest rate swap agree ments with various counterparties that effectively fix our variable interest rate exposure on a portion of our Senior Secured Term Loans or similar replacement debt. The swaps commenced on June 30, 2022, and expire on June 30, 2025, with a current aggregate notional amount of $1,065.0 million that amortizes each quarter. The swaps require us to pay fixed rates varying between 0.8680% and 0.8800% in exchange for receiving a variable rate that matches the variable rate on our loans. We have designated these swap agreements as cash flow hedges. The net change in the fair value of our hedging instruments included in our assessment of hedge effectiveness is recorded in other comprehensive income, and is reclassified to interest expense when the corresponding hedged interest affects earnings. The table below summarizes the changes in our hedging instruments and the impact on other comprehensive income. Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Net gain / (loss) on fair value of swaps recorded to other comprehensive income, gross $ (63.6) $ 2.0 $ (68.9) $ (2.7) Net gain / (loss) on fair value of swaps recorded to other comprehensive income, net of tax (47.7) 1.5 (51.7) (2.0) Gain on swaps reclassified to interest expense, gross 30.9 30.8 92.8 81.1 Gain on swaps reclassified to interest expense, net of tax recorded to income tax expense 23.2 23.1 69.6 60.9 We expect to recognize a gain of approximately $77.2 million as a reduction to interest expense due to our expectation that the variable rate that we receive will exceed the fixed rates of interest over the next twelve months. Fair Value of Debt The fair values of our variable-rate term loans are determined using Level 2 inputs, based on quoted market prices for the publicly traded instruments. All fair value amounts in the table below, as of the indicated dates, exclude original issue discounts and deferred fees. September 30, 2024 December 31, 2023 Fair value of Senior Secured Term Loan B-5 $ 568.0 $ 2,191.5 Fair value of Senior Secured Term Loan A-4 1,262.9 1,291.9 Fair value of Senior Secured Term Loan B-8 1,495.3 — Fair value of Senior Secured Term Loan B-7 1,886.7 — Fair value of Senior Secured Term Loan B-6 — 1,895.1 Fair value of Senior Secured Term Loans $ 5,212.9 $ 5,378.5

Stockholders' Equity

Stockholders' Equity	9 Months Ended
Stockholders' Equity	Sep. 30, 2024
Equity, Attributable to Parent [Abstract]
Stockholders' Equity Note Disclosure	Stockholders’ Equity Common Stock Dividends In the first, second and third quarter of 2024, we paid dividends of $0.105 per share totaling $20.8 million, $20.4 million and $20.9 million, respectively. In the first, second and third quarters of 2023, we paid dividends of $0.105 per share totaling $20.8 million, $20.8 million, and $20.5 million, respectively. Dividen ds declared accrue to outstanding restricted stock units and are paid to employees as dividend equivalents when the restricted s tock units vest. Any determination to pay dividends in the future will be at the discretion of our Board and will depend on a number of factors, including our liquidity, results of operations, financial condition, contractual restrictions, restrictions imposed by applicable law and other factors our Board deems appropriate. We currently have capacity and intend to continue to pay a quarterly dividend, subject to approval by our Board. Treasury Stock On February 13, 2017, ou r Board authorized the repurchase of up to $300.0 million of our common stock over the next 3 years. Our Board removed the three-year time limitation on February 8, 2018. To date, we have repurchased $133.5 million of our common stock and have the ability to repurchase the remaining $166.5 million. We have no obligation to repurchase additional shares. Any determination to repurchase a dditional shares will be at the discretion of management and will depend on a number of factors, including our liquidity, results of operations, financial condition, contractual restrictions, restrictions imposed by applicable law, market conditions, the cost of repurchasing shares, the availability of alternative investment opportunities, and other factors management deems appropriate. Any repurchased shares will have the status of treasury shares and may be used, if and when needed, for general corporate purposes. For the three months ended September 30, 2024 and 2023, 0.6 million and 0.3 million outstanding employee restricted stock units vested and became taxable to the employees, respectively. For the nine months ended September 30, 2024 and 2023, 1.0 million and 0.7 million outstanding employee restricted stock units vested and became taxable to the employees, respectively. Employees satisfy their payroll tax withholding obligations in a net share settlement arrangement with the Company that is recorded as treasury stock. Preferred Stock

Revenue

Revenue	9 Months Ended
Revenue	Sep. 30, 2024
Revenue [Abstract]
Revenue	Revenue We have contracts with two general groups of performance obligations: Stand Ready Performance Obligations and Other Performance Obligations. Our Stand Ready Performance Obligations include obligations to stand ready to provide data, process transactions, access our databases, software-as-a-service and direct-to-consumer products, provide rights to use our intellectual property and other services. Our Other Performance Obligations include the sale of certain batch data sets and various professional and other services. Most of our Stand Ready Performance Obligations consist of a series of distinct goods and services that are substantially the same and have the same monthly pattern of transfer to our customers. We consider each month of service in this time series to be a distinct performance obligation and, accordingly, recognize revenue over time. For a majority of these Stand Ready Performance Obligations, the total contractual price is variable because our obligation is to process an unknown quantity of transactions, as and when requested by our customers, over the contract period. We allocate the variable price to each month of service using the time-series concept and recognize revenue based on the most likely amount of consideration to which we will be entitled , which is generally the amount we have the right to invoice. This monthly amount can be based on the actual volume of units delivered or a guaranteed minimum, if higher. Occasionally we have contracts where the amount we will be entitled to for the transactions processed is uncertain, in which case we estimate the revenue based on what we consider to be the most likely amount of consideration we will be entitled to and adjust any estimates as facts and circumstances evolve. For all contracts that include a Stand Ready Performance Obligation with variable pricing, we are unable to estimate the variable price attributable to future performance obligations because the number of units to be purchased is not known. As a result, we use the exception available to forgo disclosures about revenue attributable to the future performance obligations where we recognize revenue using the time-series concept as discussed above, including those qualifying for the right to invoice practical expedient. We also use the exception available to forgo disclosures about revenue attributable to contracts with expected durations of one year or less. Certain of our Other Performance Obligations, including certain batch data sets and certain professional and other services, are delivered at a point in time. Accordingly, we recognize revenue upon delivery once we have satisfied that obligation. For certain Other Performance Obligations, including certain professional and other services, we recognize revenue over time, based on an estimate of progress towards completion of that obligation. These contracts are not material. In certain circumstances we apply the revenue recognition guidance to a portfolio of contracts with similar characteristics. We use estimates and assumptions when accounting for a portfolio that reflect the size and composition of the portfolio of contracts. Our contracts include standard commercial payment terms generally acceptable in each region, and do not include financing with extended payment terms. We have no significant obligations for refunds, warranties, or similar obligations . Our revenue does not include taxes collected from our customers. Accounts receivable are shown separately on our balance sheet. Contract assets and liabilities result due to the timing of revenue recognition, billings and cash collections. Contract assets include our right to payment for goods and services already transferred to a customer when the right to payment is conditional on something other than the passage of time, for example, contracts pursuant to which we recognize revenue over time but do not have a contractual right to payment until we complete the contract. Contract assets are included in our other current assets and are not material as of September 30, 2024 and December 31, 2023. As most of our contracts with customers have a duration of one year or less, our contract liabilities consist of deferred revenue that is primarily short-term in nature. Contract liabilities include current and long-term deferred revenue that is included in other current liabilities and other liabilities. We expect to recognize the December 31, 2023 current deferred revenue balance as revenue during 2024. The majority of our long-term deferred revenue, which is not material, is expected to be recognized in less than two years. We have certain contracts that have a duration of more than one year. For these contracts, the transaction price allocable to the future performance obligations is primarily fixed but contains a variable component. As of September 30, 2024, the aggregate amount of transaction price attributable to future performance obligations for long-term, non-cancelable contracts, excluding variable components, totals approximately $670 million. We expect to recognize approximately 55% of this amount in the twelve months ending September 30, 2025, 30% in the twelve months ending September 30, 2026 and 15% thereafter. For additional disclosures about the disaggregation of our revenue see Note 16, “Reportable Segments.”

Earnings Per Share

Earnings Per Share	9 Months Ended
Earnings Per Share	Sep. 30, 2024
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the reported period. Diluted earnings per share reflects the effect of the increase in shares outstanding determined by using the treasury stock method for awards issued under our incentive stock plans. As of September 30, 2024 and 2023, there were less than 0.1 million and 1.3 million anti-dilutive weighted stock-based awards outstanding, respectively. As of September 30, 2024 and 2023, there were approximately 0.2 million and 0.5 million, respectively, contingently-issuable performance-based stock awards outstanding that were excluded from the diluted earnings per share calculation, because the contingencies had not been met. Income from continuing operations attributable to TransUnion and basic and diluted weighted average shares outstanding were as follows: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Income (loss) from continuing operations $ 71.9 $ (313.9) $ 231.6 $ (199.6) Less: income from continuing operations attributable to noncontrolling interests (3.9) (4.3) (13.4) (11.9) Income (loss) from continuing operations attributable to TransUnion $ 68.0 $ (318.3) $ 218.2 $ (211.5) Weighted-average shares outstanding: Basic 194.6 193.4 194.3 193.3 Dilutive impact of stock based awards 2.4 — 2.0 — Diluted 197.0 193.4 196.3 193.3

Income Taxes

Income Taxes	9 Months Ended
Income Taxes	Sep. 30, 2024
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes For the three months ended September 30, 2024, we reported an effective tax rate of 25.7%, which was higher than the 21.0% U.S. federal corporate statutory rate primarily due to foreign withholding taxes, jurisdictional mix of income, and uncertain tax positions, partially offset by benefits from the research and development credit. For the nine months ended September 30, 2024, we reported an effective tax rate of 22.9%, which was higher than the 21.0% U.S. federal corporate statutory rate primarily due to foreign withholding taxes, nondeductible expenses primarily in connection with executive compensation limitations and uncertain tax positions, partially offset by benefits from the research and development credit and the remeasurement of deferred taxes due to changes in state apportionment rates. For the three and nine months ended September 30, 2023, we reported an effective tax rate of (7.6)% and (43.1)%, respectively, which was lower than the 21.0% U.S. federal corporate statutory rate primarily due to the impact of non-deductible goodwill impairment . The gross amount of unrecognized tax benefits, which excludes indirect tax effects, was $48.5 million as of September 30, 2024 , and $45.0 million as of December 31, 2023. The amounts that would affect the effective tax rate if recognized were $37.5 million as of September 30, 2024 and $34.5 million as of December 31, 2023. We classify interest and penalties as income tax expense in the Consolidated Statements of Operations and their associated liabilities as other liabilities in the Consolidated Balance Sheets. Interest and penalties on unrecognized tax benefits were $17.9 million as of September 30, 2024 and $14.0 million as of December 31, 2023. We are regularly audited by federal, state and foreign taxing authorities. Given the uncertainties inherent in the audit process, it is reasonably possible that certain audits could result in a significant increase or decrease in the total amounts of unrecognized tax benefits. An estimate of the range of the increase or decrease in unrecognized tax benefits due to audit results cannot be made at this time. Tax years 2009 and forward remain open for examination in some foreign jurisdictions, 2012 and forward for U.S. federal income tax purposes and 2015 and forward in some state jurisdictions.

Fair Value

Fair Value	9 Months Ended
Fair Value	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value	Fair Value The following table summarizes financial instruments measured at fair value, on a recurring basis, as of September 30, 2024: Total Level 1 Level 2 Level 3 Assets Interest rate swaps (Notes 5 and 10) $ 93.4 $ — $ 93.4 $ — Note receivable (Note 5) 87.8 — 87.8 — Available-for-sale marketable securities (Note 2) 2.8 — 2.8 — Total $ 184.0 $ — $ 184.0 $ — The following table summarizes financial instruments measured at fair value, on a recurring basis, as of December 31, 2023: Total Level 1 Level 2 Level 3 Assets Interest rate swaps (Notes 5 and 10) $ 162.3 $ — $ 162.3 $ — Note receivable (Note 5) 82.0 — 82.0 — Available-for-sale marketable securities (Note 2) 2.7 — 2.7 — Total $ 247.0 $ — $ 247.0 $ — Level 2 instruments consist of foreign exchange-traded corporate bonds, interest rate swaps and notes receivable. Foreign exchange-traded corporate bonds are available-for-sale debt securities valued at their current quoted prices. These securities mature between 2027 and 2033. Unrealized gains and losses on available-for-sale debt securities, which are not material, are included in other comprehensive income. The interest rate swaps fair values are determined using the market standard methodology of discounting the future expected net cash receipts or payments that would occur if variable interest rates rise above or fall below the fixed rates of the swaps. The variable interest rates used in the calculations of projected receipts on the swaps are based on an expectation of future interest rates derived from observable market interest rate curves and volatilities. As discussed in Note 10, “Debt,” there are three tranches of interest rate swaps. In December 2022, we sold the non-core businesses acquired in our acquisition of Verisk Financial Services (“VF”). A portion of the consideration was in the form of a $72.0 million note receivable. The note receivable accrues interest semiannually at a per annum rate of 10.6%; both the principal and accrued interest are payable at maturity. The note matures on June 30, 2025, subject to an option of the note issuer to extend the maturity date for two successive terms of three months each, at an increased rate of interest at each extension, and is classified as long-term until there is certainty regarding the timing of repayment. The note was initially recorded at fair value of $70.3 million using an income approach for fixed income securities, where contractual cash flows were discounted to present value at a risk-adjusted rate of return in a lattice model framework. The fair value of the note is determined each period by applying the same approach, considering changes to the risk-adjusted rate of return given observed changes to the interest rate environment, market pricing of credit risk, and issuer-specific credit risk.

Reportable Segments

Reportable Segments	9 Months Ended
Reportable Segments	Sep. 30, 2024
Segment Reporting [Abstract]
Segment Reporting Disclosure	Reportable Segments As discussed in Note 1, “Significant Accounting and Reporting Policies,” during the first quarter of 2024, we reorganized our operations into two operating segments, U.S. Markets and International, and the Corporate unit, which provides support services to each of the segments. The Company’s operating segments, which are consistent with its reportable segments, reflect the structure of the Company’s internal organization, the method by which the Company’s resources are allocated and the manner by which the CODM assesses the Company’s performance. Our CODM uses the profit measure of Adjusted EBITDA, on both a consolidated and a segment basis, to allocate resources and assess performance of our segments. We use Adjusted EBITDA as our profit measure because it eliminates the impact of certain items that we do not consider indicative of operating performance, which is useful to compare operating results between periods. Our Board and executive management team also use Adjusted EBITDA as a compensation measure for both segment and corporate management under our incentive compensation plans. Adjusted EBITDA is also a measure frequently used by securities analysts, investors and other interested parties in their evaluation of the operating performance of companies similar to ours. The segment financial information below has been recast to conform to our current operating structure as discussed in Note 1, “Significant Accounting and Reporting Policies” and Note 3, “Goodwill.” The accounting policies of the segments are the same as described in Note 1, “Significant Accounting and Reporting Policies” and Note 12, “Revenue.” The following is a more detailed description of our reportable segments and the Corporate unit: U.S. Markets The U.S. Markets segment provides consumer reports, actionable insights and analytics to businesses and consumers. Businesses use our services to acquire customers, assess consumers’ ability to pay for services, identify cross-selling opportunities, measure and manage debt portfolio risk, collect debt, verify consumer identities, mitigate fraud risk and respond to data breach events. Consumers use our services to manage their personal finances and take precautions against identity theft. We report disaggregated revenue of our U.S. Markets segment for Financial Services, Emerging Verticals and Consumer Interactive. • Financial Services: The Financial Services vertical consists of our Consumer Lending, Mortgage, Auto and Card and Banking lines of business. Our Financial Services clients consist of most banks, credit unions, finance companies, auto lenders, mortgage lenders, FinTechs, and other consumer lenders in the United States. We also distribute our solutions through most major resellers, secondary market players and sales agents. Beyond traditional lenders, we work with a variety of credit arrangers, such as auto dealers and peer-to-peer lenders. We provide solutions across every aspect of the lending lifecycle; customer acquisition and engagement, fraud and ID management, retention and recovery. Our products are focused on mitigating risk and include credit reporting, credit marketing, analytics and consulting, identity verification and authentication and debt recovery solutions. • Emerging Verticals: Emerging Verticals include Insurance, Tech, Retail and E-Commerce, Telecommunications, Media, Tenant & Employment Screening, Collections, and Public Sector. Our solutions in these verticals are also data-driven and address the entire customer lifecycle. We offer onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions and customer retention solutions. • Consumer Interactive: Consumer Interactive provides solutions that help consumers manage their personal finances and take precautions against identity theft. Services include paid and free credit reports, scores and freezes, credit monitoring, identity protection and resolution, and financial management for consumers. This vertical also provides solutions that help businesses respond to data breach events. Our products are provided through user-friendly online and mobile interfaces and are supported by educational content and customer support. Our Consumer Interactive vertical serves consumers through both direct and indirect channels. International The International segment provides services similar to our U.S. Markets segment to businesses in select regions outside the United States. Depending on the maturity of the credit economy in each country, services may include credit reports, analytics and solutions services, and other value-added risk management services. In addition, we have insurance, business and automotive databases in select geographies. These services are offered to customers in a number of industries including financial services, insurance, automotive, collections, and communications, and are delivered through both direct and indirect channels. The International segment also provides consumer services similar to those offered by our Consumer Interactive vertical in our U.S. Markets segment that help consumers proactively manage their personal finances and take precautions against identity theft. We report disaggregated revenue of our International segment for the following regions: Canada, Latin America, the United Kingdom, Africa, India, and Asia Pacific. Corporate Corporate provides support services for each of the segments, holds investments, and conducts enterprise functions. Certain costs incurred in Corporate that are not directly attributable to one or more of the segments remain in Corporate. These costs are typically enterprise-level costs and are primarily administrative in nature. Selected segment financial information and disaggregated revenue consisted of the following: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Gross Revenue: U.S. Markets: Financial Services $ 367.2 $ 313.7 $ 1,077.6 $ 949.6 Emerging Verticals 307.2 297.3 913.1 877.9 Consumer Interactive 173.7 143.1 455.1 429.4 Total U.S. Markets $ 848.1 $ 754.0 $ 2,445.9 $ 2,256.9 International: Canada $ 39.4 $ 36.9 $ 115.9 $ 103.9 Latin America 33.5 31.2 100.9 90.2 United Kingdom 57.8 54.5 168.6 160.7 Africa 17.1 15.2 48.0 44.3 India 68.2 56.1 202.8 161.8 Asia Pacific 25.6 23.1 77.1 67.9 Total International $ 241.6 $ 217.1 $ 713.3 $ 628.9 Total revenue, gross $ 1,089.6 $ 971.2 $ 3,159.2 $ 2,885.8 Intersegment revenue eliminations: U.S. Markets $ (2.8) $ (1.0) $ (7.4) $ (4.6) International (1.9) (1.5) (4.8) (4.3) Total intersegment eliminations $ (4.7) $ (2.5) $ (12.3) $ (8.9) Total revenue as reported $ 1,085.0 $ 968.7 $ 3,147.0 $ 2,876.9 A reconciliation of Segment Adjusted EBITDA to income from continuing operations before income taxes for the periods presented is as follows: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 U.S. Markets Adjusted EBITDA $ 319.9 $ 293.7 $ 920.9 $ 850.9 International Adjusted EBITDA 110.5 97.0 318.1 271.0 Total $ 430.4 $ 390.6 $ 1,239.0 $ 1,121.9 Adjustments to reconcile to income (loss) from continuing operations before income taxes: Corporate expenses 1 $ (36.7) $ (34.5) $ (110.6) $ (104.3) Net interest expense (58.9) (67.8) (183.3) (202.1) Depreciation and amortization (133.6) (131.3) (400.5) (391.1) Stock-based compensation (33.8) (27.0) (85.7) (73.3) Goodwill impairment 2 — (414.0) — (414.0) Mergers and acquisitions, divestitures and business optimization 3 (7.3) 6.0 (17.1) (24.5) Accelerated technology investment 4 (21.8) (16.3) (58.6) (53.5) Operating model optimization program 5 (47.3) — (86.4) — Net other 6 2.0 (1.8) (9.7) (10.6) Net income attributable to non-controlling interests 3.9 4.3 13.4 11.9 Total adjustments $ (333.6) $ (682.3) $ (938.4) $ (1,261.4) Income (loss) from continuing operations before income taxes $ 96.8 $ (291.7) $ 300.5 $ (139.5) 1. Certain costs that are not directly attributable to one or more of the segments remain in Corporate. These costs are typically enterprise-level costs and are primarily administrative in nature. 2. For the three and nine months ended September 30, 2023, we recorded a goodwill impairment of $414.0 million related to our United Kingdom reporting unit in our International segment. 3. Mergers and acquisitions, divestitures and business optimization expenses consist of costs associated with exploratory or executed strategic transactions. 4. Accelerated technology investment represents expenses incurred in connection with the transformation of our technology infrastructure. 5. Consists of restructuring expenses as presented on our Consolidated Statements of Operations and other business process optimization expenses. 6. Net other expenses consist primarily of other non-operating income and expenses, primarily comprised of deferred loan fee expense from debt prepayments and refinancing, currency remeasurement on foreign operations, and other debt financing expenses. Earnings (loss) from equity method investments included in non-operating income and expense was as follows: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 U.S. Markets $ — $ (0.3) $ 0.1 $ 0.7 International 4.7 4.0 13.9 10.9 Total (Note 6) $ 4.7 $ 3.7 $ 14.0 $ 11.7

Contingencies

Contingencies	9 Months Ended
Contingencies	Sep. 30, 2024
Contingencies [Abstract]
Contingencies Disclosure	Contingencies Legal and Regulatory Matters We are routinely named as defendants in, or parties to, various legal actions and proceedings relating to our current or past business operations. These actions generally assert claims for violations of federal or state credit reporting, consumer protection or privacy laws, or common law claims related to the unfair treatment of consumers, and may include claims for substantial or indeterminate compensatory or punitive damages, or injunctive relief, and may seek business practice changes. We believe that most of these claims are either without merit or we have valid defenses to the claims, and we vigorously defend these matters or seek non-monetary or small monetary settlements, if possible. However, due to the uncertainties inherent in litigation, we cannot predict the outcome of each claim in each instance. In the ordinary course of business, we also are subject to governmental and regulatory examinations, information-gathering requests, investigations and proceedings (both formal and informal), certain of which may result in adverse judgments, settlements, fines, penalties, injunctions or other relief. In connection with formal and informal investigations and inquiries by regulators, we sometimes receive civil investigative demands, requests, subpoenas and orders seeking documents, testimony, and other information in connection with various aspects of our activities. In view of the inherent unpredictability of legal and regulatory matters, particularly where the damages sought are substantial or indeterminate or when the proceedings or investigations are in the early stages, we cannot determine with any degree of certainty the timing or ultimate resolution of legal and regulatory matters or the eventual loss, fines or penalties, if any, that may result from such matters. We establish reserves for legal and regulatory matters when those matters present loss contingencies that are both probable and can be reasonably estimated. However, for certain of the matters, we are not able to reasonably estimate our exposure because damages or penalties have not been specified and (i) the proceedings are in early stages, (ii) there is uncertainty as to the likelihood of a class being certified or the ultimate size of the class, (iii) there is uncertainty as to the outcome of similar matters pending against our competitors, (iv) there are significant factual issues to be resolved, and/or (v) there are legal issues of a first impression being presented. The actual costs of resolving legal and regulatory matters, however, may be substantially higher than the amounts reserved for those matters, and an adverse outcome in certain of these matters could have a material adverse effect on our consolidated financial statements in particular quarterly or annual periods. We accrue amounts for certain legal and regulatory matters for which losses were considered to be probable of occurring based on our best estimate of the most likely outcome. It is reasonably possible actual losses could be significantly different from our current estimates. In addition, there are some matters for which it is reasonably possible that a loss will occur, however we cannot estimate a range of the potential losses for these matters. To reduce our exposure to an unexpected significant monetary award resulting from an adverse judicial decision, we maintain insurance that we believe is appropriate and adequate based on our historical experience. We regularly advise our insurance carriers of the claims, threatened or pending, against us in legal and regulatory matters and generally receive a reservation of rights letter from the carriers when such claims exceed applicable deductibles. We are not aware of any significant monetary claim that has been asserted against us, other than the matters with the Consumer Financial Protection Bureau (the “CFPB”) referenced below, that would not have some level of coverage by insurance after the relevant deductible, if any, is met. As of September 30, 2024 and December 31, 2023, we have accrued $110.5 million and $147.8 million, respectively, for legal and regulatory matters. These amounts were recorded in other accrued liabilities in the Consolidated Balance Sheets and the associated expenses were recorded in selling, general and administrative expenses in the Consolidated Statements of Operations. Legal fees incurred in connection with ongoing litigation are considered period costs and are expensed as incurred. CFPB Matters In June 2021, we received a Notice and Opportunity to Respond and Advise (“NORA”) letter from the CFPB, informing us that the CFPB’s Enforcement Division was considering whether to recommend that the CFPB take legal action against us and certain of our executive officers. The NORA letter alleged that we failed to comply with and timely implement a consent order issued by the CFPB in January 2017 (the “2017 Consent Order”), and further alleged additional violations related to Consumer Interactive’s marketing practices. On September 27, 2021, the Enforcement Division advised us that it had obtained authority to pursue an enforcement action. On April 12, 2022, after failed settlement negotiations with the CFPB related to the matter, the CFPB filed a lawsuit against us, Trans Union LLC, TransUnion Interactive, Inc. (collectively, the “TU Entities”) and the former President of Consumer Interactive, John Danaher, in the United States District Court for the Northern District of Illinois seeking restitution, civil money penalties, and injunctive relief, among other remedies, and alleging that the TU Entities violated the 2017 Consent Order, engaged in deceptive acts and practices in marketing the TransUnion Credit Monitoring product, failed to obtain signed written authorizations from consumers before debiting their bank accounts for the TransUnion Credit Monitoring product and diverted consumers from their free annual file disclosure into paid subscription products. The CFPB further alleges that Mr. Danaher violated the 2017 Consent Order and that we and Trans Union LLC provided substantial assistance to TransUnion Interactive, Inc. in violating the 2017 Consent Order and the law. We continue to believe that our marketing practices are lawful and appropriate and that we have been, and remain, in compliance with the 2017 Consent Order, and we will vigorously defend against allegations to the contrary in such proceedings. We continue to be in active litigation on this matter. As of September 30, 2024 and December 31, 2023, we have accrued $56.0 million in connection with this matter and there is a reasonable possibility that a loss in excess of the amount accrued may be incurred, and such an outcome could have a material adverse effect on our results of operations and financial condition. However, any possible loss or range of loss in excess of the amount accrued is not reasonably estimable at this time. In addition, we have and will continue to incur increased costs litigating this matter. In March 2024, we received a NORA letter from the CFPB, informing us that the CFPB’s Enforcement Division is considering whether to recommend that the CFPB take legal action against us related to our dispute handling practices and procedures. The NORA letter alleges that Trans Union LLC violated the Fair Credit Reporting Act’s requirements to conduct a reasonable reinvestigation of disputed information and follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports, and the Consumer Financial Protection Act’s prohibition of unfair, deceptive, and abusive acts or practices. On July 12, 2024, the CFPB Enforcement Division advised us that it had obtained authority to pursue an enforcement action against us seeking specific injunctive relief provisions and civil money penalties. We are currently in discussions with the CFPB regarding this matter, including that our ability to make proposed changes to certain dispute handling processes is dependent on the participation of other consumer reporting agencies, data furnishers and industry participants. We cannot provide assurance that the CFPB will not ultimately commence a lawsuit against us in this matter, nor are we able to predict the likely outcome of this matter, which could have a material adverse effect on our results of operations and financial condition. We are not able to reasonably estimate our potential loss or range of loss related to this matter. Argus Department of Justice Matter We settled a matter with the civil division of the United States Attorney’s Office for the Eastern District of Virginia. This matter pertained to alleged conduct, related to Argus’s use of certain data it collected under certain government contracts, that commenced before our acquisition of VF, including Argus, in April 2022. Together with Verisk Analytics, Inc. (the “Seller”), we finalized a $37.0 million settlement (the “Settlement”) with the Department of Justice (“DOJ”). Under the stock purchase agreement Trans Union LLC entered into with the Seller pursuant to which we acquired VF, including Argus, the Seller agreed to indemnify us for certain losses with respect to this matter, including all losses directly resulting from any settlement agreement with the DOJ in connection with this matter, including civil money penalties, remediation costs and fees and expenses. During the three months ended March 31, 2024, the Settlement was paid in full to the DOJ and the indemnification receivable was collected.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	9 Months Ended
Accumulated Other Comprehensive Loss	Sep. 30, 2024
Equity [Abstract]
Accumulated Other Comprehensive Loss	Accumulated Other Comprehensive Loss The following tables set forth the changes in each component of accumulated other comprehensive loss, net of tax, as of September 30, 2024 and 2023: Foreign Currency Net Unrealized (Loss)/Gain On Hedges Net Unrealized Accumulated Other Balance, December 31, 2023 $ (383.4) $ 122.0 $ 0.2 $ (260.9) Change (10.2) 8.3 — (1.9) Balance, March 31, 2024 $ (393.6) $ 130.3 $ 0.2 $ (262.8) Change (20.7) (12.3) — (33.0) Balance, June 30, 2024 $ (414.2) $ 118.0 $ 0.2 $ (295.8) Change 53.9 (47.7) 0.1 6.3 Balance, September 30, 2024 $ (360.3) $ 70.3 $ 0.3 $ (289.5) Foreign Currency Net Unrealized (Loss)/Gain On Hedges Net Unrealized Accumulated Other Balance, December 31, 2022 $ (463.5) $ 178.6 $ 0.2 $ (284.5) Change 37.9 (35.6) — 2.3 Balance, March 31, 2023 $ (425.6) $ 143.0 $ 0.2 $ (282.2) Change 47.6 32.1 (0.1) 79.6 Balance, June 30, 2023 $ (378.0) $ 175.1 $ 0.1 $ (202.6) Change (49.2) 1.5 — (47.8) Balance, September 30, 2023 $ (427.2) $ 176.6 $ 0.1 $ (250.4)

Revision of Previously Issued F

Revision of Previously Issued Financial Statements	9 Months Ended
Revision of Previously Issued Financial Statements	Sep. 30, 2024
Accounting Changes and Error Corrections [Abstract]
Revision of Previously Issued Financial Statements	Revision of Previously Issued Financial Statements As discussed in Note 1, “Significant Accounting and Reporting Policies,” the Company identified errors in the classification of certain expenses between co st of services and selling, general and administrative in the Consolidated Statements of Operations. A summary of the corrections to the impacted financial statement line items of the Company’s previously issued Consolidated Statement of Operations filed in Amendment No. 1 to the Quarterly Report on Form 10-Q/A for the period ended September 30, 2023, are as follows: Three Months Ended September 30, 2023 Nine Months Ended September 30, 2023 As Reported Adjustment As Revised As Reported Adjustment As Revised Cost of services (exclusive of depreciation and amortization) $ 344.8 $ 24.0 $ 368.8 $ 1,073.2 $ 63.6 $ 1,136.8 Selling, general and administrative 314.8 (24.0) 290.8 931.3 (63.6) 867.7 Total operating expenses 1,205.0 — 1,205.0 2,809.6 — 2,809.6

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	3 Months Ended		9 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Millions	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 68	$ (318.8)	$ 218.2	$ (212.2)

Insider Trading Arrangements

Insider Trading Arrangements shares in Thousands	3 Months Ended	9 Months Ended
Insider Trading Arrangements shares in Thousands	Sep. 30, 2024 shares	Sep. 30, 2024 shares
Steven M. Chaouki [Member]
Trading Arrangements, by Individual
Material Terms of Trading Arrangement		On August 8, 2024, Steven M. Chaouki, President, U.S. Markets, adopted a Rule 10b5-1 trading arrangement (“10b5-1 Plan”) that is intended to satisfy the affirmative defense of Rule 10b5-1(c) for the sale of up to 11,000 shares of the Company’s common stock until July 3, 2025.
Name	Steven M. Chaouki
Title	President, U.S. Markets
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	August 8, 2024
Expiration Date	July 3, 2025
Arrangement Duration	329 days
Aggregate Available	11	11
George M. Awad [Member]
Trading Arrangements, by Individual
Material Terms of Trading Arrangement		On August 19, 2024, George M. Awad, Director, adopted a 10b5-1 Plan that is intended to satisfy the affirmative defense of Rule 10b5-1(c) for the sale of up to 24,000 shares of the Company’s common stock until August 15, 2025.
Name	George M. Awad
Title	Director
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	August 19, 2024
Expiration Date	August 15, 2025
Arrangement Duration	361 days
Aggregate Available	24	24

Significant Accounting and Re_2

Significant Accounting and Reporting Policies (Policies)	9 Months Ended
Significant Accounting and Reporting Policies (Policies)	Sep. 30, 2024
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The accompanying unaudited Condensed Consolidated Financial Statements of TransUnion and subsidiaries have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial statements and, in our opinion, include all adjustments of a normal recurring nature necessary for a fair statement of the interim periods presented. All intercompany transactions and balances have been eliminated. As a result of displaying amounts in millions, rounding differences may exist in the financial statements and footnote tables. The interim results presented are not necessarily indicative of the results that may be expected for the full year ending December 31, 2024. The Company’s Consolidated Balance Sheet data for the year ended December 31, 2023 was derived from audited financial statements. Therefore, these unaudited consolidated financial statements should be read in conjunction with our audited financial statements and related notes included in our Annual Report on Form 10-K for the year ended December 31, 2023, filed with the Securities and Exchange Commission (“SEC”) on February 28, 2024. During the first quarter of 2024, we reorganized our operations to merge our Consumer Interactive operating segment with our U.S. Markets operating segment. This change aligns with our transformation plan for an integrated U.S. business with increased cross-selling activities and common enabling functions to achieve greater cost efficiencies. In addition, we changed the responsibility for certain international operations previously managed within the U.S. Markets segment to certain regions within the International segment. As a result, we have two operating segments, U.S. Markets and International, which are consistent with our reportable segments, and reflect the structure of the Company’s internal organization, the method by which the Company’s resources are allocated and the manner in which the chief operating decision maker assesses the Company’s performance. The reporting of certain revenue from the acquisition of Argus Information and Advisory Services, Inc. and Commerce Signals, Inc. (collectively, “Argus”), which was previously reported within our Financial Services vertical, is now reported in Emerging Verticals in the U.S. Markets operating segment. While this change does not impact our operating segments, it does impact our disaggregated revenue disclosures. We have recast our historical financial information presented in this Quarterly Report on Form 10-Q to reflect these changes and conform to our current operating structure. Unless the context indicates otherwise, any reference in this report to the “Company,” “we,” “our,” “us,” and “its” refers to TransUnion and its consolidated subsidiaries, collectively. For the periods presented, TransUnion does not have any material assets, liabilities, revenues, expenses or operations of any kind other than its ownership investment in TransUnion Intermediate Holdings, Inc. Revision of Previously Issued Financial Statements During 2023, the Company identified errors in the classification of certain costs between cost of services and selling, general and administrative in the Consolidated Statements of Operations. The errors resulted in an understatement of cost of services and an overstatement of selling, general and administrative in equal and offsetting amounts to previously issued quarterly and year-to-date financial statements in 2023, with no impact to total operating expenses, operating income or net income, and no impact on the Consolidated Balance Sheets, Consolidated Statements of Comprehensive Income, Consolidated Statements of Cash Flows or the Consolidated Statements of Stockholder’s Equity for any of those periods. The Company concluded that, while the expense classification errors were not material to any of its financial statements taken as a whole, it should revise the Consolidated Statements of Operations for the periods impacted. Accordingly, the Company has revised the previously issued Consolidated Statements of Operations for the three and nine months ended September 30, 2023 to correct for the errors as reflected in this Form 10-Q. A summary of the corrections to the impacted financial statement line items to the Company’s previously issued Consolidated Statements of Operations for each affected period is presented in Note 19, “Revision of Previously Issued Financial Statements.”
Principles of Consolidation	Principles of Consolidation The consolidated financial statements of TransUnion include the accounts of TransUnion and all of its controlled subsidiaries. Investments in nonmarketable unconsolidated entities in which the Company is able to exercise significant influence are accounted for using the equity method. Investments in nonmarketable unconsolidated entities in which the Company is not able to exercise significant influence, our “Cost Method Investments,” are accounted for at our initial cost, minus any impairment, plus or minus changes resulting from observable price changes in orderly transactions for the identical or a similar investment of the same issuer.
Use of Estimates, Policy	Use of Estimates The preparation of consolidated financial statements and related disclosures in accordance with GAAP requires management to make estimates and judgments that affect the amounts reported. We believe that the estimates used in preparation of the accompanying consolidated financial statements are reasonable, based upon information available to management at this time. These estimates and judgments affect the reported amounts of assets, liabilities and disclosure of contingent assets and liabilities at the balance sheet date, as well as the amounts of revenue and expense during the reporting period. Estimates are inherently uncertain and actual results could differ materially from the estimated amounts.
Accounts Receivable	Trade Accounts Receivable We base our allowance for doubtful accounts estimate on our historical loss experience, our current expectations of future losses, current economic conditions, an analysis of the aging of outstanding receivables and customer payment patterns, and specific reserves for customers in adverse financial condition or for existing contractual disputes. The following is a roll-forward of the allowance for doubtful accounts for the periods presented: Nine Months Ended September 30, 2024 2023 Beginning balance $ 16.4 $ 11.0 Provision for losses on trade accounts receivable 11.6 4.5 Write-offs, net of recovered accounts (9.8) (0.4) Ending balance $ 18.2 $ 15.1
Recent Accounting Pronouncements	Recently Adopted Accounting Pronouncements There are no recent accounting pronouncements that have been adopted by TransUnion in the third quarter of 2024.
Recent Accounting Pronouncements Not Yet Adopted	Recent Accounting Pronouncements Not Yet Adopted On November 27, 2023, the FASB issued Accounting Standards Update (“ASU”) 2023-07 , Segment Reporting (Topic 280), Improvements to Reportable Segment Disclosures . This ASU updates the requirements for segment reporting to include, among other things, disaggregating and quantifying significant segment expenses that are regularly provided to the chief operating decision maker (“CODM”) and included in the measure of segment profit, describing the nature of amounts not separately disaggregated, allowing for additional measures of a segment’s profit or loss used by the CODM when deciding how to allocate resources, and extending nearly all annual segment reporting requirements to quarterly reporting requirements. The update is effective for annual periods for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024, and requires retrospective application. The Company does not expect the adoption of the new guidance to have a material impact on its consolidated financial statements other than expanded footnote disclosure. On December 14, 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740), Improvements to Income Tax Disclosures . This ASU requires income tax disclosures to include consistent categories and greater disaggregation of information in the rate reconciliations and the disaggregation of income taxes paid by federal, state and foreign, and also for individual jurisdictions that are greater than 5% of total income taxes paid. The update is effective for annual periods for fiscal years beginning after December 15, 2024 on a prospective basis. Early adoption is permitted. We are currently assessing the impact of adopting the updated provisions.

Significant Accounting and Re_3

Significant Accounting and Reporting Policies Allowance for Doubtful Accounts (Tables)	9 Months Ended
	Sep. 30, 2024
Allowance for Doubtful Accounts [Abstract]
Accounts Receivable, Allowance for Credit Loss	The following is a roll-forward of the allowance for doubtful accounts for the periods presented: Nine Months Ended September 30, 2024 2023 Beginning balance $ 16.4 $ 11.0 Provision for losses on trade accounts receivable 11.6 4.5 Write-offs, net of recovered accounts (9.8) (0.4) Ending balance $ 18.2 $ 15.1

Other Current Assets (Tables)

Other Current Assets (Tables)	9 Months Ended
Other Current Assets (Tables)	Sep. 30, 2024
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Other Current Assets	Other current assets consisted of the following: September 30, 2024 December 31, 2023 Prepaid expenses $ 134.9 $ 145.4 Marketable securities (Note 15) 2.8 2.7 Other (Note 17) 90.6 127.8 Total other current assets $ 228.2 $ 275.9

Goodwill (Tables)

Goodwill (Tables)	9 Months Ended
Goodwill (Tables)	Sep. 30, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill	Goodwill allocated to our reportable segments and changes in the carrying amount of goodwill during the nine months ended September 30, 2024, consisted of the following: U.S. Markets International Consumer Interactive Total Balance, December 31, 2023 $ 3,602.8 $ 894.1 $ 679.1 $ 5,176.0 Reallocation of goodwill from segment reorganization 655.6 23.5 (679.1) — Foreign exchange rate adjustment 0.3 8.2 — 8.5 Balance, September 30, 2024 $ 4,258.7 $ 925.8 $ — $ 5,184.5 The gross and net goodwill balances at each period were as follows: September 30, 2024 December 31, 2023 Gross Goodwill Accumulated Impairment Net Goodwill Gross Goodwill Accumulated Impairment Net Goodwill U.S Markets $ 4,258.7 $ — $ 4,258.7 $ 3,602.8 $ — $ 3,602.8 International 1,339.8 (414.0) 925.8 1,308.1 (414.0) 894.1 Consumer Interactive — — — 679.1 — 679.1 Total $ 5,598.5 $ (414.0) $ 5,184.5 $ 5,590.0 $ (414.0) $ 5,176.0

Intangible Assets (Tables)

Intangible Assets (Tables)	9 Months Ended
Intangible Assets (Tables)	Sep. 30, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Finite-Lived Intangible Assets	Intangible assets consisted of the following: September 30, 2024 December 31, 2023 Gross Accumulated Net Gross Accumulated Net Customer relationships $ 2,068.6 $ (539.8) $ 1,528.8 $ 2,060.2 $ (451.6) $ 1,608.6 Internal use software 2,349.0 (1,398.1) 951.0 2,204.5 (1,239.7) 964.8 Database and credit files 1,395.7 (907.4) 488.3 1,372.2 (829.2) 543.0 Trademarks, copyrights and patents 587.6 (200.0) 387.7 587.7 (188.8) 398.9 Noncompete and other agreements 11.7 (10.5) 1.2 10.5 (10.5) — Total intangible assets $ 6,412.7 $ (3,055.8) $ 3,356.9 $ 6,235.1 $ (2,719.8) $ 3,515.3 Changes in the carrying amount of intangible assets between periods consisted of the following: Gross Accumulated Amortization Net Balance, December 31, 2023 $ 6,235.1 $ (2,719.8) $ 3,515.3 Developed internal use software 151.7 — 151.7 Acquired intangible assets 5.5 — 5.5 Amortization — (334.4) (334.4) Disposals and retirements (13.8) 13.5 (0.3) Foreign exchange rate adjustment 34.2 (15.1) 19.1 Balance, September 30, 2024 $ 6,412.7 $ (3,055.8) $ 3,356.9

Other Assets (Tables)

Other Assets (Tables)	9 Months Ended
Other Assets (Tables)	Sep. 30, 2024
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Other assets	Other assets consisted of the following: September 30, 2024 December 31, 2023 Investments in affiliated companies (Note 6) $ 292.3 $ 291.4 Right-of-use lease assets (Note 8) 57.5 98.9 Interest rate swaps (Notes 10 and 15) 93.4 162.3 Note receivable (Note 15) 87.8 82.0 Other 130.1 104.8 Total other assets $ 661.1 $ 739.4

Investments in Affiliated Com_2

Investments in Affiliated Companies (Tables)	9 Months Ended
Investments in Affiliated Companies (Tables)	Sep. 30, 2024
Investments in and Advances to Affiliates, Schedule of Investments [Abstract]
Investments in and Advances to Affiliates	Investments in affiliated companies consisted of the following: September 30, 2024 December 31, 2023 Cost Method Investments $ 241.8 $ 233.8 Equity method investments 46.8 53.9 Limited partnership investment 3.7 3.7 Total investments in affiliated companies (Note 5) $ 292.3 $ 291.4
Schedule Of Equity Investments Income Statement Information	Earnings from equity method investments, w hich are incl uded in other non-operating income and expense, and dividends received from equity method investments consisted of the following: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Earnings from equity method investments (Note 16) $ 4.7 $ 3.7 $ 14.0 $ 11.7 Dividends received from equity method investments — — 15.6 17.2

Other Current Liabilities (Tabl

Other Current Liabilities (Tables)	9 Months Ended
Other Current Liabilities (Tables)	Sep. 30, 2024
Payables and Accruals [Abstract]
Other Current Liabilities	Other current liabilities consisted of the following: September 30, 2024 December 31, 2023 Accrued payroll and employee benefits $ 212.8 $ 216.2 Accrued legal and regulatory matters (Note 17) 110.5 147.8 Deferred revenue (Note 12) 134.3 125.1 Accrued restructuring (Note 8) 23.0 64.9 Operating lease liabilities (Note 8) 23.2 26.2 Income taxes payable 19.4 10.2 Other 86.6 71.5 Total other current liabilities $ 609.8 $ 661.8

Restructuring (Tables)

Restructuring (Tables)	3 Months Ended
Restructuring (Tables)	Sep. 30, 2024
Restructuring and Related Activities [Abstract]
Schedule of Restructuring Expenses	The following table summarizes the expenses recorded in the three and nine months ended September 30, 2024. Three Months Ended September 30, 2024 Nine Months Ended September 30, 2024 Employee separation $ — $ 24.7 Facility exit 40.5 42.1 Total restructuring expenses $ 40.5 $ 66.8
Schedule of Changes in Accrued Restructuring	The following table summarizes the changes in accrued restructuring during the nine months ended September 30, 2024, which are included in other current liabilities on the Consolidated Balance Sheets. Employee Separation Costs Balance, December 31, 2023 $ 64.9 Restructuring expense 24.7 Cash payments (66.5) Foreign exchange rate adjustment (0.1) Balance, September 30, 2024 (Note 7) $ 23.0

Other Liabilities (Tables)

Other Liabilities (Tables)	9 Months Ended
Other Liabilities (Tables)	Sep. 30, 2024
Other Liabilities Disclosure [Abstract]
Other Noncurrent Liabilities	Other liabilities consisted of the following: September 30, 2024 December 31, 2023 Operating lease liabilities (Note 8) $ 43.0 $ 81.8 Unrecognized tax benefits, net of indirect tax effects (Note 14) 43.2 40.2 Deferred revenue (Note 12) 16.2 15.1 Other 17.8 16.1 Total other liabilities $ 120.2 $ 153.2

Debt (Tables)

Debt (Tables)	9 Months Ended
Debt (Tables)	Sep. 30, 2024
Debt Disclosure [Abstract]
Debt outstanding	Debt outstanding consisted of the following: September 30, 2024 December 31, 2023 Senior Secured Term Loan B-5, due in full at maturity (November 15, 2026), with periodic variable interest at Term SOFR plus a credit spread adjustment, or alternate base rate, plus applicable margin (6.70% at September 30, 2024 and 7.21% at December 31, 2023), net of original issue discount and deferred financing fees of $0.3 million and $1.0 million, respectively, at September 30, 2024, and of $1.9 million and $4.6 million, respectively, at December 31, 2023 $ 573.2 $ 2,179.4 Senior Secured Term Loan A-4, payable in quarterly installments through June 24, 2029, with periodic variable interest at Term SOFR plus a credit spread adjustment (until the refinancing on June 24, 2024), or alternate base rate, plus applicable margin (6.35% at September 30, 2024 and 6.96% at December 31, 2023), net of original issue discount and deferred financing fees of $0.4 million and $3.5 million, respectively, at September 30, 2024, and of $0.4 million and $3.4 million, respectively, at December 31, 2023 1,279.9 1,296.1 Senior Secured Term Loan B-8, payable in quarterly installments through June 24, 2031, with periodic variable interest at Term SOFR, or alternate base rate, plus applicable margin (6.60% at September 30, 2024), net of original issue discount and deferred financing fees of $4.2 million and $5.4 million, respectively, at September 30, 2024 1,486.6 — Senior Secured Term Loan B-7, payable in quarterly installments through December 1, 2028, with periodic variable interest at Term SOFR, or alternate base rate, plus applicable margin (6.85% at September 30, 2024), net of original issue discount and deferred financing fees of $7.1 million and $16.7 million, respectively, at September 30, 2024 1,861.7 — Senior Secured Term Loan B-6, refinanced with B-7 loans, with periodic variable interest at Term SOFR plus a credit spread adjustment, or alternate base rate, plus applicable margin (7.72% at December 31, 2023) and original issue discount and deferred financing fees of $3.5 million and $20.0 million, respectively, at December 31, 2023 — 1,864.8 Finance leases — 0.1 Senior Secured Revolving Credit Facility — — Total debt 5,201.4 5,340.4 Less short-term debt and current portion of long-term debt (66.5) (89.6) Total long-term debt $ 5,134.9 $ 5,250.8

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
Earnings Per Share (Tables)	Sep. 30, 2024
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	asic and diluted weighted average shares outstanding were as follows: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Income (loss) from continuing operations $ 71.9 $ (313.9) $ 231.6 $ (199.6) Less: income from continuing operations attributable to noncontrolling interests (3.9) (4.3) (13.4) (11.9) Income (loss) from continuing operations attributable to TransUnion $ 68.0 $ (318.3) $ 218.2 $ (211.5) Weighted-average shares outstanding: Basic 194.6 193.4 194.3 193.3 Dilutive impact of stock based awards 2.4 — 2.0 — Diluted 197.0 193.4 196.3 193.3

Fair Value (Tables)

Fair Value (Tables)	9 Months Ended
Fair Value (Tables)	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Financial Instruments Measured At Fair Value, on Recurring Basis	The following table summarizes financial instruments measured at fair value, on a recurring basis, as of September 30, 2024: Total Level 1 Level 2 Level 3 Assets Interest rate swaps (Notes 5 and 10) $ 93.4 $ — $ 93.4 $ — Note receivable (Note 5) 87.8 — 87.8 — Available-for-sale marketable securities (Note 2) 2.8 — 2.8 — Total $ 184.0 $ — $ 184.0 $ — The following table summarizes financial instruments measured at fair value, on a recurring basis, as of December 31, 2023: Total Level 1 Level 2 Level 3 Assets Interest rate swaps (Notes 5 and 10) $ 162.3 $ — $ 162.3 $ — Note receivable (Note 5) 82.0 — 82.0 — Available-for-sale marketable securities (Note 2) 2.7 — 2.7 — Total $ 247.0 $ — $ 247.0 $ —

Reportable Segments (Tables)

Reportable Segments (Tables)	9 Months Ended
Reportable Segments (Tables)	Sep. 30, 2024
Segment Reporting [Abstract]
Selected Segment Financial Information and Disaggregated Revenue	Selected segment financial information and disaggregated revenue consisted of the following: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Gross Revenue: U.S. Markets: Financial Services $ 367.2 $ 313.7 $ 1,077.6 $ 949.6 Emerging Verticals 307.2 297.3 913.1 877.9 Consumer Interactive 173.7 143.1 455.1 429.4 Total U.S. Markets $ 848.1 $ 754.0 $ 2,445.9 $ 2,256.9 International: Canada $ 39.4 $ 36.9 $ 115.9 $ 103.9 Latin America 33.5 31.2 100.9 90.2 United Kingdom 57.8 54.5 168.6 160.7 Africa 17.1 15.2 48.0 44.3 India 68.2 56.1 202.8 161.8 Asia Pacific 25.6 23.1 77.1 67.9 Total International $ 241.6 $ 217.1 $ 713.3 $ 628.9 Total revenue, gross $ 1,089.6 $ 971.2 $ 3,159.2 $ 2,885.8 Intersegment revenue eliminations: U.S. Markets $ (2.8) $ (1.0) $ (7.4) $ (4.6) International (1.9) (1.5) (4.8) (4.3) Total intersegment eliminations $ (4.7) $ (2.5) $ (12.3) $ (8.9) Total revenue as reported $ 1,085.0 $ 968.7 $ 3,147.0 $ 2,876.9
Reconciliation of Other Significant Reconciling Items from Segments to Consolidated	A reconciliation of Segment Adjusted EBITDA to income from continuing operations before income taxes for the periods presented is as follows: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 U.S. Markets Adjusted EBITDA $ 319.9 $ 293.7 $ 920.9 $ 850.9 International Adjusted EBITDA 110.5 97.0 318.1 271.0 Total $ 430.4 $ 390.6 $ 1,239.0 $ 1,121.9 Adjustments to reconcile to income (loss) from continuing operations before income taxes: Corporate expenses 1 $ (36.7) $ (34.5) $ (110.6) $ (104.3) Net interest expense (58.9) (67.8) (183.3) (202.1) Depreciation and amortization (133.6) (131.3) (400.5) (391.1) Stock-based compensation (33.8) (27.0) (85.7) (73.3) Goodwill impairment 2 — (414.0) — (414.0) Mergers and acquisitions, divestitures and business optimization 3 (7.3) 6.0 (17.1) (24.5) Accelerated technology investment 4 (21.8) (16.3) (58.6) (53.5) Operating model optimization program 5 (47.3) — (86.4) — Net other 6 2.0 (1.8) (9.7) (10.6) Net income attributable to non-controlling interests 3.9 4.3 13.4 11.9 Total adjustments $ (333.6) $ (682.3) $ (938.4) $ (1,261.4) Income (loss) from continuing operations before income taxes $ 96.8 $ (291.7) $ 300.5 $ (139.5) 1. Certain costs that are not directly attributable to one or more of the segments remain in Corporate. These costs are typically enterprise-level costs and are primarily administrative in nature. 2. For the three and nine months ended September 30, 2023, we recorded a goodwill impairment of $414.0 million related to our United Kingdom reporting unit in our International segment. 3. Mergers and acquisitions, divestitures and business optimization expenses consist of costs associated with exploratory or executed strategic transactions. 4. Accelerated technology investment represents expenses incurred in connection with the transformation of our technology infrastructure. 5. Consists of restructuring expenses as presented on our Consolidated Statements of Operations and other business process optimization expenses. 6. Net other expenses consist primarily of other non-operating income and expenses, primarily comprised of deferred loan fee expense from debt prepayments and refinancing, currency remeasurement on foreign operations, and other debt financing expenses.
Earnings Losses From Equity Method Investments By Segment Included In Other Income And Expense	Earnings (loss) from equity method investments included in non-operating income and expense was as follows: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 U.S. Markets $ — $ (0.3) $ 0.1 $ 0.7 International 4.7 4.0 13.9 10.9 Total (Note 6) $ 4.7 $ 3.7 $ 14.0 $ 11.7

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	9 Months Ended
Accumulated Other Comprehensive Loss (Tables)	Sep. 30, 2024
Equity [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The following tables set forth the changes in each component of accumulated other comprehensive loss, net of tax, as of September 30, 2024 and 2023: Foreign Currency Net Unrealized (Loss)/Gain On Hedges Net Unrealized Accumulated Other Balance, December 31, 2023 $ (383.4) $ 122.0 $ 0.2 $ (260.9) Change (10.2) 8.3 — (1.9) Balance, March 31, 2024 $ (393.6) $ 130.3 $ 0.2 $ (262.8) Change (20.7) (12.3) — (33.0) Balance, June 30, 2024 $ (414.2) $ 118.0 $ 0.2 $ (295.8) Change 53.9 (47.7) 0.1 6.3 Balance, September 30, 2024 $ (360.3) $ 70.3 $ 0.3 $ (289.5) Foreign Currency Net Unrealized (Loss)/Gain On Hedges Net Unrealized Accumulated Other Balance, December 31, 2022 $ (463.5) $ 178.6 $ 0.2 $ (284.5) Change 37.9 (35.6) — 2.3 Balance, March 31, 2023 $ (425.6) $ 143.0 $ 0.2 $ (282.2) Change 47.6 32.1 (0.1) 79.6 Balance, June 30, 2023 $ (378.0) $ 175.1 $ 0.1 $ (202.6) Change (49.2) 1.5 — (47.8) Balance, September 30, 2023 $ (427.2) $ 176.6 $ 0.1 $ (250.4)

Revision of Previously Issued_2

Revision of Previously Issued Financial Statements (Tables)	9 Months Ended
Revision of Previously Issued Financial Statements (Tables)	Sep. 30, 2023
Accounting Changes and Error Corrections [Abstract]
Schedule of Corrections to Impacted Financial Statements	A summary of the corrections to the impacted financial statement line items of the Company’s previously issued Consolidated Statement of Operations filed in Amendment No. 1 to the Quarterly Report on Form 10-Q/A for the period ended September 30, 2023, are as follows: Three Months Ended September 30, 2023 Nine Months Ended September 30, 2023 As Reported Adjustment As Revised As Reported Adjustment As Revised Cost of services (exclusive of depreciation and amortization) $ 344.8 $ 24.0 $ 368.8 $ 1,073.2 $ 63.6 $ 1,136.8 Selling, general and administrative 314.8 (24.0) 290.8 931.3 (63.6) 867.7 Total operating expenses 1,205.0 — 1,205.0 2,809.6 — 2,809.6

Summary of Significant Accounti

Summary of Significant Accounting Policies - Additional Information (Details) $ in Millions	9 Months Ended
	Sep. 30, 2024 USD ($) Segment	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Allowance for Doubtful Accounts [Abstract]
Number of Operating Segments \| Segment	2
Accounts Receivable, Allowance for Credit Loss	$ 18.2	$ 15.1	$ 16.4	$ 11
Provision for losses on trade accounts receivable	11.6	4.5
Accounts Receivable, Allowance For Credit Loss, Write-off (Recovery)	(9.8)	$ (0.4)
Finite-Lived Intangible Assets, Net	3,356.9		3,515.3
Long Lived Asset [Line Items]
Foreign exchange rate adjustment	8.5
Internal use software
Allowance for Doubtful Accounts [Abstract]
Finite-Lived Intangible Assets, Net	$ 951		$ 964.8

Other Current Assets (Details)

Other Current Assets (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Prepaid expenses	$ 134.9	$ 145.4
Marketable securities (Note 15)	2.8	2.7
Other Assets, Miscellaneous, Current	90.6	127.8
Total other current assets	$ 228.2	$ 275.9

Goodwill - Narrative (Details)

Goodwill - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
Goodwill - Narrative (Details) - USD ($) $ in Millions	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill impairment	$ 0	$ 414	$ 0	$ 414

Goodwill - Changes in Goodwill

Goodwill - Changes in Goodwill (Details) $ in Millions	9 Months Ended
Goodwill - Changes in Goodwill (Details) $ in Millions	Sep. 30, 2024 USD ($)
Goodwill [Roll Forward]
Goodwill, Beginning Balance	$ 5,176
Reallocation of goodwill from segment reorganization	0
Foreign exchange rate adjustment	8.5
Goodwill, Ending Balance	5,184.5
U.S. Markets
Goodwill [Roll Forward]
Goodwill, Beginning Balance	3,602.8
Reallocation of goodwill from segment reorganization	655.6
Foreign exchange rate adjustment	0.3
Goodwill, Ending Balance	4,258.7
International
Goodwill [Roll Forward]
Goodwill, Beginning Balance	894.1
Reallocation of goodwill from segment reorganization	23.5
Foreign exchange rate adjustment	8.2
Goodwill, Ending Balance	925.8
Consumer Interactive
Goodwill [Roll Forward]
Goodwill, Beginning Balance	679.1
Reallocation of goodwill from segment reorganization	(679.1)
Foreign exchange rate adjustment	0
Goodwill, Ending Balance	$ 0

Goodwill - Gross and Net Goodwi

Goodwill - Gross and Net Goodwill Balances (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Goodwill [Line Items]
Gross Goodwill	$ 5,598.5	$ 5,590
Accumulated impairment	(414)	(414)
Net Goodwill	5,184.5	5,176
U.S. Markets
Goodwill [Line Items]
Gross Goodwill	4,258.7	3,602.8
Accumulated impairment	0	0
Net Goodwill	4,258.7	3,602.8
International
Goodwill [Line Items]
Gross Goodwill	1,339.8	1,308.1
Accumulated impairment	(414)	(414)
Net Goodwill	925.8	894.1
Consumer Interactive
Goodwill [Line Items]
Gross Goodwill	0	679.1
Accumulated impairment	0	0
Net Goodwill	$ 0	$ 679.1

Intangible Assets - Summary (De

Intangible Assets - Summary (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Finite-Lived Intangible Assets [Line Items]
Gross	$ 6,412.7	$ 6,235.1
Accumulated Amortization	(3,055.8)	(2,719.8)
Net	3,356.9	3,515.3
Customer relationships
Finite-Lived Intangible Assets [Line Items]
Gross	2,068.6	2,060.2
Accumulated Amortization	(539.8)	(451.6)
Net	1,528.8	1,608.6
Internal use software
Finite-Lived Intangible Assets [Line Items]
Gross	2,349	2,204.5
Accumulated Amortization	(1,398.1)	(1,239.7)
Net	951	964.8
Database and credit files
Finite-Lived Intangible Assets [Line Items]
Gross	1,395.7	1,372.2
Accumulated Amortization	(907.4)	(829.2)
Net	488.3	543
Trademarks, copyrights and patents
Finite-Lived Intangible Assets [Line Items]
Gross	587.6	587.7
Accumulated Amortization	(200)	(188.8)
Net	387.7	398.9
Noncompete and other agreements
Finite-Lived Intangible Assets [Line Items]
Gross	11.7	10.5
Accumulated Amortization	(10.5)	(10.5)
Net	$ 1.2	$ 0

Intangible Assets - Changes in

Intangible Assets - Changes in Carrying Amount (Details) $ in Millions	9 Months Ended
	Sep. 30, 2024 USD ($)
Finite-Lived Intangible Assets [Roll Forward]
Gross, Beginning Balance	$ 6,235.1
Gross, Ending Balance	6,412.7
Accumulated Amortization, Beginning Balance	(2,719.8)
Accumulated Amortization, Ending Balance	(3,055.8)
Net, Beginning Balance	3,515.3
Net, Ending Balance	3,356.9
Developed internal use software
Finite-Lived Intangible Assets [Roll Forward]
Gross, period increase (decrease)	151.7
Accumulated Amortization, period increase (decrease)	0
Net, period increase (decrease)	151.7
Amortization
Finite-Lived Intangible Assets [Roll Forward]
Gross, period increase (decrease)	0
Accumulated Amortization, period increase (decrease)	(334.4)
Net, period increase (decrease)	(334.4)
Disposals and retirements
Finite-Lived Intangible Assets [Roll Forward]
Gross, period increase (decrease)	(13.8)
Accumulated Amortization, period increase (decrease)	13.5
Net, period increase (decrease)	(0.3)
Foreign exchange rate adjustment
Finite-Lived Intangible Assets [Roll Forward]
Gross, period increase (decrease)	34.2
Accumulated Amortization, period increase (decrease)	(15.1)
Net, period increase (decrease)	19.1
Acquired finite-lived intangible assets
Finite-Lived Intangible Assets [Roll Forward]
Gross, period increase (decrease)	5.5
Accumulated Amortization, period increase (decrease)	0
Net, period increase (decrease)	$ 5.5

Other Assets (Details)

Other Assets (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Other assets
Investments in affiliated companies (Note 6)	$ 292.3	$ 291.4
Right-of-use lease assets (Note 8)	57.5	98.9
Interest rate swaps (Notes 10 and 15)	93.4	162.3
Note receivable (Note 15)	87.8	82
Other	130.1	104.8
Total other assets	$ 661.1	$ 739.4

Investments in Affiliated Com_3

Investments in Affiliated Companies (Details) - USD ($) $ in Millions	3 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Investments in and Advances to Affiliates, Schedule of Investments [Abstract]
Cost Method Investments	$ 241.8	$ 233.8
Equity Method Investments	46.8	53.9
Limited Partnership Investment	3.7	3.7
Total investments in affiliated companies (Note 5)	292.3	$ 291.4
Gain on cost method investments	$ 6.4

Investments in Affiliated Com_4

Investments in Affiliated Companies - Earnings and Dividends from Investment (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Investments in and Advances to Affiliates, Schedule of Investments [Abstract]
Dividends received from equity method investments	$ 0	$ 0	$ 15.6	$ 17.2
Earnings from equity method investments	$ 4.7	$ 3.7	$ 14	$ 11.7

Other Current Liabilities (Deta

Other Current Liabilities (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Payables and Accruals [Abstract]
Accrued payroll and employee benefits	$ 212.8	$ 216.2
Accrued legal and regulatory matters (Note 17)	110.5	147.8
Deferred revenue (Note 12)	134.3	125.1
Accrued restructuring (Note 8)	23	64.9
Operating lease liabilities (Note 8)	23.2	26.2
Income taxes payable	19.4	10.2
Accrued Liabilities, Current	86.6	71.5
Total other current liabilities	$ 609.8	$ 661.8

Restructuring - Narrative (Deta

Restructuring - Narrative (Details) - USD ($) $ in Millions	1 Months Ended	3 Months Ended		9 Months Ended
Restructuring - Narrative (Details) - USD ($) $ in Millions	Jul. 31, 2024	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Restructuring Cost and Reserve [Line Items]
Expected cost associated with the operating model optimization program		$ 155		$ 155
Cost incurred to date associated with the operating model optimization program		142.1		142.1
Costs associated with the operating model optimization program		40.5	$ 0	66.8	$ 0
Termination penalty payment	$ 30
Expense associated with terminating the lease	$ 12.4
Loss on early termination of lease		40.5		40.5	$ 0
Employee Severance
Restructuring Cost and Reserve [Line Items]
Expected cost associated with the operating model optimization program		110		110
Facility Exit
Restructuring Cost and Reserve [Line Items]
Expected cost associated with the operating model optimization program		$ 45		$ 45

Restructuring - Restructuring E

Restructuring - Restructuring Expenses (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Restructuring and Related Activities [Abstract]
Employee separation	$ 0		$ 24.7
Facility exit	40.5		42.1
Total restructuring expenses	$ 40.5	$ 0	$ 66.8	$ 0

Restructuring - Changes in Accr

Restructuring - Changes in Accrued Restructuring (Details) - USD ($) $ in Millions	3 Months Ended	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2024
Restructuring Reserve [Roll Forward]
Beginning balance		$ 64.9
Restructuring expense	$ 0	24.7
Cash payments		(66.5)
Foreign exchange rate adjustment		(0.1)
Ending balance	$ 23	$ 23

Other Liabilities (Details)

Other Liabilities (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Other Liabilities Disclosure [Abstract]
Operating lease liabilities (Note 8)	$ 43	$ 81.8
Unrecognized tax benefits, net of indirect tax effects (Note 14)	43.2	40.2
Deferred revenue (Note 12)	16.2	15.1
Other Noncurrent Other Liabilities	17.8	16.1
Total other liabilities	$ 120.2	$ 153.2

Debt - Outstanding (Details)

Debt - Outstanding (Details) - USD ($)	3 Months Ended		9 Months Ended
Debt - Outstanding (Details) - USD ($)	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Debt Instrument [Line Items]
Debt outstanding	$ 5,201,400,000		$ 5,201,400,000		$ 5,340,400,000
Less short-term debt and current portion of long-term debt	(66,500,000)		(66,500,000)		(89,600,000)
Total long-term debt	5,134,900,000		5,134,900,000		5,250,800,000
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, before Tax	63,600,000	$ (2,000,000)	68,900,000	$ 2,700,000
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax	(47,700,000)	$ 1,500,000	(51,700,000)	$ (2,000,000)
Interest Rate Swap
Debt Instrument [Line Items]
Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months			77,200,000
2021 Interest Rate Swap
Debt Instrument [Line Items]
Derivative, Notional Amount	$ 1,556,000,000		$ 1,556,000,000
2021 Interest Rate Swap \| Minimum
Debt Instrument [Line Items]
Derivative, Fixed Interest Rate	1.38%		1.38%
2021 Interest Rate Swap \| Maximum
Debt Instrument [Line Items]
Derivative, Fixed Interest Rate	1.3915%		1.3915%
Senior Secured Term Loan B-5
Debt Instrument [Line Items]
Debt outstanding	$ 573,200,000		$ 573,200,000		$ 2,179,400,000
Debt Instrument, Maturity Date			Nov. 15, 2026
Long-term Debt, Percentage Bearing Variable Interest, Percentage Rate	6.70%		6.70%		7.21%
Debt Instrument, Unamortized Discount (Premium), Net	$ 300,000		$ 300,000		$ 1,900,000
Debt Issuance Costs, Noncurrent, Net	$ 1,000,000		$ 1,000,000		$ 4,600,000
Senior Secured Term Loan A-3
Debt Instrument [Line Items]
Debt Instrument, Maturity Date			Jun. 24, 2029
Long-term Debt, Percentage Bearing Variable Interest, Percentage Rate	6.35%		6.35%		6.96%
Debt Instrument, Unamortized Discount (Premium), Net	$ 400,000		$ 400,000		$ 400,000
Debt Issuance Costs, Noncurrent, Net	3,500,000		3,500,000		3,400,000
Senior Secured Term Loan B-7
Debt Instrument [Line Items]
Debt outstanding	$ 1,861,700,000		$ 1,861,700,000		0
Debt Instrument, Maturity Date			Dec. 01, 2028
Long-term Debt, Percentage Bearing Variable Interest, Percentage Rate	6.85%		6.85%
Debt Instrument, Unamortized Discount (Premium), Net	$ 7,100,000		$ 7,100,000
Debt Issuance Costs, Noncurrent, Net	16,700,000		16,700,000
Senior Secured Term Loan B-6
Debt Instrument [Line Items]
Debt outstanding	0		0		$ 1,864,800,000
Long-term Debt, Percentage Bearing Variable Interest, Percentage Rate					7.72%
Debt Instrument, Unamortized Discount (Premium), Net					$ 3,500,000
Debt Issuance Costs, Noncurrent, Net					20,000,000
Finance leases
Debt Instrument [Line Items]
Debt outstanding	0		0		100,000
Senior Secured Revolving Credit Facility
Debt Instrument [Line Items]
Debt outstanding	0		0		0
Senior Secured Term Loan A-4
Debt Instrument [Line Items]
Debt outstanding	1,279,900,000		1,279,900,000		1,296,100,000
Senior Secured Term Loan B-8
Debt Instrument [Line Items]
Debt outstanding	$ 1,486,600,000		$ 1,486,600,000		$ 0
Debt Instrument, Maturity Date			Jun. 24, 2031
Long-term Debt, Percentage Bearing Variable Interest, Percentage Rate	6.60%		6.60%
Debt Instrument, Unamortized Discount (Premium), Net	$ 4,200,000		$ 4,200,000
Debt Issuance Costs, Noncurrent, Net	$ 5,400,000		$ 5,400,000

Debt - Schedule of Debt Maturit

Debt - Schedule of Debt Maturities (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Debt and Lease Obligation	$ 5,201.4	$ 5,340.4
Less short-term debt and current portion of long-term debt	(66.5)	(89.6)
2021 Interest Rate Swap
Debt Instrument [Line Items]
Derivative, Notional Amount	$ 1,556
2021 Interest Rate Swap \| Minimum
Debt Instrument [Line Items]
Derivative, Fixed Interest Rate	1.38%
2021 Interest Rate Swap \| Maximum
Debt Instrument [Line Items]
Derivative, Fixed Interest Rate	1.3915%
Senior Secured Term Loan B-5
Debt Instrument [Line Items]
Debt and Lease Obligation	$ 573.2	$ 2,179.4
Debt Instrument, Maturity Date	Nov. 15, 2026
Long-term Debt, Percentage Bearing Variable Interest, Percentage Rate	6.70%	7.21%
Debt Instrument, Unamortized Discount (Premium), Net	$ 0.3	$ 1.9
Debt Issuance Costs, Noncurrent, Net	1	4.6
Senior Secured Term Loan B-6
Debt Instrument [Line Items]
Debt and Lease Obligation	$ 0	$ 1,864.8
Long-term Debt, Percentage Bearing Variable Interest, Percentage Rate		7.72%
Debt Instrument, Unamortized Discount (Premium), Net		$ 3.5
Debt Issuance Costs, Noncurrent, Net		$ 20

Debt - Narrative (Details)

Debt - Narrative (Details) - USD ($)				3 Months Ended		9 Months Ended
Debt - Narrative (Details) - USD ($)	Jun. 24, 2024	Feb. 08, 2024	Oct. 27, 2023	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023	Oct. 26, 2023
Line of Credit Facility [Line Items]
Repayments of Secured Debt						$ 927,900,000	$ 0
Proceeds from term loans						934,900,000	0
Write off of Deferred Debt Issuance Cost				$ 100,000		300,000
Debt and Lease Obligation				5,201,400,000		5,201,400,000		$ 5,340,400,000
Letters of Credit Outstanding, Amount				1,200,000		1,200,000
Incremental Borrowings, Amount				$ 1,000,000,000		$ 1,000,000,000
Incremental Borrowings Criteria, Percentage of Consolidated EBITDA				100%		100%
Incremental Borrowings Criteria, Senior Secured Leverage ratio				4.25		4.25
Net Leverage Ratio Requirement				5.5		5.5
Covenant Dividend Restriction Amount				$ 100,000,000		$ 100,000,000
Covenant Dividend Restriction Percentage of Consolidated EBITDA				10%		10%
Net Leverage Ratio Requirement, Dividends				4.75		4.75
Net change on interest rate swap				$ (63,600,000)	$ 2,000,000	$ (68,900,000)	(2,700,000)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax				(47,700,000)	1,500,000	(51,700,000)	(2,000,000)
Interest Expense (Income), Hedge, gross of tax				30,900,000	30,800,000	92,800,000	81,100,000
Interest Expense (Income), Hedge, net of tax				23,200,000	23,100,000	69,600,000	60,900,000
Debt Instrument, Fair Value Disclosure				5,212,900,000		5,212,900,000		5,378,500,000
2024 Interest Rate Swap
Line of Credit Facility [Line Items]
Derivative, Notional Amount				$ 400,000,000		$ 400,000,000
2024 Interest Rate Swap \| Minimum
Line of Credit Facility [Line Items]
Derivative, Fixed Interest Rate				3.065%		3.065%
2024 Interest Rate Swap \| Maximum
Line of Credit Facility [Line Items]
Derivative, Fixed Interest Rate				3.1495%		3.1495%
2022 Interest Rate Swap
Line of Credit Facility [Line Items]
Derivative, Notional Amount				$ 1,285,000,000		$ 1,285,000,000
2022 Interest Rate Swap \| Minimum
Line of Credit Facility [Line Items]
Derivative, Fixed Interest Rate				4.338%		4.338%
2022 Interest Rate Swap \| Maximum
Line of Credit Facility [Line Items]
Derivative, Fixed Interest Rate				4.387%		4.387%
Interest Rate Swap
Line of Credit Facility [Line Items]
Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months						$ 77,200,000
2020 3 year Interest Rate Swap
Line of Credit Facility [Line Items]
Derivative, Notional Amount				$ 1,065,000,000		$ 1,065,000,000
2020 3 year Interest Rate Swap \| Minimum
Line of Credit Facility [Line Items]
Derivative, Fixed Interest Rate				0.868%		0.868%
2020 3 year Interest Rate Swap \| Maximum
Line of Credit Facility [Line Items]
Derivative, Fixed Interest Rate				0.88%		0.88%
Senior Secured Revolving Credit Facility
Line of Credit Facility [Line Items]
Maximum borrowing capacity			$ 600,000,000						$ 300,000,000
Debt and Lease Obligation				$ 0		$ 0		0
Line of Credit Facility, Remaining Borrowing Capacity				598,800,000		598,800,000
Senior Secured Term Loan B-5
Line of Credit Facility [Line Items]
Repayments of Secured Debt				25,000,000		105,000,000
Debt and Lease Obligation				573,200,000		573,200,000		2,179,400,000
Debt Instrument, Fair Value Disclosure				568,000,000		568,000,000		2,191,500,000
Senior Secured Term Loan B-6
Line of Credit Facility [Line Items]
Repayments of debt			300,000,000
Write off of Deferred Debt Issuance Cost					1,000,000		3,100,000
Payment for Debt Extinguishment or Debt Prepayment Cost					$ 75,000,000		$ 225,000,000
Debt and Lease Obligation				0		0		1,864,800,000
Debt Instrument, Fair Value Disclosure				0		0		1,895,100,000
Senior Secured Term Loan A-4
Line of Credit Facility [Line Items]
Face amount of debt			$ 1,300,000,000
Debt and Lease Obligation				1,279,900,000		1,279,900,000		1,296,100,000
Debt Instrument, Fair Value Disclosure				1,262,900,000		1,262,900,000		1,291,900,000
Senior Secured Term Loan B-7
Line of Credit Facility [Line Items]
Face amount of debt		$ 1,900,000,000
Debt Issuance Costs, Gross		4,700,000
Debt and Lease Obligation				1,861,700,000		1,861,700,000		0
Debt Instrument, Fair Value Disclosure				1,886,700,000		1,886,700,000		0
Senior Secured Term Loan B-6 And Senior Secured Term Loan B-7
Line of Credit Facility [Line Items]
Repayments of Secured Debt		257,100,000
Proceeds from term loans		$ 264,100,000
Senior Secured Term Loan B-8
Line of Credit Facility [Line Items]
Debt and Lease Obligation				1,486,600,000		1,486,600,000		0
Debt Instrument, Fair Value Disclosure				$ 1,495,300,000		1,495,300,000		$ 0
Senior Secured Revolving Credit Facility \| Senior Secured Term Loan B-8
Line of Credit Facility [Line Items]
Face amount of debt	$ 1,500,000,000
Debt Issuance Costs, Gross	8,700,000
Repayments of Secured Debt	670,800,000
Proceeds from term loans	$ 670,800,000
Debt Instrument, Springing Maturity Term	91 days
Debt Instrument, Covenant, Credit Spread Adjustment Limit	$ 250,000,000
Write off of Deferred Debt Issuance Cost						$ 8,900,000

Debt - Fair Value (Details)

Debt - Fair Value (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Debt Instrument, Fair Value Disclosure	$ 5,212.9	$ 5,378.5
Senior Secured Term Loan B-6
Debt Instrument [Line Items]
Debt Instrument, Fair Value Disclosure	0	1,895.1
Senior Secured Term Loan B-5
Debt Instrument [Line Items]
Debt Instrument, Fair Value Disclosure	568	2,191.5
Senior Secured Term Loan A-4
Debt Instrument [Line Items]
Debt Instrument, Fair Value Disclosure	1,262.9	1,291.9
Senior Secured Term Loan B-8
Debt Instrument [Line Items]
Debt Instrument, Fair Value Disclosure	1,495.3	0
Senior Secured Term Loan B-7
Debt Instrument [Line Items]
Debt Instrument, Fair Value Disclosure	$ 1,886.7	$ 0

Stockholders' Equity (Details)

Stockholders' Equity (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	3 Months Ended						9 Months Ended		12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2024	Sep. 30, 2023	Feb. 07, 2018	Dec. 31, 2023	Feb. 13, 2017
Class of Stock [Line Items]
Common Stock, Dividends, Per Share, Cash Paid	$ 0.105	$ 0.105	$ 0.105	$ 0.105	$ 0.105	$ 0.105
Common stock dividends	$ 20.9	$ 20.4	$ 20.8	$ 20.5	$ 20.8	$ 20.8
Stock Repurchase Program, Authorized Amount											$ 300
Stock Repurchase Program, Period in Force									3 years
Stock Repurchase Program,	133.5						$ 133.5
Stock Repurchase Program, Remaining Authorized Repurchase Amount	$ 166.5						$ 166.5
Vesting of restricted stock units	0.6			0.3
Preferred Stock, Shares Authorized	100						100			100
Preferred Stock, Shares Issued	0						0			0
Preferred Stock, Shares Outstanding	0						0			0
Common Stock
Class of Stock [Line Items]
Vesting of restricted stock units	0.6		0.4	0.3	0.1	0.3	1	0.7

Revenue (Details)

Revenue (Details) $ in Millions	3 Months Ended	9 Months Ended
Revenue (Details) $ in Millions	Sep. 30, 2024 USD ($)	Sep. 30, 2024 USD ($)
Revenue, Performance Obligation [Abstract]
Number of Types of Performance Obligations		2
Revenue, Remaining Performance Obligation, Amount	$ 670	$ 670
Contract With Customer Liability Noncurrent Recognition Period	2 years
Contract with Customer, Refund Liability	$ 0	$ 0
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2024-10-01
Revenue, Performance Obligation [Abstract]
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Period	1 year	1 year
Revenue, Remaining Performance Obligation, Percentage	55%	55%
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2025-10-01
Revenue, Performance Obligation [Abstract]
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Period	1 year	1 year
Revenue, Remaining Performance Obligation, Percentage	30%	30%
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Start Date [Axis]: 2026-10-01
Revenue, Performance Obligation [Abstract]
Revenue, Remaining Performance Obligation, Expected Timing of Satisfaction, Period
Revenue, Remaining Performance Obligation, Percentage	15%	15%
Stand Ready Performance Obligations [Member]
Revenue, Performance Obligation [Abstract]
Revenue, Performance Obligation, Description of Good or Service		Stand Ready Performance Obligations
Other Performance Obligations [Member]
Revenue, Performance Obligation [Abstract]
Revenue, Performance Obligation, Description of Good or Service		Other Performance Obligations

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	3 Months Ended						9 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2024	Sep. 30, 2023
Net Income
Net income (loss)	$ 71.9			$ (314.4)			$ 231.6	$ (200.3)
Less: net income attributable to the noncontrolling interests	(3.9)			(4.3)			(13.4)	(11.9)
Net Income (Loss) Attributable to Parent	$ 68			$ (318.8)			$ 218.2	$ (212.2)
Earnings Per Share, Diluted [Abstract]
Basic	194.6			193.4			194.3	193.3
Dilutive impact of stock based awards	2.4			0			2	0
Diluted	197			193.4			196.3	193.3
Earnings Per Share, Basic [Abstract]
Earnings Per Share, Basic	$ 0.35			$ (1.65)			$ 1.12	$ (1.10)
Earnings Per Share, Diluted	0.35			(1.65)			$ 1.11	$ (1.10)
Common Stock, Dividends, Per Share, Cash Paid	$ 0.105	$ 0.105	$ 0.105	$ 0.105	$ 0.105	$ 0.105
Income (loss) from continuing operations	$ 71.9			$ (313.9)			$ 231.6	$ (199.6)
Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent	$ 68			$ (318.3)			$ 218.2	$ (211.5)
Contingently Issuable Performance-Based Stock Awards
Earnings Per Share, Basic [Abstract]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount							0.2	0.5
Antidilutive Weighted Stock-Based Awards
Earnings Per Share, Basic [Abstract]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount							0.1	1.3

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Millions	3 Months Ended			9 Months Ended
Income Taxes (Details) - USD ($) $ in Millions	Sep. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Income Tax Examination [Line Items]
Effective tax benefit rate	25.70%		(7.60%)	22.90%	(43.10%)
Unrecognized tax benefits	$ 48.5			$ 48.5		$ 45
Unrecognized tax benefits that would impact effective tax rate	$ 37.5			37.5		$ 34.5
Unrecognized tax benefits, income tax penalties and interest expense		$ 14		$ 17.9
U.S. federal statutory rate	21%			21%	21%

Financial Instruments Measured

Financial Instruments Measured At Fair Value, on Recurring Basis (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023	Dec. 31, 2022
Assets
Interest rate swaps (Notes 10 and 15)	$ 93.4	$ 162.3
Fair Value, Recurring
Assets
Interest rate swaps (Notes 10 and 15)	93.4	162.3
Note receivable (Note 5)	87.8	82	$ 70.3
Debt Securities, Available-for-sale, Current	2.8	2.7
Total	184	247
Investments, Fair Value Disclosure [Abstract]
Consideration in the form of a note receivable			$ 72
Interest Receivable, Percentage			10.60%
Fair Value, Recurring \| Level 1
Assets
Interest rate swaps (Notes 10 and 15)	0	0
Note receivable (Note 5)	0	0
Debt Securities, Available-for-sale, Current	0	0
Total	0	0
Fair Value, Recurring \| Level 2
Assets
Interest rate swaps (Notes 10 and 15)	93.4	162.3
Note receivable (Note 5)	87.8	82
Debt Securities, Available-for-sale, Current	2.8	2.7
Total	184	247
Fair Value, Recurring \| Level 3
Assets
Interest rate swaps (Notes 10 and 15)	0	0
Note receivable (Note 5)	0	0
Debt Securities, Available-for-sale, Current	0	0
Total	$ 0	$ 0

Reportable Segments (Details)

Reportable Segments (Details) $ in Millions	3 Months Ended		9 Months Ended
Reportable Segments (Details) $ in Millions	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) Segment segment	Sep. 30, 2023 USD ($)
Segment Reporting Information [Line Items]
Number of Operating Segments \| Segment			2
Number of Corporate Units \| segment			1
Revenue	$ 1,085	$ 968.7	$ 3,147	$ 2,876.9
EBITDA
Corporate expense	(36.7)	(34.5)	(110.6)	(104.3)
Net interest expense	(58.9)	(67.8)	(183.3)	(202.1)
Depreciation and amortization	(133.6)	(131.3)	(400.5)	(391.1)
Stock-based compensation	(33.8)	(27)	(85.7)	(73.3)
Impairment to goodwill	0	(414)	0	(414)
Mergers and acquisitions, divestitures and business optimization	(7.3)	6	(17.1)	(24.5)
Accelerated technology investment	(21.8)	(16.3)	(58.6)	(53.5)
Operating model optimization program	(47.3)	0	(86.4)	0
Net other	2	(1.8)	(9.7)	(10.6)
Net income attributable to non-controlling interests	(3.9)	(4.3)	(13.4)	(11.9)
Total adjustments	(333.6)	(682.3)	(938.4)	(1,261.4)
Income (loss) from continuing operations before income taxes	96.8	(291.7)	300.5	(139.5)
Operating Segments
Segment Reporting Information [Line Items]
Revenue	1,089.6	971.2	3,159.2	2,885.8
EBITDA
Segments Adjusted EBITDA	430.4	390.6	1,239	1,121.9
Operating Segments \| U.S. Markets
Segment Reporting Information [Line Items]
Revenue	848.1	754	2,445.9	2,256.9
EBITDA
Segments Adjusted EBITDA	319.9	293.7	920.9	850.9
Operating Segments \| International
Segment Reporting Information [Line Items]
Revenue	241.6	217.1	713.3	628.9
EBITDA
Segments Adjusted EBITDA	110.5	97	318.1	271
Operating Segments \| International \| Canada
Segment Reporting Information [Line Items]
Revenue	39.4	36.9	115.9	103.9
Operating Segments \| International \| Latin America
Segment Reporting Information [Line Items]
Revenue	33.5	31.2	100.9	90.2
Operating Segments \| International \| United Kingdom
Segment Reporting Information [Line Items]
Revenue	57.8	54.5	168.6	160.7
Operating Segments \| International \| Africa
Segment Reporting Information [Line Items]
Revenue	17.1	15.2	48	44.3
Operating Segments \| International \| India
Segment Reporting Information [Line Items]
Revenue	68.2	56.1	202.8	161.8
Operating Segments \| International \| Asia Pacific
Segment Reporting Information [Line Items]
Revenue	25.6	23.1	77.1	67.9
Intersegment Eliminations
Segment Reporting Information [Line Items]
Revenue	(4.7)	(2.5)	(12.3)	(8.9)
Intersegment Eliminations \| U.S. Markets
Segment Reporting Information [Line Items]
Revenue	(2.8)	(1)	(7.4)	(4.6)
Intersegment Eliminations \| International
Segment Reporting Information [Line Items]
Revenue	(1.9)	(1.5)	(4.8)	(4.3)
Financial Services \| Operating Segments \| U.S. Markets
Segment Reporting Information [Line Items]
Revenue	367.2	313.7	1,077.6	949.6
Emerging Verticals \| Operating Segments \| U.S. Markets
Segment Reporting Information [Line Items]
Revenue	307.2	297.3	913.1	877.9
Consumer Interactive \| Operating Segments \| U.S. Markets
Segment Reporting Information [Line Items]
Revenue	$ 173.7	$ 143.1	$ 455.1	$ 429.4

Reportable Segments - Earnings

Reportable Segments - Earnings from Equity Method Investments Included in Non-Operating Income and Expense (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Segment Reporting Information [Line Items]
Earnings from equity method investments	$ 4.7	$ 3.7	$ 14	$ 11.7
U.S. Markets
Segment Reporting Information [Line Items]
Earnings from equity method investments	0	(0.3)	0.1	0.7
International
Segment Reporting Information [Line Items]
Earnings from equity method investments	$ 4.7	$ 4	$ 13.9	$ 10.9

Contingencies (Details)

Contingencies (Details) - USD ($) $ in Millions	9 Months Ended
Contingencies (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Loss Contingencies [Line Items]
Accrued legal and regulatory matters	$ 110.5	$ 147.8
CFPB Matter
Loss Contingencies [Line Items]
Loss Contingency Accrual	56	$ 56
Argus Department of Justice Matter
Loss Contingencies [Line Items]
Payments for settlements	37
Proceeds from settlements	$ 37

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Millions	3 Months Ended						9 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2024	Sep. 30, 2023
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance			$ 4,105.5				$ 4,105.5
Other comprehensive income (loss)	$ 5.7			$ (48.2)			(29.8)	$ 32.8
Ending balance	4,321.2						4,321.2
Accumulated Other Comprehensive Loss
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(295.8)	$ (262.8)	(260.9)	(202.6)	$ (282.2)	$ (284.5)	(260.9)	(284.5)
Other comprehensive income (loss)	6.3	(33)	(1.9)	(47.8)	79.6	2.3
Ending balance	(289.5)	(295.8)	(262.8)	(250.4)	(202.6)	(282.2)	(289.5)	(250.4)
Foreign Currency Translation Adjustment
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(414.2)	(393.6)	(383.4)	(378)	(425.6)	(463.5)	(383.4)	(463.5)
Other comprehensive income (loss)	53.9	(20.7)	(10.2)	(49.2)	47.6	37.9
Ending balance	(360.3)	(414.2)	(393.6)	(427.2)	(378)	(425.6)	(360.3)	(427.2)
Net Unrealized (Loss)/Gain On Hedges
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	118	130.3	122	175.1	143	178.6	122	178.6
Other comprehensive income (loss)	(47.7)	(12.3)	8.3	1.5	32.1	(35.6)
Ending balance	70.3	118	130.3	176.6	175.1	143	70.3	176.6
Net Unrealized Gain/(Loss) On Available-for-sale Securities
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	0.2	0.2	0.2	0.1	0.2	0.2	0.2	0.2
Other comprehensive income (loss)	0.1	0	0	0	(0.1)	0
Ending balance	$ 0.3	$ 0.2	$ 0.2	$ 0.1	$ 0.1	$ 0.2	$ 0.3	$ 0.1

Revision of Previously Issued_3

Revision of Previously Issued Financial Statements (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Operating expenses
Cost of services (exclusive of depreciation and amortization below)	$ 448.7	$ 368.8	$ 1,261.7	$ 1,136.8
Selling, general and administrative	305.7	290.8	922.1	867.7
Total operating expenses	$ 928.6	1,205	$ 2,651	2,809.6
As Previously Reported
Operating expenses
Cost of services (exclusive of depreciation and amortization below)		344.8		1,073.2
Selling, general and administrative		314.8		931.3
Total operating expenses		1,205		2,809.6
Adjustment
Operating expenses
Cost of services (exclusive of depreciation and amortization below)		24		63.6
Selling, general and administrative		(24)		(63.6)
Total operating expenses		$ 0		$ 0