Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
REPORTING TRANSACTION HISTORY ON CONSUMER REPORTS ARE ILLEGAL. 
CONSUMER REPORTING AGENCIES XXXX, TRANSUNION, AND XXXX ARE ILLEGALLY REPORTING TRANSACTION HISTORY ON 7 ACCOUNTS ON MY CONSUMER REPORT. 

Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction -The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

- The term consumer means an individual.

- The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living * ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IN CONCLUSION CONSUMER REPORTING AGENCIES XXXX, TRANSUNION, AND XXXX ARE ILLEGALLY REPORTING TRANSACTION HISTORY ON 7 ACCOUNTS ON MY CONSUMER REPORT. 

Privacy Act of XXXX ( 5 U.S. Code 552a ) Important Definitions- ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports- ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be - ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
- Again they need prior written instruction of the individual to whom it relates.

- Section 3711 ( e ) of title 31 States.

- ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if - ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; CONSUMER REPORTING AGENCIES XXXX, XXXX, AND TRANSUNION violated not only the Fair Credit Reporting Act but also the Privacy Act of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation