Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint against XXXX XXXX for Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing this complaint to bring to your attention the egregious violations committed by XXXX XXXX, a company engaged in unfair and deceptive business practices. My complaint is grounded in the violations of various consumer protection laws, including but not limited to 16 CFR 313, 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, 16 CFR 433.4, 16 CFR 433.5, 15 USC 6801, 15 USC 6802, 15 USC 1681, the Privacy Act of 1974, the Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Act. 

I recently discovered that XXXX XXXX has been reporting my transaction history to TransUnion, XXXX, and XXXX without my explicit authorization. This unauthorized reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Specifically, the following violations have occurred : 16 CFR 313 - Privacy of Consumer Financial Information : XXXX XXXX has failed to provide proper notice and opt-out mechanisms as required under XXXX CFR XXXX. Moreover, the company has neglected to obtain my explicit consent before disclosing my nonpublic personal information to credit reporting agencies. 

16 CFR 433.1 - Preservation of Consumers ' Claims and Defenses : XXXX XXXX has violated this regulation by reporting inaccurate and unauthorized information to credit reporting agencies, damaging my credit history and causing harm to my financial reputation.

15 USC 6801 and 15 USC 6802 - Protection of Nonpublic Personal Information : XXXX XXXX has failed to implement and maintain reasonable procedures to protect the confidentiality and security of my nonpublic personal information. 

15 USC 1681- Fair Credit Reporting Act : The company has unlawfully reported inaccurate information without obtaining the required authorization, thus violating the FCRA. 

Fair Debt Collection Act : If XXXX XXXX is attempting to collect a debt, the company must adhere to the Fair Debt Collection Act, which includes providing accurate information and validating the debt upon request. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions against XXXX XXXX for their blatant disregard of consumer protection laws. I also request that you ensure the correction of any inaccuracies reported to credit bureaus and the cessation of unauthorized reporting. 

Thank you for your prompt attention to this matter. I believe your intervention is crucial to protecting consumers and upholding the integrity of the laws designed to safeguard their rights. 

Sincerely, XXXX XXXX XXXX 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 non-monetary relief