Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of XXXX XXXX people. 

The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. 
The settlement includes up to {$420.00} XXXX to help people affected by the data breach. 
The initial deadline to file a claim in the XXXX settlement was XX/XX/XXXX. 
After XX/XX/XXXX, you can still file a claim for expenses you incur between XX/XX/XXXX, and XX/XX/XXXX, as a result of identity theft or fraud related to the breach, such as : Losses from unauthorized charges to your accounts Fees you paid to professionals, like accountants or attorneys, to help you recover from identity theft Other expenses you incurred while recovering from identity theft, like notary fees, document shipping fees, postage, mileage, and phone charges. 
You also can file a claim for the time you spent recovering from identity theft or fraud between XX/XX/XXXX, and XX/XX/XXXX. 

You can be compensated up to {$25.00} per hour for up to 20 hours. 
There are limited funds available so your claim may be reduced. 

I would like my {$1000.00} per violation or delete these Items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send my {$4000.00} payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S. Code 1681c2 Block of information resulting from identity theft 15 U.S.C. 1681a 603.

Definitions ; rules of construction e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C. 603. Adverse Action ( k ) ( 1 ) ( b ) ( i ) ( 1 ) Actions included. The term adverse action ( A ) has the same meaning as in section 701 ( d ) ( 6 ) of the Equal Credit Opportunity Act ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Permissible purposes of consumer reports 604. ( c ) ( 1 ) ( a ) ( 3 ) ( A ) Adverse Action Notice Requirements Under the ECOA and the...

Section 615 ( b ) ( 1 ) notice ( consumer credit denied or a charge for credit increased based on information obtained from third parties other than consumer reporting...

Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate reporting of your credit information.

You're also entitled to certain privacy rights concerning your credit information and protection from the misuse of your credit data.

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