Consumer complaint received 2024-01-10
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:
In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, including TransUnion, must carry out their significant responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by 15 USC 6801. This section states the Congress 's policy, affirming the obligation of each financial institution to respect customer privacy and uphold the security and confidentiality of nonpublic personal information. The term " ( Furnisher of information to credit agencies ) '' qualifies as a financial institution under this title.

Referring to 15 USC 1681 Section 604 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report only under specific circumstances, particularly in accordance with the written instructions of the consumer to whom it pertains. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, lack my consent to furnish this information, and they do not possess my written consent. I hereby revoke any and all consent to XXXX, XXXX, and the Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied, or otherwise. 

As per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how to exercise the nondisclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise this option. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly states that no consumer reporting agency may include any adverse item of information in a consumer report without proper authorization, except for records of convictions of crimes that occurred more than seven years before the report. Reporting this account as an adverse item without my permission is a violation of the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e mandates that every consumer reporting agency maintains reasonable procedures to prevent violations and restricts the furnishing of consumer reports to specific purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 

Furthermore, as outlined in 12 CFR 1016.7, a consumer retains the right to opt out at any time. Accordingly, I am choosing to opt out of your reporting services.

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