Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am a federally protected consumer as defined under the FCRA. XXXX XXXX, Transunion, XXXX, and XXXX are financial institutions as defined under 15 USC 6827. None of these companies ever provided me with the adequate disclosures required by law of my rights to privacy and to opt out of sharing my non public information ( Non public information is .Any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; C any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or C any information you get about an individual in connection with providing a -5- financial product or service ( for example, information from court records or from a consumer report ). It is their duty to give me these disclosures clearly and conspicuously in accordance with federal law. In the case FTC v Transunion LLC further proves the above entities are financial institutions and are to comply with the disclosure requirements under XXXX. The case further stated ; The GLBA restricts the ability of a " financial institution '' to disclose XXXX to a nonaffiliated third party by requiring ( subject to certain exceptions not pertinent here ) that the financial institution provide the consumer with notice of the institution 's disclosure policies and the opportunity for the consumer to " opt out '' of disclosure. Id. 6802 ( a ) - ( b ), ( XXXX ). The XXXX further mandates that an unaffiliated third party recipient of XXXX " shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. '' Id. 6802 ( c ). 
AS STATED BEFORE I HAVE NEVER RECEIVED THESE DISCLOSURES OF MY RIGHTS TO PRIVACY AND TO OPT OUT. THESE COMPANIES ARE EXTORTING AND COERCING COMSUMERS TO PAY ALLEGED DEBTS AND HARMING THEIR REPUTATION. 
Lastly, I spoke to several reps at TransUnion today who claim they do not have to comply with that law, and for me to contact XXXX to get the information removed. When I called XXXX they told me to call the CRA to get it removed because they can not. They are all in cahoots to deceive consumers as they have been doing for decades. 

See the attached cease and desist to remove my information. Immediately upon receipt.

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