Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am writing to formally request that XXXX, XXXX, Transunion, ( collectively, the ( Consumer Reporting Agencies '' ) cease sharing my personal information with any third parties, including furnishers of information to credit agencies, without my express written consent. 


Statutory Basis : My request is based on the following provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations : 15 U.S.C. 1681 ( a ) : This section emphasizes the need for credit reporting agencies to handle consumer information with fairness, impartiality, and respect for privacy. 
15 U.S.C. 16801 : This section declares the Congressional policy that financial institutions must respect customer privacy and protect the confidentiality of nonpublic personal information.

15 U.S.C. 1681 ( b ) and 1684 ( a ) ( 2 ) : These sections limit the circumstances under which credit reports can be furnished, requiring either written consumer consent or specific legal authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits credit reports from containing certain adverse information, including outdated criminal records.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits furnishers from reporting inaccurate information to credit reporting agencies.

15 U.S.C. 1681 ( e ) : This section requires credit reporting agencies to maintain reasonable procedures to prevent violations of the FCRA.

12 C.F.R. 1016.7 : This regulation allows consumers to opt out of receiving credit reports at any time. 


Specific Concerns : Sharing of Information Without Consent : I have not provided any written or verbal consent for the Credit Reporting Agencies to share my personal information with any third party, including furnishers of information to credit agencies. 
Reporting of Adverse Item : The report contains an adverse item that is being reported again without my permission. This violates 15 U.S.C. 1681c ( a ) ( 5 ) if the item is outdated or inaccurate. 
Lack of Nondisclosure Option : I was not informed of my right to opt out of having my information shared with furnishers, as required by 15 U.S.C. 16802 ( b ) ( c ). 

Requested Actions : Therefore, I request that the Credit Reporting Agencies take the following actions immediately : Cease sharing my personal information with any third party, including furnishers of information to credit agencies, without my express written consent. 
Remove the outdated or inaccurate adverse item from my credit reports. 
Provide me with information regarding my right to opt out of having my information shared with furnishers in the future. 
I am enclosing copies of my credit reports and any relevant documentation supporting my claims. Please confirm receipt of this letter and outline the steps you will take to address my concerns. I reserve all further rights and remedies available under the FCRA and applicable laws. XXXX and XXXX do not maintain reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services. 
Thank you for your prompt attention to this matter.

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