Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, TransUnion, and XXXX are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my confidential information is not shared, which is backed by 15 USC 6801 which states '' It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution under that title 15 USC 1681 section 604 a section 2 states that '' In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TransUnion, and XXXX is revoked concerning reporting this inaccurate information involving these accounts. XXXX XXXX XXXX acct. # XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX acct. # XXXX, XXXX  XXXX Bankruptcy Acct. Reference # : XXXX. Whether it be verbal, non verbal, written implied or otherwise is revoked 15 USC 6802 ( b ) ( c ) states that " A Financial institution may not disclosed nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure options ' ( furnisher of information to credit agencies ) Never informed of my rights to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : '' Except as authorized under subsection ( b ) no consumer reporting agency may make consumer report containing any of the following adverse item of information, other than other than records of convictions of crimes which antadates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law 15 USC 1681s2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC code 1681e states " Every consumer reporting shall maintain reasonable procedures designed to avoid violation of section 1681c of title and to limit the furnishing of the consumer reports to the purpose listed under section 1681b of this title XXXX, transUnion, and XXXX are not maintaining 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.

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