Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion is violating me as a federally protected consumer, invading on my right to privacy, denying the right to OPT OUT of reporting my non-public personal information, using detrimental procedures to discriminate against me causing grave harm to my credit reputation and credit worthiness. 

In XXXX of XXXX, I the federally protected consumer, sent TransUnion written notice via certified mail stating " Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations, I the consumer may have given TransUnion via written, unwritten, verbal and non-verbal per 16 CFR 313.1 and 15 USC 6802. '' Before submitting notice I initiated online dispute for accounts, that not only were being reported without providing me the right to OPT OUT, but the accounts contained multiple inaccuracies.

Despite making numerous online disputes and CFPB complaints, TransUnion has refused to honored the The Privacy Act of 1974, Privacy of Consumer Information, Fair Credit Reporting Act, and any written instructions provided by me, the federally protected consumer whom the consumer report is reporting on. Pursuant to 15 USC 6802 - a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless - A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
TransUnion has not provided me with notice from any of the reporting financial institutions, a notice where I was given the write to OPT OUT and declined and TransUnion has never provided me with the right to OPT OUT out having my non-public personal information reported despite being given written notice to OPT OUT.

In general the tern " financial Institution '' means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. Pursuant to 12 USC 1843 ( k ) Engaging in Activities That Are Financial In Nature - ( 1 ) In General Notwithstanding subsection ( a ), a financial holding company may engage in any activity, and may acquire and retain the shares of any company engaged in any activity, that the Board, in accordance with paragraph ( 2 ), determines ( by regulation or order ) ( A ) to be financial in nature or incidental to such financial activity ; or ( B ) is complementary to a financial activity and does not pose a substantial risk to the safety or soundness of depository institutions or the financial system generally. 

Pursuant to the definition of " financial institution '' TransUnion is a financial institution is subject to the same disclosure as the company making the account reporting on the consumers report. TransUnion never gave a notice to OPT OUT of reporting. TransUnion did not get consent from me, the federally protected consumer to sell my information to third parties, market my non-public personal information for promotional profit, or before creating a consumer report on me. My TransUnion consumer report is reflecting duplicate student loan accounts that have been consolidated, closed and discharged, accounts with inaccurate and incomplete account history, accounts sold to third parties, personal phone numbers, and addresses. The accounting record for XXXX. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are incorrect and TransUnion does not have my consent to report this non-public personal information. These financial services and products were obtained for the sole purpose was for personal, family and household use. TransUnion is reporting multiple inaccurate accounts that have been discharged. Pursuant to IRS Publication 4681, discharged debt is income and income is not reported on consumer reports. 

TransUnion is reporting data retrieved from third party XXXX reporting sites without properly validating that data or providing federally protected consumer the right to OPT OUT of reporting. 
Cases : # XXXX, # XXXX, # XXXX Since TransUnion themselves can't even report accurate data, how can they ensure that the data gathered form XXXX is accurate. AGAIN TransUnion has fair and equitable procedures for everyone it does business with EXCEPT the consumer. This is a direct violation of 15 USC 1681. Pursuant to 15 USC 1681a ( d ) ( 2 ) a consumer report does not include any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;.

Transunion is over 100 inquiry transactions on my consumer report that are the sole result of an experience between me, the federally protected consumer and the person making the report. TransUnion is also committing securities fraud by collecting and selling consumer data without consent or knowledge to investors for profit on the secondary market in the United States and many other countries as described in the SEC Prospectus filings by Transunion Corp. This is blatant willful negligence on behalf of TransUnion to fraud the consumer, discriminate against the consumer, violated the consumers right to fairness, accuracy and privacy, damage the consumers reputation, credit reputation, and credit worthiness while racking in profit and proceeds of millions of dollars at the expense of the consumer. Pursuant to 15 USC 1681n and 15 USC 1681o Transunion is civilly liable for willful noncompliance and negligent noncompliance. 

This is a final notice of default and opportunity to cure before legal action is taken by me, the federally protected consumer, to enforce my rights to fairness, accuracy, privacy, and to be forgotten.

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