Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a states, " There is a need to insure that consumer reporting agencies excercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. " XXXX, XXXX and Transunion are consumer reporting agencies, and I am a consumer.I have the right to make sure my private infromation isn't shared, which is detailed by 15 USC 6801 which states, '' It is the policy of the 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 non-public personal information.Furnishers of information mentioned below are financial institutions by definition under that title.15 USC 1681 section 604a section 2 details that, '' In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following cicumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " Furnishers in attachment and listed below as well as XXXX, XXXX, and Transunion do not have my consent to furnish this infromation and definitely do not have my written consent.Any, and all consent, if provided by me, whether verbal, non-verbal, implied, written or coerced by furnishers or consumer reporting agencies given without proper disclosure of my rights, is now revoked.15 USC 6802 ( b ) ( c ) states that, '' A financial institution may not disclose non-public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can excercise that non-disclosure option.Pursuant to 15 USC 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) ( ii ) ( iii ) states, ( i ) '' report containing information solely as to transactions or experiences between the consumer and the person making the report '' ( ii ) '' communication of that information among persons related by common ownership or affiliated by corporate control '' or ( iii ) '' communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. " 15 USC 1681 ( 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 e states, '' Every consumer reporting agency shall maintain reasonable designed to avoid violations of section 1681c Except as authorized under subsection ( b ), " no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports. this is another violation of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b ( permissable purpose ) of this title. : XXXX, XXXX and Transunion are not maintaing reasonable procedures.Pursuant to 12 CFR 1016.7 details that, '' A consumer may excercise the right to opt out at any time. " I am opting out of your reporting services. " 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft. 

Personal information-No other address other than XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX no other birthday other thanXXXX No employees Summary of accounts-All inaccurate ( deletion due to innacuracies ) accounts name Account # XXXX XXXXXXXX on XXXX ( Inaccurate with other Agencies ) XXXX XXXX on transunion ( Inaccurate information ) no mathing XXXX XXXXOn transunion ( innacurate information ) no Matching XXXX XXXX  ( Inacurate information ) XXXX XXXX XXXX XXXX XXXX ( Inaccurate information ) no matching XXXX XXXX XXXX ( Inaccurate information ) not matching XXXX XXXX XXXX XXXX ( inaccurate Information ) not matching XXXX XXXX XXXX ( inaccurate information ) not matching XXXX XXXX XXXX ( inaccurate information ) not matching XXXX XXXX XXXX ( inaccurate information ) not matching XXXX XXXX XXXX XXXX XXXX ( inaccurate information ) not matching XXXX XXXX XXXXXXXX ( inaccurate information ) not matching Consumer reporting agencies are to use maximum accuracy when reporting and no accounts match on none of consumer reporting agencies, Not account numbers, dates, transactions ( which shouldnt be reported or anything in regards to any alleged account under 15 USC 1681e ( b ).

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