Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on XXXX XXXX I received an email letting me know that the available credit on my XXXX XXXX XXXX account is now less than the {$200.00} threshold that I set. My credit limit was {$3000.00} as of XX/XX/2023 with a {$650.00} balance.and it was decreased to {$900.00}. This decrease to my credit limit has caused my credit usage to appear much higher and a drop in my credit score. 

According to the Fair Credit Reporting Act 15 USC 1681 Section602, it states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and Transunion are reporting agencies, and I am the Consumer with the right to ensure that my private information is not shared as it is stated in 15 USC 6801, 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. XXXX XXXX  is a financial institution by definition under this tile. 

Fair Credit Reporting Act 15 USC 1681 Section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. My consent or my written consent to furnish this information was not granted to XXXX XXXX, the financial institution and the Consumer reporting agencies- XXXX, XXXX and Transunion. Any and all consent to XXXX, XXXX, Transunion, and XXXX Bank verbal, non-verbal, written, implied or otherwise is herein revoked.

Fair Credit Reporting Act 15 USC ( b ), ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third part may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to exercise my nondisclosure option from XXXX XXXX. Fair Credit Reporting Act 15 USC 1681C ( a ) ( 5 ) states 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 conviction of crimes which antedates 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.

Fair Credit Reporting Act 15 U.S. Code 1681 s-2 ( 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. Fair Credit Reporting Act U.S. Code 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Transunion 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 exercising my right of opting out of your reporting services.

Additionally, I am also aware that I am entitled to {$1000.00} per violation according to 15 U.S. Code 1681n Civil liability for willful noncompliance.

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