Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The Fair Credit Reporting Act clearly states that every consumer has a right to a fair and accurate credit report a ) Under 604 - 15 U.S.C. 1681b Permissible Purpose of Consumer Report, XXXX XXXX violates consumers rights by using consumers report outside purposes permitted by law which are numbered below as follows : 1 ) No order of a court having jurisdiction to issue such an order, 2 ) No written instructions from consumer, No intention of credit transactions, 3 ) ( A ) No intention of employment purposes, ( B ) No intention of underwriting of insurance, ( C ) No intention of eligibility for a license or other benefit, ( D ) No intention of potential investing, ( E ) No legitimate business need for the information in connection with a business transaction that is initiated by the consumer, ( F ) No reviewing of an account to see if the consumer continues to meet the terms of the account, ( G ) No government sponsored individually-billed travel charge cards.

15 U.S.C. 1681b Permissible Purpose of Consumer Report section ( 2 ) EXCLUSIONS also states that - The term Consumer Report Does not include ( A ) Subject to section 624, any ( i ) report containing any 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.

TransUnion has violated the rights of the consumer XXXX XXXX XXXX by allowing a reporting company in the name of XXXX XXXX to forward personal and private information on consumer XXXX XXXX XXXX to it's agency without written explicit authorization from consumer XXXX XXXX XXXX. 

The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803.

The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, TransUnion, XXXX, XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

Because XXXX XXXX deliberately violated my rights as a consumer by reporting to TransUnion and TransUnion allowed it, I demand this account be permanently deleted from all mediums of communications. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )

Company response to consumer: In progress