Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It is illegal to show transaction history in a credit report. Credit is open-ended under the ECOA and FCRA. It is a violation to report transaction history of my nonpublic personal information. I have found over *49 violations* upon Transunion violating 15 U.S. Code 6801. 15 USC 1681b section ( f ) and 16 CFR 313 was violated as Transunion solicited or conspired with promotional inquiries/reviews of my credit without authorization. They are being requested to pay the {$49000.00} fee associated with 15 USC 1681n for violating my credit file. I received pay this minimum amount of such a bill to boost your score which is incredibly illegal and NOT their business. I had opted out with my Bank and they had no business to my transaction details. There is presently a billing error with my personal accounts that have been paid in full ( and not being accurately reported ). This is a deceptive practice, harming my equity and ability to do commerce under 16 CFR 433.2. 

Further, I found that they were providing promotional inquiries and reviews of my credit file to 27+ companies without my consent. There were over 49 additional offenses that totaled {$49000.00} in fees that they are being requested to pay. 

REMOVE THE FOLLOWING UNAUTHORIZED OPTED OUT PROMOTIONAL OFFERS from my REPORT : XXXX XXXX - Requested XX/XX/XXXX XXXX XXXX - Requested XX/XX/XXXX XXXX XXXX XXXX XXXX - Requested XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - Requested XX/XX/XXXX XXXX XXXX XXXX XXXX Requested XX/XX/XXXX XXXX XXXX XXXX - Requested XX/XX/XXXX XXXX XXXX XXXX XXXX - Requested XX/XX/XXXX XXXX XXXX REMOVE THE FOLLOWING UNAUTHORIZED REVIEWS FROM MY REPORT XXXX XXXX XX/XX/XXXX ( I never requested ) XXXX XXXX XXXX ( I never requested and have zero debts ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( reported also in FTC report ) XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX On the XXXX XXXX ( NO SUCH WRITTEN AUTH GIVEN ) XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( Never requested, zero debts ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This is an additional complaint ( 3rd time ) that they have failed to cure deleting the inaccurate, incomplete, or unverifiable information from 5 hard pulls to my credit file. 
REMOVE the inaccurate, incomplete, or unverifiable information. 
REMOVE : XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX REMOVE : XXXX XXXX XXXX XX/XX/XXXX They added 2 addresses to my report after numerous phone calls in XXXX, XXXX, and XXXX disputing non-mailable addresses that I have never had a single fiduciary relationship with in Illinois. This leads me to believe they conspired with a non-disclosed third pary provider of incorrect data. I have never lived in Illinois! 
These addresses disputed were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was added after XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Removed XX/XX/XXXX I am seeking a fee of {$1000.00} per fraudulent entry using 5 U.S. Code 552a and 15 U.S. Code 6801. 

Attached is the letter from XX/XX/XXXX that was sent to Transunion about the errors in my Credit File I was provided in my XXXX reports disputing additional promotional and reviews of my credit file without my consent. I have opted out of 3rd Party Affiliates being able to market any product to me and have never consented in written, unwritten, verbal, or non verbal consent to having my social security provided to ANYONE- this is a violation of 5 U.S. Code 552a. 

15 USC 1681b - Permissible Purposes ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy 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 nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

NONPUBLIC PERSONAL INFORMATION = FINANCIAL INFORMATION DEFINED : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER 5 U.S. Code 552a - Records maintained on individuals THE ONLY PARTY THAT IS ALLOWED TO ASK ME FOR MY SOCIAL SECURITY NUMBER IS THE GOVERNMENT. This would be the Secretary of States office. This would be the department of vital statistics. This would be the US Treasury. These are US GOVERNMENT AFFILIATES. Transunion is NOT the government. EACH individual who accessed my accounts were provided my social security number without my consent. Each 3rd party who provided addresses accessed my social security number without my consent.

You can review the law yourself.

IT is illegal for you to provide my social security number to ANY of the promotional offers and reviews of my credit without my permission. This is a {$1000.00} FEE + Attorneys costs per 3rd party who accessed. Same with adding addresses to my account provided to you by a 3rd party.

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