Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Summary : Consumer Credit Reporting Agencies ( credit bureaus ) XXXX, XXXX and Transunion have overwhelmingly and repeatedly violated my right to privacy as a consumer and have not protected my nonpublic personal information as required by Title VI of the Consumer Credit Protection Act ( Fair Credit Reporting Act 15 USC 1681 et seq. ), and have also committed identity theft under 12 CFR 1022.3 - fraud committed or attempted using the identifying information of another person without authority ; aside from the FCRA violations, I believe that requesting, selling, obtaining and adding nonpublic personal financial information to my credit report constitutes as identity fraud. 

Explanations : " 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' 15 USC 6801 ( a ) Privacy obligation policy 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 nonpublic personal information. '' Furnishers of information ( credit bureaus ) to credit agencies are by definition under that title,1 5 USC 6801, financial institutions.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states that : " ( 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, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Obtaining expressed written consent to report nonpublic personal information to a credit report constitutes as a reasonable procedure.

Conclusion : The three Consumer Credit Reporting Agencies ( credit bureaus ), the furnishers of information to credit agencies, XXXX, XXXX and Transunion have repeatedly, blatantly and brazenly defied the law as written in Fair Credit Reporting Act and Code of Federal Regulations, and have violated my rights under those laws which are written to protect my rights to privacy as a consumer. This is not a small offense, this is an egregious overstepping and acting above the law ; and it was in no way fair or equitable to me as a consumer. Had I done such a thing, I would without a doubt receive a severe fine or worse, a prison sentence. Why are these credit bureaus allowed to act outside the law, and with that destroy my financial opportunities, quality of life and cause me severe emotional distress and financial damages?

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