Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
THIS IS MY SECOND COMPLAINT/DISPUTE WITH ORGANIZATION. TRANSUNION is obligated by the Fair Credit Reporting Act ( FCRA ) to report accurate accounting. Pursuant to 15 USC 1681 ( a ) ( 4 ) of the FCRA, " 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. '' TRANSUNION neither exercised their responsibility with fairness and impartiality nor protected my right to privacy. Pursuant to 15 USC 1681 ( b ), TRANSUNION is required to adopt reasonable procedures for meeting the needs of commerce to the 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. TRANSUNION is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed 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 nonpublic personal information. '' The furnishers of the information being reported to the credit agencies are financial institutions by definition under that title. 15 USC 1681b ( a ) ( 2 ) of the FCRA 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. ". The furnishers of the information being reported to the credit agencies and the Consumer reporting agencies, such as TRANSUNION do not have my consent to furnish this information and they surely do not have my written consent. Furthermore 5 USC 552a under " Disclosures and conditions '' further confirms and states how NO AGENCY shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be - ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.. In addition ,5 USC 552a ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, FINANCIAL TRANSACTIONS, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. THIS INCLUDES CONSUMER REPORTS.

TRANSUNION continues to violate 15 USC 1681a2 ( A ) ( i ) by furnishing transactions or experiences between the consumer and the person making the report. That is a violation of my privacy. Additionally, by violating section 1681b for permissible purpose and 1681c for information contained in consumer reports, you, TRANSUNION are also violating compliance procedures under this title ( 15 USC 1681e ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, which your organization continuously fails to do. 
I'm aware TRANSUNION is also liable under SEC to follow certain rules. TRANSUNION Commission file is XXXX. I will be filing form 211 treasury omb forms to audit the consumers account. IF TRANSUNION does not have documentation, sufficient evidence to prove the inaccuracies, the information needs to be CORRECTED AND UPDATED IMMEDIATELY! 
TRANSUNION is securitizing consumers data yet refuses to provide consumers a copy of their CONSUMER FILE NOT CONSUMER REPORT. DO NOT RESPOND WITH A GENERIC e-OSCAR response.

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