Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Investigation Request Letter Date of Birth : XX/XX/ SS # : XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Transunion, XXXX and XXXX are consumer reporting agencies 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 companies associated with the list of accounts below are a financial institution by definition under that title. 15 USC 1681 section 604 a 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. '' 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) states Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The financial institutions Associated with the accounts below and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, and to the financial institutions associated with the accounts below whether it be verbal, non-verbal, written, implied or otherwise is revoked. They have demonstrated improper use of my report by reporting my transaction history against 15 U.S.C. 1681a. 15 USC 6802 ( b ) ( c ) states that " A financial institution 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. '' The financial institutions associated with the accounts below Never informed me of my right to exercise my nondisclosure option. Not only that 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 convictions of crimes which antedates the report by more than seven years. '' The accounts in mention below are an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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. 15 U.S. Code 1681e 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. Transunion, XXXX and XXXX 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 opting out of your reporting services. 



Credit account : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXXXXXX XXXX Account number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the reporting isnt XXXX percent accurate, please remove them from this account and update the account as paid as agreed Paid Account/Late Payments : XXXX XXXX XXXX . 
Account number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the reporting isnt XXXX percent accurate, please remove them from this account and update the account as paid as agreed Paid Account/Late Payments : XXXX XXXX XXXX Account XXXX : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the reporting isnt XXXX percent accurate, please remove them from this account and update the account as paid as agreed Paid account/Late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid account/Late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid account/Late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

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