Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This dispute is in reguards to an account on my consumer report from XXXX XXXX XXXX ( # XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my right to prevent financial institutions from sharing my nonpublic personal information without my written authorization, agreement, or a legitimate purpose. I have not granted such permission, and this constitutes a violation of the aforementioned laws. 

These are the specific violations and corresponding laws pertaining to my dispute : 15 USC 1681a ( 2 ) ( I ) : XXXX unlawfully shared transactions and experiences on my credit reports. This section prohibits reporting personal information solely related to transactions or experiences between a consumer and the reporting entity. 

15 USC 6802 ( b ) ( 1 ) : XXXX disclosed nonpublic personal information to an unaffiliated third party without providing me with the mandatory notice. This section requires financial institutions to notify consumers before disclosing nonpublic personal information to nonaffiliated third parties. 

In light of these violations, I demand the immediate removal of all XXXX account transactions and experiences from my credit reports. I have already filed a fee schedule with the court clerk in my jurisdiction. If this matter remains unresolved within seven days, I will pursue legal action, including reporting this violation to all relevant government agencies and regulatory bodies. 

My course of legal action will include : Internal Revenue Service ( IRS ) : I will notify the IRS of XXXX 's potential violation of tax laws related to financial information sharing. 

Securities and Exchange Commission ( SEC ) : I will inform the SEC of XXXX 's potential violation of securities laws related to the protection of investor information. 

Federal Trade Commission ( FTC ) : I will file a complaint with the FTC regarding XXXX 's unfair and deceptive practices. 

Federal Bureau of Investigation ( FBI ) : I will report XXXX 's potential violation of federal laws related to financial information privacy. 

Financial Crimes Enforcement Network ( FinCEN ) : I will notify FinCEN of XXXX 's potential violation of anti-money laundering regulations. 

Office of the Comptroller of the Currency ( OCC ) : I will inform the OCC of XXXX 's potential violation of banking regulations related to consumer information privacy. 

Federal Communications Commission ( FCC ) : If XXXX has used telecommunications channels to violate my rights, I will report them to the FCC. 

Consumer Financial Protection Bureau ( CFPB ) : I will file a complaint with the CFPB regarding XXXX 's violation of consumer protection laws. 

State Governors : I will notify the governors of all relevant states about XXXX 's potential violations of state laws related to consumer information privacy. 

State District Attorneys : I will report XXXX to the district attorneys of all relevant states for potential violations of state laws related to consumer protection. 

State Attorneys General : I will inform the attorneys general of all relevant states about XXXX 's potential violations of state consumer protection laws. 

Department of Justice ( DOJ ) : I will report XXXX  to the DOJ for potential violations of federal laws related to financial information privacy. 

I have retained an attorney to pursue legal remedies based on my registered fee schedule and the unlawful acts committed by XXXX. This fee schedule includes : Credit reporting agencies : {$1000.00} per day for each day they continue to report false and fraudulent information. 

Credit reporting agencies : an additional {$20000.00} in attorney fees after 15 days. 

XXXX will pay {$2500.00} per day for each day they continue to violate the FDCPA and engage in unfair and deceptive practices. 

I urge all parties involved to take immediate action to resolve this matter and comply with the law. I demand the immediate removal of the XXXX account from my consumer reports.

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