Consumer complaint received 2022-08-18
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 to inform CFPB of a call I have conducted with TransUnion In regards of some inquiries. The file number of dispute is # XXXX this information was given by XXXX XXXX TransUnion customer support today XX/XX/2022 between XXXX XXXX  and it lasted 23 minutes this conversation. I have asked XXXX XXXX to have those inquiries removed. XXXX XXXX mentioned that he has every right to gather any of my information because is a credit Bureau and they gather information and he does not need permission. I tried to correct XXXX XXXX XXXX that without my written notification he can not post any information without my consent. I have asked for a supervisor. XXXX XXXX denied me a supervisor. in order for me to get a supervisor on the line, I have to make an appointment which I could be receiving a call between XXXX XXXX XXXX tomorrow or who knows when. and Just to inform TransUnion any person or any law agency needs a permissible purpose to gather information. I don't know about you XXXX XXXX I do not write the law but it's very clear what 15 USC permissible purpose says. In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. and just to inform TransUnion of this I'm going to inform you this is called fraud. Let me explain 15 USC 1681 H ( a ) In General ( 1 ) Proper identification A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification. ( 2 ) Disclosure in writing Except as provided in subsection ( b ), the disclosures required to be made under section 1681g of this title shall be provided under that section in writing. ( b ) Other forms of disclosure ( 1 ) In general If authorized by a consumer, a consumer reporting agency may make the disclosures required under [ 1 ] 1681g of this title other than in writing ; and in such form as may be specified by the consumer in accordance with paragraph and available from the agency. Also let 's not mention to TransUnion the information furnished and post it on my credit report is considered fraud. also will explain why this is fraud. 15 U.S. Code 1681q - Obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. I can not believe that TransUnion has been sharing my information and gathering information without my permissible purpose my information has been compromise. the information that I did not give authorization to. and this is to inform TransUnion. Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to him pursuant to section 1681g of this title. Am I right TransUnion. 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}

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 explanation