Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In XX/XX/2020 I noticed that information from XXXX XXXX XXXX  was being reported on my consumer reports without my consent which is against the law. Under 15 USC 1681b Permissible Purposes of consumer reports section ( a ) ( 2 ) 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. I never gave TRANSUNION any written consent to report anything on my consumer report. They have violated me and my right to privacy. I filed a report with the FTC in reference to this theft. I tried calling TRANSUNION about this on XX/XX/XXXX and spoke to XXXX XXXX about the matter. He refused to delete the information that was being reported without my consent and stated he'll only update my name, phone number and address. I tried talking to him about the FCRA and how I never gave them any written permission to report anything on my consumer reports and he began to cut me off saying he is aware of the FCRA but he has to follow the procedures of TRANSUNION. I asked him what are the procedures and he said that he couldn't tell me that. I told him that TRANSUNION procedures are to be reasonable and they have a grave responsibility to respect my right to privacy and to be fair and impartial under the FCRA. He then said that he would not delete the information. I asked him is he familiar with the FCRA and he said yes and he doesn't need me to go over that with him. I told him yes I do because TRANSUNION is breaking the law and he began to cut me off while I was explaining how this was unfair and it was harming my reputation and character. I asked him to let me speak and not interrupt and that he was giving poor customer service. I asked him to let me speak to a supervisor and he said he is a supervisor. I told him that I requested a copy of my consumer credit file which has all information that has ever been reported but I only received my consumer report from them and he said that it's the same thing and I told him no it's not under the FCRA and I have a right to know what's on my file. He said that the information in my file is the same on my report. I told him there's a difference in a consumer credit file and a consumer credit report under the FCRA but he said there is no difference on my file and report. I asked to be transferred to another supervisor and he said no because he is a supervisor for his dept. I asked him to transfer me to another dept. and he said no he would not transfer me. This whole experience was very stressful and I the consumer am the one who has been harmed. I expect to be treated fairly and my right to privacy be respected. I am a victim and this is a crime under the law. I have mailed to TRANSUNION my FTC report, a copy of my driver 's license, copy of my social security card and copy of mail with my address on it, a letter demanding the removal of all the XXXX XXXX XXXX  accounts being reported on my consumer report, a ID T. affidavit and copies of the FCRA stating the law.

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