Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer-reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 
This complaint is due to the XXXX XXXX XXXX with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this your company CEASE and DESIST from disclosing my nonpublic personal information to all without my consent. The Provisions of 15 USC 6801 ( a ) state, 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. 
Please be advised that I have not given any of these companies the permission to access my nonpublic personal information and cause multiple hard inquires on my credit file. These companies are not attached to any open accounts on my consumer file and have not extended credit to myself. Please remove these hard inquirys immediately : 1.first XXXX XXXX 2 . XXXX Credit Bureau 3. XXXX XXXX 4. XXXX XXXXXXXX XXXX 5. XXXX XXXX 6 XXXX XXXX ( XXXX ) 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX Bank/Seed Transunion is also reporting a two charged off accounts on my consumer credit file, the IRS identifies a charge off or forgiven/cancellation of debt as income, and income can not be reported on a credit file, furthermore a company must send a XXXX form to me, which they have not done, please remove these inaccurate accounts from my report immediately as this is causing my score to be severely impacted. I would not like these accounts to report on my file and I ask you to cease and desist reporting them. Please delete them. 
1 ) XXXX XXXXXXXX XXXX charge off 2 ) XXXX XXXXXXXX XXXX XXXX  charge off Furthermore, In the above-mentioned XXXX XXXX  Transaction , without giving me the opportunity to opt out, Transunion furnished my nonpublic personal information to nonaffiliated third parties. With that said, Transunion has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request ask that Transunion removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. 

XXXX XXXX Respectfully submitted,

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