Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am federally protected consumer and the CFPB which governs the consumer reporting agencies is allow these agencies to undermine the consumer and these consumer reporting agencies to violate federal law repeatedly. My reputation is currently being damaged and financial injury is repeatedly happening by the violation committed by transunion and the CFPB is doing nothing about it. Consumer reporting agencies must have written instructions to furnish any information on my consumer report or furnish any information to a person. 

Also the TILA states we can chose to have and what information can be furnish to our consumer report as a federally protected consumer Transunion has violated the following federal law : : 15 USC 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Transunion did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report. I sent an affidavit of truth to the CEO of Transunion requesting an affidavit by me the consumer given Transunion written permission to furnis
h any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. Transunion did not respond properly. AN affidavit can only be rebutted by another affidavit line by line.

15 USC 1681a ( d ) ( 2 ) ( 2 ) 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 ; ( B ) any author
ization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; Transunion has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transaction and or experience between the consumer ( me ) and the person ( corporation ) are an exclusion as well. Any transaction arises from a credit card which my social security card is a credit card is prohibited from being report to my consumer report.

( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously discl
osed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I have a right to deny any information being reported to my consumer report. I was not given the opportunity to direct that information not be communicated to my consumer report. 

Transunion has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. Transunion is civilly liable for each action committed against me

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