Consumer complaint received 2021-11-05
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:
XXXX, XXXX and TransUnion acquired my personal inforrmation from XXXX without my permission. This is a invasion to my privacy. Which is a violation of the Fair Credit Reporting Act, 15 U.S code 1681b, 15 U.S code 1681, Privacy Act of 1974 Violations 5USC 552a Violations, 31 USC 3711 ( e ) Violations, Public Records Act Violations. * When a consumer file bankruptcy the documents are under federal law not state law. A bankruptcy in public record can only be USED fof information purposes ONLY unless the court authorizes. Public reports CAN NOT be used for COMMERCIAL USE. The consumer credit agencies are required be law to have WRITTEN consent from the court to REPORT a bankruptcy. XXXX DOES NOT HAVE WRITTEN CONSENT FROM THE U.S Bankruptcy court. The U.S bankruptcy court DOES NOT do business with any credit consumer reporting agencies. I did not give XXXX written consent to PURCHASE my information PACER. I did not give permission to XXXX, XXXX or TransUnion to report a bankruptcy. Several violations of the laws have been broken. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] 607. Compliance procedures [ 15 U.S.C. 1681e ] 608. Disclosures to governmental agencies [ 15 U.S.C. 1681f ] 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ].

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]

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