Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
TRANSUNION continues to violate my rights. I have submitted numerous letters and they refuse to abide by the LAW. 

Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 3 ). Comment : These provisions are solely penal and create no private right of action. 

When any consumer files bankruptcy, the documents are under FEDERAL LAW not state law. A bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, buying, giving, or furnishing to others. The entity that reported the bankruptcy to TRANSUNION did not have written consent from the court or the individual to take the bankruptcy out of public records and use it for a different purpose. Whoever reported my bankruptcy committed a crime of identity theft. This is a notice to inform you that the bankruptcy on y credit profile is a violation of the Privacy Act of 1974. The purpose of the Privacy Act is to balance the governments need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy stemming from federal agencies collection, maintenance, use, and disclosure of personal information about them. The Privacy Act focuses on four basic policy objectives : -To restrict disclosure of personally identifiable records maintained by agencies -To grant individuals increased rights of access to agency records maintained on them -To grant individuals the right to seek amendment of agency records maintained on them upon showing that the records are not accurate, relevant, timely, or complete -To establish a code of fair information practices which requires agencies to comply with statutory norms for collection, maintenance, and dissemination of records Privacy Act The Privacy Act of 1974 is a federal law that is set forth in Title 5, Section 552a, of the United States Code ( 5 U.S.C.552a ), as amended. 

Privacy Act The purpose of the Privacy Act is to balance the Governments need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy resulting from the collection, maintenance, use, and disclosure of personal information. In general, the Privacy Act focuses on four basic policy objectives : - To restrict disclosure of personally identifiable records maintained by agencies - To grant individuals increased rights of access to agency records maintained on them - To grant individuals the right to seek amendment of agency records maintained on them upon showing that the records are not accurate, relevant, timely, or complete - To establish a code of fair information practices which requires agencies to comply with statutory norms for collection, maintenance, and dissemination of records The Privacy Act applies only to U.S. citizens and aliens who are lawfully admitted for permanent residence in the United States. It applies only to personal information maintained by agencies in the Executive Branch of the Federal Government. 

System of Records Notices The Privacy Act pertains only to information that is maintained in a system of records, which the Act defines as a group of agency-controlled records from which information is retrieved by a unique identifier, such as an individuals name, date of birth, social security number, or employee identification number. The Privacy Act further defines a record as any individually identifiable set of information that an agency might maintain about a person. Such records may include a wide variety of personal information including, but not limited to, information about education, financial transactions, medical history, criminal history, or employment history. However, the Privacy Act explicitly states that agencies may not maintain information about how individuals exercise their First Amendment rights, unless maintenance of that information is specifically authorized by statute, by the individual about whom the record is maintained, or relates to a law enforcement activity.

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