Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please note that I have not authorized any third party or entity to access my credit information, except in specific instances such as applying for credit or loan applications, which are not applicable in this case. 
Per the FCRA as a federally protected consumer i am now opting out of any and all authorization, I the consumer my have given you written, unwritten, verbal and non verbal per 15 U.S Code 6802 effective immediately and indefinitely I kindly demand that you complete the investigation within the timeframe specified by the FCRA, which is usually 30 days from the date of receipt of this letter. As per Section 15 USC 1681i of the FCRA, I also demand that you promptly update and correct my credit report after finding that the inquiries and collections were unauthorized to report without my written consent to do so. 
15 U.S Code 6802 ( a ) Privacy obligation policy 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. 
( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 
Information included. Personally identifiable financial information includes : ( A ) Information a consumer provides to you on an application to obtain a loan, credit card, or other financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that an individual is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about your consumer if it is disclosed in a manner that indicates that the individual is or has been your consumer ; ( E ) Any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a credit account ; ( F ) Any information you collect through an Internet cookie ( an information collecting device from a web server ) ; and ( G ) Information from a consumer report. 

15U.S.C 1692C ( b ) without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
5 U.S.C 552a ( b ) No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains ( Privacy Act of 1974 ) 16CFR 313.7 Form of opt out notice. You are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 

In accordance with the FCRA, I demand a investigation into this matter and provide me with the following information : 1. Verification of the permissible purpose for the inquiry and collections for the following accounts : Credit Collection XX/XX/XXXX Valor Intelligent Processing XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. Proof of my written consent, as required under the law, authorizing the reporting of the collections and inquiries 3. Documentation validating that the collections and inquiries were made lawfully, with proper adherence to the FCRA guidelines. 

Once again under 15 USC 1681i of the FCRA, I demand that you promptly update and correct my credit report after finding that the inquiries and collections were unauthorized to report without my written consent to do so.

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