Consumer complaint received 2022-01-21
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:
******TRANSUNION HAS BROKEN THEIR CODE OF FEDERAL REGULATIONS AND IS IN WILLFUL AND NEGLIGENT NONCOMPLIANCE OF THE FAIR CREDIT REPORTING ACT THAT GOVERNS THEM.

******YOUR BOSS, THE CFPB, HAS ADVISED THE PUBLIC OF YOUR FAULTY FINANCIAL SURVEILLANCE BUSINESS MODEL, THAT FAILED TO REPORT MEANINGFUL AND SUBSTANTIVE RESPONSES TO OVER XXXX CONSUMER COMPLAINTS. I EXPECT FOR TRANSUNION TO REPORT ITS DETERMINATIONS AND ACTIONS TO THE CFPB IN REGARDS TO MY COMPLAINT. I EXPECT FOR TRANSUNION TO NOT VIOLATE 15 USC 1681i AND PROVIDE A MEANINGFUL RESPONSE AND NOT AN ELECTRONIC AUTOMATED RESPONSE. I EXPECT TO NOT BE A VICTIM OF YOUR INADEQUATE BUSINESS MODEL. 

I called TransUnion on XX/XX/XXXX at phone number ( XXXX ) XXXX at time XXXX. After being transferred two times, I spoke with Senior Supervisor XXXX in the Special Handling Department. Senior Supervisor XXXX advised me that TransUnion is governed by the Fair Credit Reporting Act. She also advised me that the creditors report to TransUnion my experiences between me and the creditor. I advised her that the account XXXX Formerly XXXX Account # XXXX should be excluded from my consumer report due to 15 USC 1681a ( d ) ( 2 ) ( i ) where it states Consumer Report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I advised XXXX I wanted the account to be removed from my consumer report because it is an experience and should be excluded, which she did agree it was an experience. Despite stating this account is an experience, she advised me that the account would not be removed and if I wanted it to be removed, I would be lying to creditors. I asked to speak with her Supervisor and Senior Supervisor XXXX advised me that she could not transfer me to one and that she could either submit a dispute for XXXX to remove the experience from my consumer report or I could file a CFPB complaint. I asked to speak with a different Senior Supervisor. I received a call from Senior Supervisor XXXX XXXX in the Special Handling Department from phone number ( XXXX ) XXXX XXXX at XXXX. Senior Supervisor XXXX XXXX also advised me that TransUnion is governed by the Fair Credit Report Act and creditors, in fact, do make reports to TransUnion. Senior Supervisor XXXX XXXX advised me that the " XXXX Formerly XXXX was not an experience, it is a, TRANSACTION, well 15 USC 1681a ( d ) ( 2 ) ( i ) clearly and conspicuously states TRANSACTIONS between me, the consumer, and the one making the report is to be EXCLUDED from my consumer report. Senior Supervisor XXXX XXXX advised me the transaction was not going to be removed unless XXXX tells TransUnion to remove it. While speaking with all FOUR of TransUnions representatives and supervisors none were aware that a consumer has a RIGHT TO PRIVACY pursuant to 15 USC 1681 ( 4 ). I am also aware I have a right to opt out of my nonpublic personal financial information being disclosed to TransUnion, a nonaffiliated third party pursuant to the Gramm-Leach-Bliley Act 15 USC 6802. TransUnion trains their employees to say they are governed by the Fair Credit Reporting Act ( an Act where Congress requires TransUnion to be equitable towards the consumers Confidentiality and have procedures for meeting consumers confidentiality ) but both of TransUnions Senior Supervisors I spoke with, advised me I would be a liar for excluding transactions or experiences from my consumer report or the only way a transaction or experience will be removed from my consumer report is if the creditor tells them to remove it. TransUnion has disrespected my right to privacy and trains their employees to disrespect a consumers right to privacy. TransUnion has admitted they are allowing XXXX Formerly XXXX to report an Experience and a Transaction between me and XXXX Formerly XXXX on my consumer report. TransUnion is willfully and negligently in noncompliance of 15 USC 1681a ( d ) ( 2 ) ( i ). I want this transaction/experience to be removed immediately.

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