Consumer complaint received 2023-12-20
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:
I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) in regards to my XXXXXXXX XXXX account listed on my credit reports. 

My concern is I have not given my consent to report these transactions. They are private. The credit card company and the credit agency should not be reporting my transaction without my written consent. 

The law states, per 15 U.S. Code 1681 ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

The credit card and bank companies are in violation of the Privacy Act of 1974, which states ( A ) The " No Disclosure Without Consent '' Rule 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 Fair Credit Reporting Act is also in violation fcra-may2023-508.pdf and 15 U.S. Code 6801 ( Privacy obligation policy ), it states 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. These laws have been violated.

As a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal Per 15 U.S. Code 6802 immediately and indefinitely. The rules that were violated are also reinstated in 16 CFR 313.7 Also, discusses the opt out methods. While 16 CFR 313.4 - 313.9 discusses the treatment in which nonpublic personal information should be delivered & the frequency.

16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If 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. 


XXXX, Transunion, XXXX, XXXX, XXXX XXXX XXXX are all third party companies. 

15 U.S. Code 1666b states that creditors may not treat payments as late, therefore should not exist and should not be reported on my credit report.

To reinstate as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal Per 15 U.S. Code 6802 immediately and indefinitely. The rules that were violated are also seen in 16 CFR 313.7.

I'm expecting a prompt resolution in regards to the reported violations in this complaint. Thank you.

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