Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15-USC-6802. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 A section 2 states that ''In general subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. '' ( XXXX ) the financial institution and the consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion and XXXX ( XXXX ) whether it is verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( B ) ( C ) states that ''A financial institution may not disclose non-public personal information to a non-affiliated third party unless-the consumer is given explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( A ) ( 5 ) states ''Except as authorized under subsection ( B ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. '' This account is an adverse item they are reporting again without my permission, which is against the Law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states ''A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 ( E ) states ''Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( C ) of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681 ( B ) of this title. '' Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. '' I am now opting out of your reporting services ' Transunion and XXXX are consumer-reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to the fair credit reporting act 15 USC 1681 section 602 A ) states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. Also 15 USC 6801 which states ''It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' non-public ''

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