Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 writing to file a formal complaint against XXXX XXXX Bank for apparent violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( XXXX ), and the Privacy Act of 1974. The nature of the violation ( XXXX ) pertains to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. 

Congressional Findings and Consumer Reporting Agency Compliance : XXXX XXXX Code XXXX emphasizes the crucial role of fair and accurate credit reporting, stressing the necessity of accurate credit reporting for the efficiency of the banking system while acknowledging that unfair methods erode public confidence, which is essential for its operation. 

Consumer reporting agencies are mandated by law to evaluate consumer information fairly, impartially, and with an unwavering commitment to consumer privacy. 

Additionally, under XXXX XXXX XXXX XXXX, consumer reporting agencies are legally obligated to implement reasonable procedures ensuring the highest attainable accuracy of consumer reports. XXXX XXXX Bank 's disclosure of inaccurate information not only violates my privacy but intensifies their noncompliance with statutory provisions. 

Details of Violations : XXXX. **Disclosure of Nonpublic Personal Information : ** Credit XXXX Bank XXXX obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely TransUnion XXXX XXXX and XXXX XXXX This action directly violates the Privacy Act of 1974 ( XXXX XXXX Code XXXX ) and the FCRA ( XXXX XXXX Code XXXX ). 

XXXX. **Failure to Provide Opt-Out Opportunity : ** Credit XXXX Bank XXXX XXXX XXXX me the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA XXXX XXXX XXXX XXXX XXXX b ). The continuous disclosure without providing the option to opt out further exacerbates the violation. 

XXXX. **Continued Right to Opt Out : ** As per XXXX XXXX XXXX ( f ), I reserve the right to opt out at any time, a privilege denied to me by Credit XXXX Banks XXXX. 

XXXX. **Exclusion of XXXX and XXXX XXXX : ** According to XXXX XXXX XXXX XXXX ( XXXX ) ( A ) ( i ), the term " consumer report '' excludes reports containing information solely related to transactions or experiences ( payment history and utilization ) between the consumer and the reporting entity. XXXX XXXX Bank 's inclusion of transaction history within the reported information is a direct violation of this exclusionary provision. 

The unauthorized disclosure of my personal information by XXXX XXXX Bank has led to significant financial and emotional distress, causing undue harm and disruption in my life. 

Remedial Actions Demanded : XXXX. **Immediate Deletion of XXXX : ** I demand the immediate deletion of any reports or disclosures made by XXXX XXXX Bank XXXX contain my personal information, specifically transaction history. 

XXXX. **Compensation for Damages : ** Pursuant to XXXX XXXX Code XXXX, I demand compensation of {$1000.00} per violation for the damages incurred due to Credit XXXX Bank XXXX willful noncompliance. 

I implore the Consumer Financial Protection Bureau to take swift and decisive action against XXXX XXXX Bank to ensure compliance with the laws and regulations outlined above. I seek your intervention to rectify this situation promptly and to hold XXXX XXXX Bank accountable for their unlawful actions. 

Please find enclosed supporting documentation detailing the violations and their impact on my financial and emotional well-being. 

I appreciate your attention to this matter and eagerly await your prompt action in addressing this grievance.

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