Consumer complaint received 2023-12-27
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:
On the XXXX of XXXX, 2023, via Certified Mail Receipt number XXXX, I dispatched a written correspondence to TRANSUNION, explicitly requesting the provision of an Affidavit of facts and documentary evidence. The communication sought clarification regarding the authenticity and verification of the disputed transactions and accounts. In the absence of a substantive response, indicating a failure on TRANSUNION 's part to take appropriate action, the requested measures to rectify the contested items were not implemented. At this time, I am exercising my rights. 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 a respect for the consumers right to privacy. '' TRANSUNION functions as a consumer reporting agency, and as the consumer, I retain the right to ensure the confidentiality of my private information. This right is substantiated by 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 its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and every company listed in the inquiries section of my consumer report by definition under the relevant title, are identified as financial institutions. According to 15 USC 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency is authorized to furnish a consumer report only under specific circumstances, specifically when it aligns with the written instructions provided by the respective consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and every company listed in the inquiries section of my consumer report, the financial institutions and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and every company listed in the inquiries section of my consumer report whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and every company listed in the inquiries section of my consumer report never apprised me of my entitlement to exercise the nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that " 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 years. '' These accounts and inquiries ( # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and all inquiries ) are adverse items, they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TRANSUNION is 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 opting out of your reporting services.

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