Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), it is essential to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Both XXXX and XXXX serve as consumer reporting agencies, and as a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the obligation of financial institutions to respect customer privacy and protect nonpublic personal information.

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies may only furnish a consumer report with the explicit written instructions of the related consumer. However, I have not provided any consent to XXXX, XXXX, or any financial institution to furnish my information. Any previous consent given to these agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) states that financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about their right to exercise a nondisclosure option. In this case, the ( Furnisher of information to credit agencies ) has not informed me of this right.

Furthermore, 15 USC 1681C ( a ) ( 5 ) specifies that consumer reporting agencies are not allowed to include certain adverse items of information in a consumer report without proper authorization. This account being reported is an adverse item that they are reporting without my consent, which is unlawful. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person should not furnish any inaccurate information about a consumer to any consumer reporting agency. Moreover, 15 U.S. Code 1681e requires consumer reporting agencies like XXXX and XXXX to maintain reasonable procedures to avoid violations of Section 1681c and limit the furnishing of consumer reports to specific purposes under Section 1681b. It appears that both agencies are not maintaining reasonable procedures in this regard. 

Finally, as per 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am choosing to exercise this right now. 





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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