Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against XXXX XXXX, XXXXXXXX XXXX, transunion, XXXX and XXXX regarding the unauthorized disclosure of my nonpublic personal information to consumer reporting agencies without my clear and conspicuous consent. This violation of my privacy rights has resulted in the inclusion of sensitive information, such as my social security number, account transactions, and balances, in my consumer report, and I am seeking your assistance in resolving this matter. 
As a consumer, I applied for credit cards with both XXXX XXXX and XXXX XXXX. Regrettably, these companies unlawfully sold my nonpublic personal information to third-party consumer reporting agencies, without adequately disclosing or obtaining my consent, as required by 15 USC 6802. According to the United States Code, a financial institution must clearly and conspicuously inform consumers that their nonpublic personal information may be disclosed to a third party. However, I was never provided with such notice or given the opportunity to provide my consent. 
On XX/XX/2023, I reported the identity theft to the Federal Trade Commission and provided them with detailed information about the unauthorized accounts on my consumer report. Despite taking these appropriate steps, the reported information has not been removed from my consumer report, resulting in an ongoing violation of the United States Code and a severe breach of my privacy rights. 
I request your immediate intervention and assistance in rectifying this matter. I demand that the consumer reporting agencies promptly remove the unauthorized accounts from my consumer report. Additionally, I seek appropriate measures to ensure the prevention of future unauthorized disclosures and mishandling of consumers ' nonpublic personal information. 
Furthermore, I am deeply concerned about the lack of concern shown by the consumer reporting agencies in addressing this matter. The inclusion of this information in my consumer report represents a significant violation of the United States Code and has caused immense distress and frustration. I request that you convey the seriousness of this issue to the consumer reporting agencies and emphasize the need for them to rectify this situation promptly. 
I would appreciate your assistance in facilitating a fair resolution to this matter. Please keep me informed of any actions taken or progress made regarding my complaint. If necessary, I am fully prepared to pursue legal action to protect my rights and seek appropriate remedies under the law. 
Thank you for your attention to this urgent matter. I look forward to a swift resolution of this complaint. 

Acc Name : Acc # XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

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