Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Credit Repository ( TRANSUNION ) is in direct violation of consumer protection laws and the Federal protected United States Constitution, 15 USC1601, 15 USC 1602, 15 USC 6802, GRAMM- LEACH- BAILEY ACT etc. 

22. By this Notice TRANSUNION including but not limited to principal agent, assigns, employees, failed to provide Affiant with a copy of any express written authorization and OPT OUT NOTICE pursuant to 15 USC 6802, whereby CREDITOR was authorized for disclosing/divulging/sharing Affiants credit card as defined under 15 USC 1602 ( l ) a/k/a social security number or social security card with any third party in any manner, as well as by means of communication, any information, documentation, data, property, effects and the like re Affiant. TRANSUNION failure in providing said authorization and OPT OUT NOTICE pursuant to 15 USC 6802 constitute TRANSUNION are in violation of including but not limited to Gram-Leach-Bailey . 
23. TRANSUNION possesses neither express, written authorization, OPT OUT NOTICE pursuant to 15 USC 6802, nor consent from Affiant for using, revealing/disclosing/ divulging/sharing with any third party any secured information, documentation, data, property effect, and the like of Affiant.

24. TRANSUNION knowingly and intentionally violated the Gramm-Leach-Bailey Act 15 USC 6801, 6802 and is criminally liable for a fine in accordance with title 18 or imprisoned for not more than 5 years or both pursuant to 15 USC section 6823 and 18 USC section 248.

25. Affiants Affidavit is binding upon every principal agent, assignee, employer, employee and the like, re the subject matter set forth herein and herewith, and each and every principal and agents is : ( a ) Prohibited from contacting any other third party regarding the above reference alleged debt, have established the existence of a bonafide, lawful verifiable claim in substance and in fact until such alleged debt is verified as indicated herein and herewith.

26. Congress has also advised against the request, disclosure, and use of social security numbers as a unique identifier for records or in the issuance of credit for any purpose outside of Public Health and Welfare ( Social Security Retirement ) disclosure and uses. The Social Security Act in a codified chapter 42 US Code 408. Penalties subsection ( 8 ). In general whoever discloses, uses, or compels the disclosures of the social security number of any person in violation of the United States, shall be fined under title 18 or imprisoned for not more that five years or both.

27. Affiant is a victim as defined under 15 USC 1681g ( 3 ) ( 11 ) which means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of the consumer, with the intent to commit, or to aid or abet, and identity theft or a similar crime.

28. Affiant is a victim of identity theft, Affiant never authorized CREDITOR to use or transferred Affiant identification ( Credit Card as defined under 15 USC 1602 ( l ) a/k/a social security number or social security card ) for the purpose of obtaining money and property on credit. CREDITOR lack of authorization means IDENTITY THEFT pursuant to 15 USC 1681a ( a ) ( 3 ).

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