Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

15 USC 1692c : ( a ) Communication with the Consumer : General Rule : A debt collector may not communicate with a consumer in connection with the collection of any debt : At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 
If the debt collector knows the consumer is represented by an attorney with respect to the debt and has knowledge of, or can readily ascertain, the attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer. 
At the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
( b ) Communication with Third Parties : Prohibition : Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, the consumer 's attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
( c ) Ceasing Communication : Upon Notification : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except to : Advise the consumer that the debt collector 's further efforts are being terminated. 
Notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by such debt collector or creditor. 
Practical Implications : Time and Place Restrictions : Debt collectors are prohibited from communicating with consumers at inconvenient times or places, such as late at night or at their place of employment. 
Communication with Represented Consumers : Debt collectors can not communicate directly with consumers who are represented by an attorney regarding the debt, unless the attorney fails to respond within a reasonable period of time or consents to direct communication. 
Communication with Third Parties : Debt collectors are generally restricted from communicating with third parties ( other than the consumer, their attorney, and certain other permitted entities ) about the debt without the consumer 's consent.

Ceasing Communication : Upon receiving a written request from the consumer to cease communication regarding the debt, the debt collector must comply with the request, except to provide certain limited notifications. 
Understanding and complying with the provisions of 15 USC 1692c is essential for debt collectors to adhere to the Fair Debt Collection Practices Act and avoid potential legal liabilities.