Consumer complaint received 2024-06-07
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. (TX)

Reinvestigation : 2nd CFPB - SECURITIES FRAUD ; VIOLATIONS OF THE LAW CFPB Agent review, REPORT # XXXX A PONZI SCHEME is an investment fraud that pays existing investors with funds collected from new INVESTORS. 
15 USC 6802 Opt- out letters previously mailed as well as uploaded to the CFPB dated XX/XX/XXXX. Per federally protected consumers rights to opt out of anything reporting to the bureau regarding any and all companies that are reporting to Transunion or any other reseller of NON-Public private information VIOLATIONS : 18 USC 1003 Demands against the United States- Whoever knowingly and fraudulently demands or endeavors to obtain any share or sum in the public stocks of the United States , or to have any part thereof transferred, assigned, sold, or conveyed, or to have any annuity, dividend, pension, wages, gratuity, or other debt due from the United States , or any part thereof, received, or paid by virtue of any false, forged, or counterfeited power of attorney, authority, or instrument, shall be fined under this title or imprisoned not more than five years, or both ; but if the sum or value so obtained or attempted to be obtained does not exceed {$1000.00}, he shall be fined under this title or imprisoned not more than one year, or both.

15 USC 6805 ENFORCEMENT BUREAU of Consumer Financial Protection 15 USC 6808 Study of information sharing among financial affiliates 15 USC 1843 INTEREST IN NONBANKING ORGANIZATIONS?

12 CFR 1026.2 Definitions and rules of construction 18 USC 1005 Bank Entries, reports and transactions ; 18 USC 1006 Federal Credit Institution entries, reports, and transactions ; 18 USC 1007 Federal Deposit Insurance Corporation transactions ; 18 USC 1
016 ; Acknowledgement of Appearance or oath ; 18 USC 1017 Government Seals wrongfully used Instruments wrongfully Sealed ( Selling Inaccurate Consumer information for profit ) ; 18 USC 1018 Official certificates or writings ; 18 USC 1021 Title Records ; 18 USC 1027 ; 18 USC 1028 Frand and Related activity in connection with identification documents, authentication feature, and information ; 18 USC 1028 A Aggravated identity theft [ OFFENSES ] ; 18 USC 1029 Fraud and Related activities in connection with access devices ; 18 USC 1014 Loan and Credit APPLICATIONS generally ; renewals and discounts ; crop insurance DEFINITION : CONSUMER REPORT. ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit and insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title 15 USC 1681 section 604 a section 2 " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting reseller Transunion do not have my consent to furnish non-private personal information to 3rd parties and they surely do not have my written consent.

Remove EVERY/ALL COMMENTS from consumer report. REMOVE all COMMENTS from consumer report 15 USC Code1681g Disclosures to consumers- Consumer requesting Full Disclosure of Credit File and not the Credit/Insurance Consumer Report 15 USC 1681h Conditions and form of disclosure to consumers 15 USC 1681i - Procedure in case of disputed accuracy- 15 USC 1692 Congressional findings and declaration of purpose ; 15 USC 1692a Definitions ; 15 U.S. Code 1692c - Communication in connection with debt collection ; 15 U.S. Code 1692d - Harassment or abuse ; 15 U.S. Code 1692e - False or misleading representations ; 15 U.S. Code 1692f - Unfair practices ; 15 U.S. Code 1692g - Validation of debts ; 15 U.S. Code 1692j - Furnishing certain deceptive forms ; 15 U.S. Code 1692k - Civil liability 15 USC 6809 Definitions : The term CONSUMER means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual NONPUBLIC PERSONAL INFORMATION : ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

NONAFFILIATED THIRD PARTY - The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

NON-AFFILIATE 3rd PARTY : A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third party includes the other company that jointly employs the person.

AS NECESSARY TO EFFECT, ADMINISTER, OR ENFORCE THE TRANSACTION ( RELATED TO CONSUMER INSURACE/CREDIT ) ( 7 ) Necessary to effect, administer, or enforce The term as necessary to effect, administer, or enforce the transaction means ( A ) the disclosure is required, or is a usual, appropriate, or acceptable method, to carry out the transaction or the product or service business of which the transaction is a part, and record or service or maintain the consumers account in the ordinary course of providing the financial service or financial product, or to administer or service benefits or claims relating to the transaction or the product or service business of which it is a part, and includes ( i ) providing the consumer or the consumers agent or broker with a confirmation, statement, or other record of the transaction, or information on the status or value of the financial service or financial product ; and ( ii ) the accrual or recognition of incentives or bonuses associated with the transaction that are provided by the financial institution or any other party ; ( B ) the disclosure is required, or is one of the lawful or appropriate methods, to enforce the rights of the financial institution or of other persons engaged in carrying out the financial transaction, or providing the product or service; ( C ) the disclosure is required, or is a usual, appropriate, or acceptable method, for insurance underwriting at the consumers request or for reinsurance purposes, or for any of the following purposes as they relate to a consumers insurance : Account administration, reporting, investigating, or preventing fraud or material misrepresentation, processing premium payments, processing insurance claims, administering insurance benefits ( including utilization review activities ), participating in research projects, or as otherwise required or specifically permitted by Federal or State law ; or ( D ) the disclosure is required, or is a usual, appropriate or acceptable method, in connection with ( i ) the authorization, settlement, billing, processing, clearing, transferring, reconciling, or collection of amounts charged, debited, or otherwise paid using a debit, credit or other payment card, check, or account number, or by other payment means ; ( ii ) the transfer of receivables, accounts or interests therein ; or ( iii ) the audit of debit, credit or other payment information.

15 USC 1681a Definitions ; rules of construction ; 15 USC 1681b- Permissible purposes of consumer reports ; 15 USC 1681c-3 ADVERSE information in cases of TRAFFICKING DOCUMENTATION- ( documentation that identifies items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from a severe form of trafficking in persons of which the consumer is a victim ) 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S. Code 1681e - Compliance procedures More Violations : Violations : Privacy Act of 1974 ; 16 CFR 314.3 Standards for safeguarding customer information 5 USC 552a-Records Maintained on individuals- 15 USC 6801 - Protection of nonpublic personal information ; 15 USC 6802 - Obligations with respect to disclosures of personal information ; 15 USC 6803 - Disclosure of institution privacy policy ; 15 USC 6802 - Obligations with respect to disclosures of personal information 15 USC 6803 - Disclosure of institution privacy policy ; 15 USC 6804 - Rulemaking ; 15 USC 6805 Enforcement A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

12 CFR 1016.7 A consumer may exercise the right to opt out at any time.

16CFR 313 Privacy of Consumer Financial Information ; 16 CFR 313.3, 16 CFR 313.4 Initial privacy notice to consumers required. ; 16 CFR 313.5 Annual privacy notice to customers required. ; 16 CFR 313.6 Information to be included in privacy notices ; 16 CFR 313.7 Continuing Right to Opt-out ; 16 CFR 313.9 Delivering privacy and opt out notices ; 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties ; 16 CFR 313.12 Limits on sharing account number information for marketing purposes.

12 CFR 1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking.