Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX XXXX ( XXXX ) - XXXX - XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Formal Complaint Against TransUnion for Improper Handling of Personal Data Dear Sir/Madam, I am writing to express my concerns and to file a formal complaint regarding the negligent handling of my personal data by TransUnion LLC XXXX which has led to significant violations of my privacy. Specifically, TransUnion has incorrectly associated my phone number with another individuals credit profile, namely a person named XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). 

Despite numerous attempts to resolve this issue through what I believe to be TransUnions outsourced customer service solutions, possibly managed by companies like XXXX and XXXX, the problem has not been corrected. The outsourcing of key services such as customer support and web development might be contributing to systemic failures in securely managing sensitive consumer data. These contractors could potentially have access to a wide range of personal data, including social security numbers, credit history, and contact information, which raises concerns about the adequacy of data protection practices. 

In recent years, there have been multiple incidents where TransUnion has been involved in data breaches that suggest a pattern of inadequate data security measures. For instance, in 2021, a significant breach compromised the personal information of millions of consumers, highlighting potential vulnerabilities in their systemsvulnerabilities that could be exacerbated by the involvement of third-party service providers. 

The continual misassociation of my phone number has led to repeated privacy invasions, with numerous unsolicited calls disrupting my daily life. This error by TransUnion suggests a failure to adhere to the Fair Credit Reporting Act ( FCRA ), which mandates accurate and confidential handling of consumer information. 

I am requesting that the Consumer Financial Protection Bureau initiate a thorough investigation into TransUnions practices, especially examining how data is shared with and managed by third-party contractors such as XXXX and XXXX. I also ask for corrective action to ensure my personal information is accurately maintained in their system and to receive confirmation of such corrections. 

Please find enclosed documentation of my communications with TransUnion and logs of the unsolicited calls I have received due to their error. Please note that the phone number ending in XXXX is not a phone number is used externally as was only provided to Transunion LLC as a test to see how their third party contractors would use the information. The phone number was used without permission by a 3rd party vendor working for Transunion on XXXX XX/XX/XXXX and is outlined in CFPB complaint XXXX. 

Thank you for addressing this significant matter. I look forward to your prompt action to resolve these issues and ensure such errors are not repeated. 

Sincerely, XXXX XXXX XXXX Enclosures : - Copies of correspondence with TransUnion - Log of unsolicited calls received ( using call spoofing software )