Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
To whom it may concern, 1 ) This Is NOT A Dispute Letter, Your Organization has committed Fraud and Defamation as well as is in Violation Of Federal Law.

2 ) I demand ALL " Charge Off Accounts '', " Collection Accounts '' " Closed Accounts '' And " Late Payments '' be deleted from my Consumer Report And File.

I am putting your Financial Institution TRANSUNION on notice you have committed Fraud and Defamation, you are in violation of multiple Federal Laws.

3 ) As per 15 USC 6827 ( A ) " in general the term " Financial Institution '' means ANY institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. '' 4 ) According to 15 USC 1681b ( a ) ( 2 ) " In general. Subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. '' I NEVER gave your organization written instruction to furnish a consumer report for me. This is a violation of 15 USC 1681b ( a ) ( 2 ) as well as you violating my consent and right to privacy.

5 ) The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt-out of certain sharing. I was NEVER notified nor gave consent to your company to share my request NON PUBLIC PERSONAL INFORMATION with non affiliated third party company " Inquiries '' on my consumer report. This is a violation of 15 USC 6809 ( 4 ) ( A ), my rights to consent and privacy were violated.

6 ) Further, pursuant to 15 USC 6809 ( 5 ) the term " non affiliated 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. 

7 ) According to 15 USC 6809 ( 4 ) ( A ) " The term " nonpublic personal information " means personally identifiable financial information. '' 1 ) Provided by a consumer to a financial institution 2 ) Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 ) Otherwise obtained by the financial institution 8 ) According to 15 USC 1681a ( d ) ( 1 ) The term " Consumer Report '' means ANY written, ORAL or other communication ''.

Further, as per 15 USC 1681a ( 2 ) ( ii ) " ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or. 

9 ) Which you are in violation of. The Consumer Credit transactions reported on my Consumer Report as well as the " inquiries '' reported on my Consumer Report by your organization are a violation of Federal Law 15 USC 1681a ( 2 ) ( ii ).

Furthermore you have committed Defamation. 
Your organization misrepresented facts made deceptive forms and furnished this information on a Consumer report to card issuers, employers, insurance companies etc and hundreds of others by reporting negative Consumer Credit Transactions on a Consumer Report causing the belief that I owe these alleged debts by violating 15 USC 1681a ( 2 ) ( ii ).

10 ) Your organization produced deceptive forms, a Consumer Report misrepresenting facts, furnished with alleged debts owed purporting to be fact to non affiliated third parties. These violations have caused injury to my character, reputation, credit standing, credit worthiness and my right to extend Credit I have also suffered financial hardships and suffered from XXXX XXXX XXXX as well as marital problems due to this Fraud and Defamation and my rights being violated.

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