Consumer complaint received 2024-09-18 00:00:00
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.
State: TX

Complaint narrative:
Subject : Immediate Cease of Unauthorized Dissemination of My Consumer Information and Legal Notice of Violations To Whom It May Concern, I am writing to demand immediate and aggressive action regarding the unlawful and unethical distribution of my consumer information by your organization to XXXX XXXX and other secondary reporting agencies without my explicit knowledge or consent. This flagrant disregard for consumer rights is not only an egregious violation of federal law but also a blatant act of unethical practice that has caused significant distress and potential harm to my financial well-being. 
It has come to my attention, through documentation provided by XXXX XXXX, that your agency has been unlawfully sharing my personal and credit information with third-party entities for the purpose of reselling my credit reports. This unauthorized dissemination of my private information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and constitutes a gross infringement on my rights as a consumer. Your actions are in clear violation of 15 U.S.C. 1681b, which explicitly outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. You have willfully disregarded these legal requirements, demonstrating a profound lack of respect for consumer privacy and legal boundaries. 
Moreover, this conduct violates 15 U.S.C. 1681n, which states that any person who willfully fails to comply with any requirement imposed under the FCRA with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure, or damages of not less than {$100.00} and not more than {$1000.00}, punitive damages as the court may allow, and the costs of the action together with reasonable attorneys fees. The law is explicit in its demand for accountability and compensation in cases where consumer rights are trampled upon, and I fully intend to exercise my right to seek maximum statutory damages for this blatant breach. 
Furthermore, your actions are not just a legal transgression but an ethical abomination. Selling or otherwise distributing my private consumer information without my knowledge or consent for profit is an unethical practice that grossly undermines the trust and confidence that consumers place in reporting agencies. It is shocking and appalling that an entity of your standing would resort to such unscrupulous behavior for financial gain. 
I demandnot requestthat you immediately cease and desist all unauthorized sharing of my consumer information with any and all third-party entities, including XXXX XXXX XXXX This demand includes an immediate halt to any and all current practices that involve the dissemination, sale, or transfer of my personal information to unauthorized entities. 
Additionally, I demand a full accounting of all instances in which my consumer information has been shared, sold, or otherwise distributed by your agency without my consent. This accounting should include a detailed list of all entities to whom my information was provided, the dates of such transactions, and the specific purposes for which my information was used. 
Furthermore, I demand the immediate removal of all fraudulent and inaccurate information from my credit report, which has been previously filed with the FTC. This includes but is not limited to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are false, and their presence on my credit report is further evidence of the mismanagement and negligence on your part. I require their immediate and complete removal, along with a written confirmation that these fraudulent items have been expunged from my record. 
Failure to comply with these demands will result in immediate legal action against your agency. I am prepared to pursue all available legal remedies, including filing a lawsuit for actual, statutory, and punitive damages as permitted under 15 U.S.C. 1681n, to the fullest extent of the law. Your organization will be held accountable for its illegal and unethical practices, and I will not hesitate to expose these violations in a court of law. 
This letter serves as formal notice that if my demands are not met promptly and to my full satisfaction, you will face a lawsuit for your blatant and willful violations of federal law. The time for unethical practices and the exploitation of consumers ends now. You have been warned. 
I expect a written response from you within 7 days of receipt of this letter, confirming that you have ceased all unauthorized sharing of my consumer information, providing the full accounting requested, and verifying the removal of the fraudulent accounts from my credit report. Failure to respond will be taken as an admission of guilt and will trigger immediate legal action. 
This is your opportunity to rectify your egregious actions and comply with federal law. Do not underestimate my resolve in this matter.

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