Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion, one of the major credit reporting agencies, for egregious violations of consumer rights under the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, Gramm-Leach-Bliley Act ( GLBA ), and Equal Credit Opportunity Act ( ECOA ). TransUnion has egregiously violated my rights by reporting inaccurate information, sharing my Nonpublic Personal Information ( NPPI ) without my authorization, I have already put TransUnion on notice via certified mail & using there ( One Time form ) online option. 
15 USC 6802 - 15 USC 6805 give me such right to opt out. 16 CFR 313.7 under ( f ) states Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Not only that according to the Fair Credit Reporting Act 15 USC 1681 section 602 A states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In which TransUnion are a consumer reporting agency and as a Consumer I have the right to make sure there is NO private information being shared which is protected by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " 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. 

Additionally, I also have evidence of TransUnion 's willful disregard for my attempts to address these issues via Certified mail, and I am deeply concerned by recent revelations of a lawsuit filed against TransUnion by you, the Consumer Financial Protection Bureau ( CFPB ) & Federal Trade Commission ( FTC ) for similar violations, which have further exacerbated the adverse effects on my creditworthiness. 
Under the FCRA, TransUnion is obligated to ensure the accuracy of the information it reports about consumers. However, despite my repeated attempts to address inaccuracies in my credit report with TransUnion, the company has ignored my requests and failed to take appropriate action. This blatant disregard for my rights under the FCRA has had significant adverse effects on my creditworthiness and financial well-being, as inaccuracies on my credit report have hindered my ability to obtain credit and have caused undue stress and hardship. 
Furthermore, under the Privacy Act of 1974 and GLBA, TransUnion prohibited from sharing consumers ' NPPI without their authorization. Yet, I have discovered that TransUnion has shared my sensitive NPPI with third parties without obtaining my consent, in clear violation of federal law. Additionally, under 15 USC 6802 - 15 USC 6805 of the GLBA, consumers have the right to opt out of the sharing of sensitive NPPI, but TransUnion has failed to provide me with this right, further exacerbating the breach of my privacy and rights. 
Moreover, under the ECOA, TransUnion is required to obtain authorization from consumers before sharing their NPPI. Despite this requirement, TransUnion has willfully disregarded my rights and shared my information unlawfully, without my consent or authorization, in clear violation of federal law. 
In light of these violations, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into my complaint against TransUnion and take appropriate enforcement action to hold the company accountable for its egregious misconduct. Specifically, I request that the CFPB compel TransUnion to correct the inaccuracies on my credit report immediately, cease the unauthorized sharing of my NPPI, and provide me with the right to opt out of the sharing of sensitive NPPI, as required by law. 
Additionally, I urge the CFPB to take into consideration TransUnion 's pattern of violations and disregard for consumer rights, as evidenced by the recent lawsuit filed against the company for failing to freeze consumers ' credit reports upon request. This lawsuit further underscores the urgent need for regulatory oversight and enforcement action to ensure that TransUnion and other credit reporting agencies comply with federal laws and protect consumers ' rights. 
Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint.

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