Consumer complaint received 2024-02-02 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: NH

Complaint narrative:
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. '' As a federally protected consumer I have the right to make sure my nonpublic private information is protected. The previous statement is also backed 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. '' XXXX  XXXX 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. '' XXXX, XXXX and TransUnion are consumer reporting agencies. Per the Privacy Act of 1974 it states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I have requested documentation with my WET INK signature in which I gave consent. If said documentation is NOT furnished such items must be removed IMMEDIATELY. Per FRCA as a federally protected consumer I am opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. This is effective immediately and indefinitely. 15 USC 6802 ( b ) ( c ) also states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX is the financial institution referenced in this report. I was never clearly and conspicuously informed of my right to exercise my nondisclosure option. 15 USC 1681a subsection 2, exclusions except as provided in paragraph ( 3 ), the term consumer report does not include, report containing information solely as to transactions or experiences between the consumer and the person making the report ; Said code states reporting transaction history is illegal, information must be corrected. 15 U.S. Code 1681b - Permissible purposes of consumer reports ; Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( sub section 2 ) In accordance with the written instructions of the consumer to whom it relates. To reiterate I never gave consent to third party companies, affiliates, non-affiliates or creditors to have anything added to my consumer report to any of the credit reporting agencies, a violation of the Fair Credit Reporting Act.

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