Consumer complaint received 2024-09-10 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: MI

Complaint narrative:
the inaccurate information being reported on my credit file related to two closed accounts with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). Under 15 USC 1681m, 16 CFR 313.10, and 16 CFR 313.1, I have the right to dispute and correct any inaccuracies on my credit report, as well as prevent unauthorized sharing of my nonpublic personal information with nonaffiliated third parties, as outlined by the Gramm-Leach-Bliley Act, Section 504 ( a ) ( 1 ) ( C ).

A nonaffiliated third party is defined as anyone except ( i ) your affiliate or ( ii ) a person employed jointly by you and any company that is not your affiliate ( but includes the other company jointly employing the person ). Additionally, any company that is considered an affiliate through ownership or control of merchant banking or insurance activities as defined in Section 4 ( k ) ( 4 ) ( H ) and ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ) falls within this definition.

Nonpublic personal information refers to personally identifiable financial information, including any list, description, or grouping of consumers derived using nonpublic information. As mandated by 15 U.S. Code 6801, financial institutions must respect the privacy of their customers and maintain the confidentiality and security of nonpublic personal information. 
Specifically, XXXX XXXX XXXX XXXX is still reporting incorrect information across all three major credit reporting agencies, including TransUnion. The two account opening dates and balances differ between TransUnion, XXXX, and other agencies, as detailed below : Account Opening Date : TransUnion states I opened both accounts on XX/XX/year>, while XXXX reports a different date. 
Balances : TransUnion and XXXX are reporting conflicting balances for the same XXXX accounts, which is impacting my credit utilization. 
Additionally, TransUnion is reporting these two accounts as closed, whereas XXXX and XXXX have reported them as charged off. According to 15 USC 1666 ( a ) ( b ), reporting adverse credit ratings for a closed or charged-off account is incorrect, especially regarding utilization.

Moreover, 15 USC 6802 requires that before a financial institution discloses any nonpublic personal information to a nonaffiliated third party, it must provide the consumer with a clear and conspicuous notice and allow the consumer the opportunity to opt out of such disclosure. I have not received any such notice, which is a violation of my rights under 16 CFR 313.4.

As outlined in 15 USC 6802 ( c ), any nonaffiliated third party that receives nonpublic personal information is prohibited from disclosing that information to another nonaffiliated third party unless such disclosure would be lawful if made directly by the financial institution. Additionally, 15 USC 6802 ( d ) restricts the sharing of account numbers for marketing purposes without the explicit consent of the consumer.

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