Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION Inquiries : XXXX XXXX ( XXXX XXXX  ) XXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. Per Fair Credit Reporting act 15 usc 1681 sec 602 : " there is a need to insure consumer reporting agencies exercise their grave responsibilities w/ fairness, impartiality, and a respect for consumer 's right to privacy. Trans union is a consumer reporting agency & i am the consumer. I have the right to make sure my private information is not shared which is backed by 15 usc 6801 which stats, " 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 customers ' nonpublic personal information. ( credit agencies are furnishers of info ). 15 usc 1681 sec 604a section 2 states : " in general Subject to subsection ( c ) any consumer reporting agency may furnish consumer info under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Trans union DO NOT have my CONSENT to furnish this info and they sure do NOT have my written consent. 15 usc 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal info to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' Trans union Never informed me of my right to exercise my nondisclosure option. 15 usc 1681 ( c ) ( a ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item & again this is still being reported without my consent which is against the law. 15 usc 1681s-2 ( a ) ( 1 ) A states " person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 usc 1681 ( e ) states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' Trans union is NOT maintaining reasonable procedures. 12 CFR 1016.7 states that " a consumer may exercise the right to opt out any time.

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 explanation