Consumer complaint received 2024-05-06 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: GA

Complaint narrative:
As a federal protected consumer, I am now opting out of any and all authorization I the consumer may have given Written unwritten verbal Nonverbal per 15 USC 6802 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For XXXX XXXX XXXX IM OPTING OUTFROM REPORTING My utilization an reporting late payments, and I filed 1099a that was excepted by IRS AND I REMIT a bearer security and it was return because of restricted Endorsement in statement you said we take restricted endorsement. 
Late payments And etc. XXXX I'm opting out of you reporting late payments Green dot bank, and XXXX XXXX has been Charge-off now that is a Certificate of indebtedness That's income, and this shall be removed. But you will keep it on as paid as a greed XXXX Opting out of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX theses laws supported by : 16 CFR 313.7 : Permissible Purposes : Section 1681b outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. These purposes include : In response to a court order or federal grand jury subpoena.

In accordance with the written instructions of the consumer to whom it relates.

For the extension of credit as a result of an application from the consumer or the review or collection of an account.

In connection with the underwriting of insurance involving the consumer. For employment purposes, including hiring, promotion, reassignment, or retention, provided the employer has obtained the consumer 's written consent when required.

For certain government licensing or benefit determinations.

Pursuant to a legitimate business need in connection with a transaction initiated by the consumer.

To review an existing account to determine whether the consumer continues to meet the terms of the account.

Written Consent : For certain purposes, such as employment and insurance underwriting, the consumer 's written consent is required before obtaining a consumer report.

Legitimate Business Need : Consumer reports may be furnished for a legitimate business need in connection with a transaction initiated by the consumer. This includes situations where the consumer has applied for credit or initiated another type of transaction.

Overall, 15 USC 1681b sets forth the circumstances under which consumer reporting agencies may provide consumer reports to third parties, ensuring that such disclosures are made for permissible purposes and with the consumer 's consent 15 USC 6802 ( Gramm-Leach-Bliley Act ) : This law regulates the disclosure of nonpublic personal information by financial institutions. By opting out of authorization for certain disclosures, you are exercising your rights under this law to control the dissemination of your personal information.

5 USC 522a ( Privacy Act of 1974 ) : This law governs the collection, use, and dissemination of personal information by federal agencies. While primarily applicable to government entities, it underscores the importance of protecting personal data. Your request to opt-out of certain disclosures aligns with the principles of data protection outlined in this act.

15 USC 1679c ( Fair Credit Reporting Act ) : Section 1679c of the FCRA addresses the responsibilities of furnishers of information to consumer reporting agencies. It requires furnishers to provide accurate and complete information and to investigate consumer disputes. Any inaccuracies or unauthorized disclosures of your credit information may violate this provision.

12 CFR Part 1002 ( Regulation B ) : Regulation B implements the Equal Credit Opportunity Act ( ECOA ) and prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of income from public assistance programs. Any discriminatory practices related to your credit accounts could violate this regulation.

12 USC 411 and 12 USC 412 : These statutes pertain to the issuance and regulation of Federal Reserve notes ( currency ) by the Federal Reserve System. While they may not directly relate to your consumer rights, they establish the framework for the country 's monetary system.

12 USC 504a-m : These sections of Title 12 of the United States Code address various aspects of the regulation of banks and banking, including the Federal Deposit Insurance Corporation ( FDIC ) and banking operations. Violations of banking regulations, such as unauthorized disclosures of customer information or unfair lending practices, could potentially implicate these provisions... I am writing to file a formal complaint and to exercise my rights as a federal protected consumer regarding the disclosure of my personal information by certain entities.

I hereby request that the following entities cease any and all unauthorized disclosures of my personal information, in accordance with the applicable laws and regulations : TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I will file IRS forXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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