Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Request for Compliance with Federal and State Laws : 15 U.S. Code 1681c1, 15 U.S. Code 6802, and Texas Business and Commerce Code Dear TransUnion Security Freeze, I am writing to formally reiterate my request to opt-out of information sharing and to place a security freeze on my credit profile. This request is made pursuant to federal and state laws, including 15 U.S. Code 1681c1, 15 U.S. Code 6802, and the Texas Business and Commerce Code Chapter 20, which are designed to protect consumers from unauthorized access to and disclosure of their personal information.

I have already provided the required supporting documentation, including proof of identification and residence. Below, I am outlining specific compliance expectations to ensure your adherence to these legal obligations.

Compliance Expectations 1. 15 U.S. Code 1681c1 Identity Theft Prevention ; Fraud Alerts and Active Duty Alerts This law requires credit reporting agencies to take necessary steps to protect individuals against identity theft. In compliance with this statute, I request : Confirmation that a security freeze has been applied to my credit profile, ensuring no unauthorized access or disclosures occur.

Confirmation that my opt-out request for information sharing has been processed and will remain in effect permanently.

2. 15 U.S. Code 6802 Obligations with Respect to Disclosures of Personal Information This statute regulates the disclosure of personal information by financial institutions. Please confirm : No personal information, including credit profile data, has been shared or disclosed without my explicit consent.

Notification will be provided immediately in the event of a data breach or any unauthorized access to my information.

3. Texas Business and Commerce Code Chapter 20 Security Freezes and Opt-Out Provisions Texas law grants consumers the right to : Restrict the release of their credit reports through security freezes, which must be implemented promptly upon request. 
Opt-out of having their personal information shared with third parties. Agencies must honor these requests to prevent unauthorized dissemination of data. 

Addressing TransUnions History of Compliance Issues Recent actions by regulatory agencies raise concerns about XXXX adherence to its legal obligations, including : XXXX. Security Freeze Violations ( XXXX ) : o In XX/XX/XXXX, the CFPB and FTC took action against TransUnion for failing to honor security freeze and lock requests. By XXXX, TransUnion had a backlog of nearly XXXX unfulfilled requests. This backlog persisted until regulatory pressure prompted resolution. 
XXXX. Inaccurate Rental Background Checks ( XXXX ) : o Also in XX/XX/XXXX, federal regulators fined TransUnion {$15.00} XXXX for failing to ensure the accuracy of rental background checks, part of a broader {$23.00} XXXX penalty related to tenant screening and security freeze failures. 
These incidents highlight the importance of ensuring compliance moving forward, particularly in processing consumer security freeze and opt-out requests accurately and promptly. 

Acknowledgment and Compliance Requirements To ensure full compliance, I request written acknowledgment from TransUnion confirming : 1. That my security freeze and opt-out request have been processed successfully.

2. That your organization is in compliance with 15 U.S. Code 1681c1, 15 U.S. Code 6802, and the Texas Business and Commerce Code Chapter 20.

3. Details of any additional measures TransUnion will take to safeguard my personal information.

Response Deadline Please provide this acknowledgment in writing within 15 days of receipt of this letter. Failure to comply may result in escalation to regulatory authorities, including : The Federal Trade Commission ( FTC ) The Texas Attorney Generals Office Notice of Potential Non-Compliance Failure to process my request or honor my rights under the aforementioned laws constitutes a violation that may lead to enforcement actions, including penalties, fines, and potential legal proceedings. 
Thank you for your immediate attention to this matter. Should you require further information, please contact me directly at the phone number or email address provided above. 
Sincerely, 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 non-monetary relief