Consumer complaint received 2024-05-22 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: RI

Complaint narrative:
Accounts in Question : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed there was a collection on my credit report that needs to be deleted off report immediately. XXXX XXXX XXXXXXXX XXXX Account # XXXX, have violated my consumer rights, which is noted below in 15 USC 6802. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES : ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not disclose to me the consumer that the information reported would be disclosed to the third party the consumer reporting agencies. XXXX AND XXXX XXXX ( XXXX XXXX XXXX XXXX, did not give me an opportunity to direct such information is not disclosed. XXXX AND XXXX XXXX ( XXXX XXXX XXXX ), did not give me the consumer an explanation of how I could exercise the non-disclosure option. The law basically states if all 3 of these disclosures were not provided to me that this is a direct violation of the law and I have the right to exercise opting out. All these 3 disclosures were not met ; therefore, I am demanding to opt out of having my information reported and demanding the reporting information to be DELETED from my consumer report.

I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, XXXX AND XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, have violated my consumer rights and I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, the credit reporting agency SHALL remove any account off my consumer report :

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