Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am in active litigation with TransUnion in federal court XXXX Washington XXXX case no. XXXX for authorizing access to my credit report and files without a permissible purpose in violation of 15 USC Section 1681b . Despite being in litigation for violating my right to privacy and for unauthorized access to my credit reports and files, they violated me yet again but this time they provided unauthorized access of my credit report to their attorneys, without my knowledge or consent and after Trans Union and their attorneys received explicit instructions not to send my credit report through their attorneys or electronically. This is just proves their actions are malicious, willful and negligent. 

During litigation I received a letter from Trans Union 's attorney - XXXX XXXX, XXXX, XXXX and XXXX directing me to have all communication including requests for my credit report to go through them ( see attached letter ). 

On Mon, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : Dear XXXX XXXX XXXX I am writing to you since XXXX XXXX XXXX me a letter ( attached ) instructing me to make requests and disputes regarding my consumer file directly through him, which I imagine you will be handling these requests in his stead. 

I am making this request to have my most recent credit report be mailed to me at the following address : XXXX XXXX XXXX XXXX, CA XXXX  Please confirm receipt of this email notice and confirm that you and Trans Union have complied with this request. Do not have Trans Union send any reports regarding my private information through you, your firm or through any electronic transmission. Thank you. 

Sincerely, XXXX XXXX Despite receiving this email Trans Union, XXXX  XXXX, XXXX, XXXX and XXXX and attorney XXXX XXXX disregarded my request and Trans Union sent my credit report most likely through a 3rd party portal or file transfer system and then XXXX XXXX and his assistant and firm printed a copy of my credit report and mailed it to a different address not in the request. 

Trans Union violated my right to privacy and violated 15 USC Section 1681b by authorizing access of my credit report to their attorney XXXX XXXX, XXXX, XXXX 's assistant and their entire law firm and any 3rd party used to transfer my credit report from Trans Union to the attorney and law firm without my consent or knowledge, even with explicit instructions not to send it through their attorney or electronically. 

Attorney XXXX XXXX, XXXX, XXXX 's assistant and their entire law firm and any 3rd party used to transfer my credit report from Trans Union violated my right to privacy and violated 15 USC Section 1681b and 15 USC Section 1681q by obtaining my credit report during litigation under false pretenses without a permissible purpose. The actions of all parties in this compliant were willful, negligent and malicious. 

I sent the following email to them on XX/XX/XXXX : Dear XXXX XXXX, XXXX, Trans Union and XXXX, XXXX, XXXX, XXXX and XXXX, I am writing to formally address a serious breach of my privacy rights caused by your improper handling of my credit report, unauthorized access to my credit report under false pretenses a violation under 15 USC 1681q, and Trans Union authorizing access to my credit report without a permissible purpose a violation of 15 USC 1681b.

Despite my clear and explicit instructions to TransUnion to mail my credit report directly to me at the address contained in my notice to you, your firm received my credit report and then forwarded it to me. This conduct is in direct violation of my rights under 15 U.S.C. 1681q and 1681b and exposes me to unnecessary risks, including potential data breaches and unauthorized access to my sensitive information. Additionally, despite your firm calling the credit report a consumer disclosure doesnt escape from what a real full file disclosure is and Trans Union still have not complied with ever sending me my full file disclosure and that was not sent with your letter. I received a personal credit report containing XXXX pages to include Trans Union filler documents. 

You violated my rights under the guise of providing me with a copy of my credit report during active litigation. In XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) has emphasized the following : Regarding Permissible Purpose : The FCRA prohibits the obtaining of a consumer report for any purpose unless the user has obtained the report for a purpose authorized by 1681b.

Unauthorized Access : A consumer reporting agency may furnish a consumer report only under the circumstances outlined in 1681b. Obtaining a consumer report for a purpose not permitted by the FCRA is a violation of the statute.

Litigation and Consumer Reports : The fact that the report was obtained in the context of litigation does not, by itself, confer a permissible purpose under the FCRA. The statute limits permissible purposes to those specifically enumerated in 1681b.

Emphasis on Protection of Consumer Privacy : The FCRA was enacted to protect the privacy of consumers, ensuring that consumer reporting agencies and users of such information comply with strict limits on access and use.

Violation of Privacy Rights Unauthorized Handling of My Credit Report : My instructions to TransUnion specifically required that my credit report be sent directly to me. By having my credit report sent to your firm, TransUnion and your office violated my privacy and disregarded my clear instructions.

Exposing My Data to Additional Risks : By processing and mailing my credit report through your office, you unnecessarily increased the exposure of my sensitive personal and financial information. The involvement of your staff and handling by third parties creates a significant risk of unauthorized access or further breaches.

Failure to Adhere to Standard Practices : Your firms and your clients actions demonstrate negligence in respecting the privacy protections required by law, including under the Fair Credit Reporting Act ( FCRA ) and applicable ethical standards.

Intended Actions Due to this egregious breach of my privacy, I am notifying you of the following actions I intend to pursue : Filing Formal Complaints : I will report this matter to the Court, Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) for violating my privacy rights and mishandling sensitive personal information.

I will submit a grievance to the relevant Indianapolis State Bar Association for ethical violations and misconduct related to this breach.

Future Legal Action : I reserve all rights to seek additional remedies, including pursuing civil action, for the harm caused by this breach of my privacy against you, XXXX, your firm and Trans Union. 
I demand the following : Cease and Desist : Your firm must immediately cease any further handling, processing, or sharing of my personal and financial information. 
Confirmation of Data Disposal : Provide written confirmation that all copies, digital or physical, of my credit report in your possession have been permanently destroyed.

Timeline for Compliance You must comply with the demands outlined above within 2 business days of receipt of this notice. 

I trust that you understand the gravity of this situation and will take the necessary steps to address this breach promptly. 

Sincerely, 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