Consumer complaint received 2025-01-02 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: CO

Complaint narrative:
In XXXX of XXXX I noticed that there is an account on my credit report that shouldn't be reported from XXXX XXXX XXXX, the amount is for {$24000.00}. This amount is an inaccuracy, and I asked for account information, validation and verification, as well as wrote them a notice of " opt out " of sharing non- personal information. I have not received any word from them. 
As per the Fair Credit Reporting Act 15 USC1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect. 
Transunion, XXXX, XXXX, being consumer reporting agencies, and I, the consumer, have the right to ensure the non-disclosure of my private information in accordance with 15 USC 6801, Which states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy its consumers and to protect the security of those customers non- public information. 
As such XXXX XXXXXXXX XXXX is a financial institution by definition under that title. 
15 USC 1681 section 604 ( a ) section 2 states that In general Subject to subsection ( C ), any consumer reporting agency may report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX has been notified that it is not my consent to share any of my information with anyone including their affiliates and credit reporting agencies. XXXX XXXX XXXX continues to report my information without my consent. The consumer reporting agencies, Transunion, XXXX, and XXXX do not have my consent whether verbal or written to furnish this information. 
Any and all alleged consent to XXXX, XXXX, Transunion and XXXX XXXX XXXX whether it be verbal, non verbal, written, implied or otherwise IS REVOKED IMMEDIATELY. 
15 USC 6802 ( b ) ( c ) states that : A Financial Institution may not disclose nonpublic information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non disclosure option. However, XXXX XXXX XXXX failed to inform me of my right to exercises my non- disclosure option, even though I have written to them asking them clearly not to furnish my information and that I opt out of sharing my information. 
Additionally, 15 USC 1681C ( a ) ( 4 ) ( 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 or ANY other adverse item of information, other than records of crime convictions which antedates the report by ( XXXX ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. ( XXXX ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
This account is an adverse item that they have been reporting without my permission which is against the law. It has caused personal harm in regards to applying for a job and making necessary purchases. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, Transunion, XXXX and XXXX XXXX XXXX are not maintaining reasonable procedures. 
Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
Just to be clear, I AM OPTING OUT OF YOUR REPORTING SERVICES

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