Consumer complaint received 2024-07-18 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: CA

Complaint narrative:
XXXX XXXX Report file number. XXXX upon reviewing my consumer report I noticed XXXX is reporting inaccurate information, personal information, and accounts that are being reported inaccurately and in addition not being my accounts. You are not in Metro 2 standards. If any information shall deviate from the standard the account must be removed Please update my correct name : XXXX XXXX XXXX current address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please remove all non mailable addresses. 

Please remove the following Inquiries that are not mine I do not have an account with nor do You have permissible purpose to furnish these Inquiries. 

The Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A furnisher of information to credit agencies is a financial institution by definition under this title. 15 USC 1681, section 604 ( a ) ( 2 ), specifies that " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither the furnisher of information to credit agencies nor the consumer reporting agencies, XXXX and XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any and all consent to XXXX, XXXX, and furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. 

Additionally, 15 USC 1681C ( a ) ( 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 : any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law.

15 USC 1681s-2 ( 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. '' Furthermore, 15 USC 1681e requires that " 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 and XXXX  are not maintaining reasonable procedures. 

Moreover, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right to opt out of your reporting services. 

Please cease and desist from furnishing any of my personal information, and confirm receipt of this letter and compliance with my requests.

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