Consumer complaint received 2024-09-09 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:
Transunion LLC was initially given NOTICE on ( XX/XX/XXXX ) In which to [ p ] resent any documents endorsed by the consumer as to any and all of such documentation as to having established a consumer credit relationship enabling an agreement in which Transunion LLC was granted to disclose non-public information before non affiliated third parties as a Financial Institution by given precedent authority in Transunion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. establishing Transunion to being in compliance thereof 15 U.S. Code 6802 ( sic ) ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.and that TRANSUNION provides such services and comes within the Gramm-Leach-Bliley Act. .Transunion LLC provided no response or documentations thereof in which to establish a customer relationship with the consumer in compliance with 15 U.S. Code 6803 ( a ) ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.The consumer also stated that Transunion provided data of the consumer 's report reflecting transactions and experiences between the consumer and the creditors/ persons who made the report.This act of disclosure violated 15 U.S. Code 1681a ( d ) ( 2 ). The consumer filed a CFPB report on XXXX against Transunion LLC asserting such violations and the remedy requested in which such violations are prima facie absent such documentations asserting consumer credit relationship between the consumer and Transunion LLC.. In lieu thereof having addressed the issues within the complaint, i.e.- Improper Use of Report, Transunion LLC sought out to treat the consumers complaint as a [ c ] hallenge against correcting the accounts within the report and deleted accounts from the consumer 's credit report which the consumers complaint made no such relief / remedy or asserted as to what the original complaint made presentable. On ( XX/XX/XXXX ), the consumer filed yet another NOTICE before Transunion LLC to make the necessary corrections, in its investigations, and to actually address the facts asserted within the complaint that was initially the adverse action sought against Transunion LLC. Transunion LLC did not correspond with the Notice given in which made specific emphasis directing Transunion LLC to present such documentations or to be liable by paying the compensation of {$1000.00} per account that Transunion LLC report connotes pursuant to 15 U.S.C. Sec.1681n ( a ) ( 1 ).

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