Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Per 15 U.S.C. 6508 ( 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.

( 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.

I Have the right to opt out of any/all information being shared on my consumer report TransUnion is violating my rights as a consumer. This is a violation of my privacy.

Per 15 U.S.C. 6508 ( 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.

( 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. 


I Have the right to opt out of any/all information being shared on my consumer report Transunion, XXXX violating my rights as a consumer. This is a violation of my privacy. 





[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX ], [ XXXX ] [ XXXX ] SSN : XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. 
The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. 
Here are the inaccuracies I have identified : XXXX XXXX  Act. # XXXX {$1400.00} Past Due XXXX Opened {$1000.00} Credit Limit {$1400.00} Balance XXXX XXXX Act. # XXXX {$1200.00} Past Due XXXX Opened {$1000.00} Credit Limit {$1200.00} Balance XXXX  XXXX Act. # XXXX Collection/ Chargeoff XXXX Opened {$0.00} Credit Limit {$550.00} Balance XXXX XXXX XXXXXXXX XXXX XXXX {$460.00} Past Due XXXX Opened {$300.00} Credit Limit {$460.00} Balance XXXX XXXX XXXX # XXXX {$200.00} Past Due XXXX Opened {$300.00} Credit Limit {$200.00} Balance XXXX XXXX XXXX  XXXX XXXX # XXXX 60 Days Late XXXX Opened {$2500.00} High Balance {$0.00} Balance XXXX  XXXX  Act. # XXXX 90 Days Late XXXX Opened {$120.00} High Balance {$0.00} Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Closed XXXX Opened {$520.00} High Balance {$0.00} Balance XXXX XXXX XXXX XXXXXXXX Closed XXXX Opened {$320.00} Credit Limit {$0.00} Balance XXXX XXXX XXXX XXXX Current XXXX Opened {$140.00} High Balance {$0.00} Balance XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX Opened {$250.00} Credit Limit {$0.00} Balance XXXX XXXX XXXX XXXX Closed XXXX Opened {$75.00} High Balance {$0.00} Balance XXXX XXXX XXXX XXXX XXXXXXXX Closed XXXX Opened {$300.00} Credit Limit {$0.00} Balance Notice to Principal ; Notice to Agent - Notice to Agent ; Notice to Principal

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