Consumer complaint received 2024-09-25 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: TN

Complaint narrative:
I am writing to formally file a second complaint regarding unauthorized and inaccurate credit reporting by TransUnion. Despite previous requests, the issues I have raised remain unresolved, and TransUnion continues to report financial information without my consent. This failure to act not only violates federal regulations but also causes ongoing harm to my credit reputation and violates my privacy rights.

15 USC 1681 ( a ) 1-4 states : a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
TransUnion has been practicing this elaborate scheme for years and continues to show blatant arrogance and disregard while knowingly and willfully continuing to provide adverse & malicious reporting and they are to be held accountable. Where is the accountablilty?

1. Unauthorized Reporting of Nonpublic Personal Information According to 16 CFR 313.3 ( 1 ), nonpublic personal information includes personally identifiable financial information, as well as any consumer information derived from it. TransUnion has been specifically asked to remove all loans and financial data from my credit report due to the lack of written consent, yet this information remains on record. This failure to remove the information constitutes knowing and willful misconduct, with the intent to cause continuous harm. Their ongoing actions violate my rights under privacy regulations.

2. Violation of the Gramm-Leach-Bliley Act ( GLBA ) TransUnions actions violate the Gramm-Leach-Bliley Act by disseminating nonpublic personal information ( NPI ) without my explicit consent. Under 15 USC 6821 ( b ), sharing this type of data without providing the necessary opt-out notices constitutes a violation of privacy regulations. Nonpublic personal information includes : Names Addresses Phone numbers Social Security numbers Income Credit score Account numbers Payment history Loan or deposit balances Credit or debit card purchases I demand the immediate cessation of these unauthorized practices and require the correction of all unauthorized information sharing.

3. Criminal and Civil Liabilities ( 15 USC 6823 ) TransUnion 's ongoing failure to comply with federal privacy laws, despite my repeated requests, may subject them to criminal penalties under 15 USC 6823. This law imposes both criminal and civil liabilities for knowingly violating laws protecting customer information. I request an investigation into these unlawful practices, as they have caused considerable and sustained harm to my credit reputation and privacy.

4. Failure to Provide Consent for Financial Reporting I have never authorized the reporting of my financial information, including account balances, payment history, or loan details, by TransUnion. As required under 5 U.S. Code 552a ( 4 ), any financial information reported must have written consent. To date, TransUnion has failed to provide evidence of my consent. This failure constitutes a violation of my privacy rights, and their reporting continues to damage my reputation and creditworthiness. Let me be clear ; REMOVE cease and desist reporting anything that has to do with money meaning if it requires a money sign ( balance, payment received/payment made, high balance, terms ) STOP your knowing and willful deceptive reporting.

Request for Immediate Action Given that this is my second complaint, I demand the immediate removal of all inaccurate and unauthorized information from my credit report which are the student loans. I also request an updated credit report showing updated score, a written explanation and action plan detailing how TransUnion will correct these violations and ensure compliance moving forward. A thorough investigation into their reporting practices is necessary to prevent further harm. 
I appreciate your prompt attention to this matter and expect swift action to resolve these ongoing issues.

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