Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
Formal Complaint of Violations : Under Federal Privacy and Consumer Protection Laws Parties Involved : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TransUnion, XXXX XXXX, XXXX, XXXX XXXX XXXX, and Other Third-Party Agencies Allegations : Violation of Privacy Laws ( 15 USC 6802 - GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX failed to obtain express consent before sharing my personal financial information with third-party entities. 
These institutions did not provide an opportunity to opt out, as required under federal law. 
Unlawful Reporting of Consumer Information ( 15 USC 1681b - Fair Credit Reporting Act ) : Credit reporting agencies furnished my consumer reports without a permissible purpose as defined by FCRA. 
Derogatory information was reported on my credit file without written consent or authorization. 
Extortion and Conspiracy ( 18 USC 894 - Extortionate Credit Transactions ) : XXXX XXXX XXXX XXXX allegedly conspired with credit agencies and third-party collectors to extort payments and punish me through the use of derogatory credit reporting. 
This action constitutes extortion and has caused significant harm to my financial standing and personal well-being.

Identity Theft and Unauthorized Information Sharing ( 18 USC 1028A - Aggravated Identity Theft ) : My sensitive information was mishandled, traded, and sold for profit by these institutions and associated agencies. 
These acts were performed without my consent or lawful authority. 
Supporting Facts : The information shared with third-party entities was done without providing an opt-out mechanism or obtaining my consent. 
Derogatory information remains on my credit reports despite no permissible purpose for the initial furnishing of the data. 
My personal and financial information has been exploited for profit, with no communication or agreement on my part to authorize such use. 
Legal Violations : 15 USC 6802 : Failure to ensure privacy and consumer consent for sharing financial information. 15 USC 1681b : Furnishing consumer r
eports without permissible purpose.

18 USC 894 : Extortion through punitive credit reporting practices.

18 USC 1028A : Misuse of sensitive personal information without lawful authority.

Requested Remedies : Immediate cessation of sharing, trading, or selling my personal and financial information. 
Removal of all derogatory information from my credit reports. 
A formal investigation into the practices of XXXX XXXX XXXXXXXX, and involved third-party agencies. 
Compensation for damages incurred due to these violations, including but not limited to financial loss, emotional distress, and legal fees. 
Assurance of compliance with federal privacy and consumer protection laws moving forward.

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