Consumer complaint received 2024-10-31 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:
Regarding : XXXX Account Account # XXXX Date : XX/XX/year> Notice to agent is notice to principal notice to principal is notice to agent. Upon my review of my consumer reports it has come my attention that you TRANSUNION are reporting an account/ accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report.

15 USC 1681b2 : As a consumer I have the right to privacy pursuant ; 15 USC 1681, 15 USC 1692, 15 USC 6801. My private information is my business, my XX/XX/XXXX loans are my private information, you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A : As a consumer, you have an obligation to protect my personal non public information.

15 U.S. Code 6801 - Protection of nonpublic personal information ; It is the policy of the 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. 
You are reporting my Confidential and private information without my permission or without giving the proper disclosures.

Pursuant 15 USC 6802 ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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 am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information.

I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Your action has caused me and my family severe mental anguish, defamation of character. You ( TRANSUNION ) have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information.

18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Furthermore you have no lawful authority or permissible purpose to put any account my consumer reports.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Best regards, XXXX XXXX XXXX : CFPB via fax ( XXXX ) XXXX

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