Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
I am filing this complaint because there are ( 4 ) trade lines that along with Trans Union is unlawfully reporting my Non Public Personal Information without my consent in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ). 
The Gramm-Leach-Blilley Act ( GLBA ), The Privacy and Act of 1974, and other relevant federal and state regulations concerning the ( FCRA ) such as improper use of my Trans Union credit report . Applicable laws and violations of FCRA 15 USC 1681 et seq. 15 USC 1681, section 602 ( a ). There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to PRIVACY. 
Trans Union as a Credit Reporting Agency is required by law to respect my right to privacy and ensure accuracy and fairness in their reporting. The presence of the negative marks on my credit report are information regarding remarks I did not give consent to have furnished reflects a lack of compliance with the statutory obligations. 16 USC 1681, Section 604 ( a ) ( 2 ) any credit reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have never provided Trans Union permission to insert the following accounts on my credit report and I demand all ( 4 ) accounts listed below be DELETED immediately for each one is in direct violation of my PRIVACY RIGHTS! 

XXXX ) XXXX XXXX XXXX  - # XXXX XXXX. 
XXXX ) XXXX  XXXX # XXXX : XXXX ) XXXX XXXX # XXXX 
XXXX XXXX XXXX XXXX XXXX  # XXXX. 

A person shall not furnish information that is inaccurate, by reporting or furnishing inaccurate, outdated or unauthorized information. 
The ( 4 ) accounts listed below are in clear violation of this clause. 15 USC 1681 ( e ) states every credit reporting agency shall maintain reasonable procedures designed to avoid violations of this section1681 ( c ) of this title and to limit the furnishing of credit reports to the purposes listed under section 1681 ( b ) of this title. 
Trans Union has failed to demonstrate reasonable procedures designed to prevent the furnishing of unauthorized or inaccurate information. 
The lack of proper safeguards directly harms me the consumer. 
The Gramm-Leach- Blilley Act ( GLBA ) 15 USC 6802 et . seg. 15 USC 6801, it is the policy of 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 these customers non public personal information.Trans Union as well as all the furnishers listed have a duty to protect my non public personal information. 
Their sharing and use of my personal data without proper authorization contravenes this act. 
15 USC 6802 ( b ) ( c ) A financial institution may not disclose non public personal information to a non affiliated third party unless a consumer is given an explanation of how the consumer can excercise any non disclosure option prior to my information being shared. 
The omission violates my rights under the Gramm-Leach- Blilley Act ( GLBA ) .Trans Union has failed to maintain reasonable procedures to avoid unauthorized or inaccurate information that is contravening 15 USC 1681e ( b ) Violation of the Spirit of the Rivacy Act of 1974 and related consumer protection statutes by furnishing reporting and utilizing my personal information without my consent These actions have caused me harm by adversely affecting my credit worthiness. 
I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) throughly investigate these violations, enforce all applicable penalties, and secure immediate relief and remedy for the harm caused. 
Thank You, for your time and consideration in this matter.

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