Consumer complaint received 2024-02-10 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: OH

Complaint narrative:
I have informed numerous companies that I am exercising my rights to opt out of any reporting and sharing of my Non-Public Personal Information under the Privacy Act of 1974. I also exercise my right to be forgotten ; I've included all the companies included in the attachment below. The companies listed in the attachments have all disregarded my rights as a private American and federally protected consumer. It is the obligation of any corporation, including the credit bureaus, to protect my privacy and Non-Public Personal information. I want these accounts removed immediately. I also want compensation for invading my privacy and using my credit file without my consent. say you choose not to comply, I have no problem obtaining a forensic audit of the account numbers listed and filing reports with the SEC, and any other necessary entity. 

Transunion I am now informing you that I am opting out of all of the companies listed below and Instructioning you to remove All accounts listed per the laws listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove all of these accounts Immediately, again it is your obligation to protect my privacy say you choose not to comply I have no problem filing this complaint with higher entities. 


nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy 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 OPT OUT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. States that I have the Right AT ANY TIME to OPT out of ANY PERSON reporting on my consumer report. The Law also states that I have a right to privacy per the Privacy act of 1974 and a right to be forgotten under Article 17 of The General Data Protection Regulation ( GDPR ). Per the FCRA as a federally protected consumer, i am now opting out of any and all authorization I the consumer, may have given you written, unwritten verbal and non-verbal per 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.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

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