Consumer complaint received 2024-03-18 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: LA

Complaint narrative:
As specified by the FCRA 15 USC 1681 section 602 states 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. I am the consumer and TransUnion, XXXX, and XXXX are consumer reporting agencies. I the consumer have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states 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 these customers nonpublic personal information. XXXX and XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX and XXXX the financial institutions and the consumer reporting agencies TransUnion, XXXX, XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to TransUnion, XXXX, XXXX, XXXX, and XXXX whether it be verbal, nonverbal, written, or implied is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffilated third party unless the consumer is given an explanation of how the consumer can exercise a nondisclosure option. XXXX and XXXX never informed me of my right to exercise this nondisclosure option. Also 15 USC 1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s ( 2 ) ( A ) ( 1 ) ( A ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer report to the purposes listed under section 1681b of this title. 20 USC 1232 ( g ) ( b ) protects the privacy of student education records. Financial history can not reported without the written consent of the person who it belongs to. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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