Consumer complaint received 2024-08-03 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Iowa XXXX XXXX XXXX XX/XX/XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Iowa XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Violation and Demand for Action Dear Sir/Madam, I am writing to formally lodge a complaint regarding the continuous and unauthorized reporting of my credit information to a credit agency by XXXX XXXX XXXX XXXX XXXX which constitutes a direct violation of a cease and desist notice I previously issued. This ongoing communication is not only unwarranted but also illegal under multiple federal statutes.

# # # Violations 1. **Cease and Desist Violation : ** Despite my clear cease and desist notice, XXXX XXXX XXXX XXXX has continued to report my credit information to a credit reporting agency. This action is a form of communication that must cease immediately. Furthermore, this communication must also include the deletion of my information from my credit consumer report.

2. **Gramm-Leach-Bliley Act Violation ( 15 U.S.C. 6802 ) : ** I have opted out of information sharing pursuant to 15 U.S.C. 6802, and I have provided notice of this opt-out to XXXX XXXX XXXX XXXX XXXX However, the bank has continued to share my nonpublic personal financial information in blatant disregard of my rights under the Gramm-Leach-Bliley Act.

3. **Fair Credit Reporting Act Violation ( 15 U.S.C . 1681b ) : ** The continued reporting of my credit information without my explicit written instruction and permission is a violation of 15 U.S.C. 1681b. I challenge XXXX XXXX XXXX XXXX and the credit reporting agency to produce any documentation proving that I have given such permission. As I have not provided such authorization, this reporting is illegal and must cease immediately.

4. **Identity Theft and Assumption Deterrence Act Violation ( 18 U.S.C . 1028A ) : ** By passing my nonpublic personal financial information without lawful authority, both XXXX XXXX XXXX XXXX and the credit reporting agency are in violation of 18 U.S.C. 1028A. This is a serious offense and will not be tolerated.

# # # Notice of Potential Litigation Should these demands not be met promptly, I will have no choice but to seek legal remedies for harassment and abuse. This will include filing a lawsuit for each violation outlined above. Be advised that this will include claims for damages due to the continued distress and impact on my financial standing caused by your illegal actions.

# # # Conclusion Please treat this matter with the utmost urgency and respond in writing within 14 days of receipt of this letter. Failure to comply with these demands will result in immediate legal action. 

Sincerely, XXXX XXXX XXXX : ** - Federal Trade Commission **Enclosures : ** - Copy of Cease and Desist Notice - Relevant Documentation for Reference

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