Consumer complaint received 2024-01-11 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: CA

Complaint narrative:
Despite numerous deletions addressing the improper use of my credit report through dispute resolutions and other measures spanning from XXXX  to the present, the persisting issue raises concerns under 12 CFR 1022.3 Definitions, where " Identity theft '' is defined as a fraud committed or attempted using someone else 's identifying information without authority. Any addition to my report without written consent could be deemed a form of Identity theft. This not only poses a threat to my consumer identity but also detrimentally impacts my creditworthiness, causing adverse consequences that extend to various aspects of my life. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies must carry out their significant responsibilities with equity, impartiality, and a regard for the consumer 's privacy rights. The entities in question, namely TransUnion, XXXX, and XXXX, function as consumer reporting agencies, with me being the concerned Consumer. I hold the right to ensure the confidentiality of my personal information, as supported by 15 USC 6801, which articulates Congress 's stance on financial institutions ' obligation to uphold customer privacy. 

Under 15 USC 1681 section 604 a section 2, it is specified that a consumer reporting agency may only furnish a consumer report based on the explicit written instructions of the related consumer. I wish to assert that neither the financial institution ( Furnisher of information to credit agencies ) nor the Consumer reporting agencies TransUnion, XXXX, and XXXX possess my consent for such information sharing, verbal, non-verbal, written, implied, or otherwise. All forms of consent to TransUnion, XXXX, XXXX, and ( Furnisher of information to credit agencies ) are hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of the nondisclosure option. Regrettably, ( Furnisher of information to credit agencies ) failed to apprise me of my right to exercise this nondisclosure option. Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a report without the consumer 's permission. The inclusion of such adverse information without my consent violates the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, furnishing inaccurate information to a consumer reporting agency is strictly prohibited. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies like TransUnion, XXXX, and XXXX to maintain reasonable procedures to avoid violations. It is evident that these agencies are not adhering to reasonable procedures. 

Finally, in accordance with 12 CFR 1016.7, I assert my right to opt out of your reporting services 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