Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
Per the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a 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. '' XXXX, XXXX and Transunion are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states " It is the policy of the XXXX 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. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  states that " In general Subject to subsectioXXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX, the financial institution, and the Consumer reporting agencies XXXX, XXXX and Transunion do not have my consent to furnish this information for account # XXXX and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is now REVOKED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information " Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures. XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time along with XXXX XXXX XXXX which states " A consumer may exercise the right to opt out at any time '' which is given authority from XXXX XXXX XXXX XXXXXXXX of nonpublic personal information. XXXX XXXX Code XXXX - Enforcement under ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ XXXX. XXXX seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. This account ( # XXXX ) has been reporting to my consumer report since XXXX of XXXX. I am opting out of your reporting services for this account.

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