Consumer complaint received 2024-04-16 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: NY

Complaint narrative:
TransUnion is in violation of many of the consumer rights protection laws set forth by the FCRA. My consumer report continues to reflect unauthorized disclosure of my nonpublic personal information, unlawful reporting of transactions history, federal tax information as well as information determined to be income noted in IRS publication 4681. TransUnion has violated my privacy, mishandled my nonpublic personal information and has failed to keep confidentiality and accuracy obligations as required by law. 

I will express in detail the violations and events and attach documentation to further support my request for the removal of certain information off of my consumer report. 

TransUnion is in violation of 15 U.S. Code 6801- 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. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

TransUnion has disclosed my information with every company listed in the REGULAR INQUIRIES, PROMOTIONAL INQUIRIES, & ACCOUNT REVIEW INQUIRIES portion of the consumer report formed in regard to me as the consumer. I have never given TransUnion any consent written, verbal, digital, or otherwise to disclose my information with these companies. They have failed uphold their obligations as required by law under this title. I demand this information be removed in accordance with the law. 

The law requires TransUnion to have the consumers written consent to lawfully disclose my information. TransUnion is in violation under title 15 U.S. Code 1681b ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never given TransUnion any consent whatsoever and I want this information removed in accordance with the law.

TransUnion has never informed me of their intent to disclose my information nor have they provided me with an option to opt out of disclosure or information how to exercise that option, TransUnion is again in violation of 15 U.S. Code 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( 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 t
his 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. I want this information removed in accordance with the law. 

TransUnion continues to report and share transaction histories and Charged off accounts and it is against the law to report transaction history and experience between the consumer and the person making the report, and TransUnion is in violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I will also note that IRS publication 4681 defines a Charge Off ( discharged debt ) {$600.00} or more is INCOME to be reported. The event can only happen with IRS form 1099, which i have never received a Copy B of, which is required by law. According to the rules and regulations set forth in IRS publication 1075, this information is FTI ( federal tax information ). IRS publication 1075 says FTI shall not be disclosed without the supervision or at the direction of the IRS, if even disclosed at all and shall be punishable by law.

I AM LAWFULLY ENTITLED TO A FAIR AND ACCURATE CONSUMER REPORT 15 U.S. Code 1681e ( b ) - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

TransUnion has not only violated my right sand privacy under FCRA, they have also violated IRS rules and regulations, and The Privacy Act of 1974.

It is expressed in The Privacy Act of 1974- The Privacy Act of 1974 The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure.

MY CONSENT IS REQUIRED BY LAW FOR DISCLOSURE OF ANY OF MY INFORMATION AND TRANSUNION DOES NOT HAVE MY CONSENT TO.

I require the information described herein and as noted on the provided attachments to be removed IN ACCORDANCE WITH THE LAW. 

IF THESE ISSUES ARE NOT ADDRESSED AND REMOVED, AS IT IS A LWFUL REQUEST, I WILL BE FORCED TO CONTACT THE FTC, THE CONSUMER FEDERATION OF AMERICA, the IRS COMMISSIONER, and the IRS DEFENSE INFORMATION SYSTEM AGENCY to assist me in seeking the removal of this information and to further protect my nonpublic personal information. 

I put my trust in the CFPB to help remedy these injustice.

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