Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Tell me if Im wrong but to my understanding a consumer reporting agency has laws and statutes that they are suppose to uphold. Especially when it coincides with that of Privacy.Upon reviewing my credit report with Transunion, I feel violated due to the fact I'm being passed around to other company 's without my written consent as pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.Further the law states pursuant to P.L. 90-321 ( 82 Stat. 146 ) that there are stronger regulations regarding access to credit reports. It stipulates that any agency can only obtain an individual 's credit report in response to a request made by the head of a State or local child support enforcement agency, or a State or local government official who has been specifically authorized by the head of such an agency. This law imposes stricter controls on the dissemination of credit information, particularly in cases related to child support enforcement or other governmental purposes at the state or local level.Seeing that none of the companies that took a peak at my credit report are Government officials that is a direct violation of my rights I have not given any written consent for such activities! Also it is a direct violation of the Privacy Act of 1974.Privacy Act of 1974 ( 5 U.S. Code 552a ) It States the following : Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31 Again this emphasizes the importance of my written consent! This act invokes a penalty of {$1000.00} per violation. In light of this I would like to Opt out of any and all Promotional inquiries on my credit file with Transunion. This includes any written, non written verbal or non verbal, directly or indirectly consent that I may have given them. I want to Opt out of all Promotional inquiries only with my permission only pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this sub chapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliated 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 non affiliated 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 this 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.

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