Consumer complaint received 2024-03-26 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: LA

Complaint narrative:
Under FCRA and XXXX XXXX XXXX XXXX provides A consumer may exercise the right to opt out at any time and as a Federally protected consumer, I have previously exercised my option to Opt-Out with XXXX LLC XXXX XXXX XX/XX/XXXX. However, despite exercising my right to opt-out, XXXX LLC XXXX XXXX with XXXX XXXX XXXX XXXX violation of Privacy under the Privacy Act of XXXX, ( XXXX XXXX XXXX XXXX A ) ) by reporting : personal, nonpublic, private financial transactions and information to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions violate various laws under XXXX XXXX XXXX of the Fair Credit Reporting Act and violate my previous written expressed instructions to opt-out. 
The Fair Credit Reporting Act XXXX XXXX XXXX XXXX provides 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. TransUnion XXXX XXXX, XXXX XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which provides 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, and XXXX are financial institutions by definition under that title. XXXX XXXX XXXX XXXX section XXXX states In general Subject to subsection ( c ) any consumer reporting agency XXXX 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, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion XXXX Relations, XXXX, XXXX, by XXXX XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant to XXXX XXXX XXXX ( b ) ( c ) provides 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, and XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( 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. XXXX XXXX and XXXX XXXX, are reporting adversely and without my consent which is against the law. XXXX. XXXX states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under XXXX of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that a consumer XXXX exercise the right to opt-out at any time. I am opting out of XXXX XXXX, and XXXX reporting services.

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