Consumer complaint received 2023-10-01 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:
XXXX, XXXX, and Transunion XXXX are consumer reporting agencies and I have to report with XXXX to give a clear understanding that I am the consumer. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer right to privacy. As the consumer I have the right to make sure my PRIVATE information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information. ( Furnishes of information to credit agencies ) is a financial institution by definition under title 15 USC 1681 section 604 a section 2 States that In general Subject to subsection ( c ), 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. ( Furnisher of information to credit agencies ) is a financial institution and the Consumer reporting agencies XXXX, XXXX, Transunion DO NOT HAVE MY WRITTEN CONSENT. Any and all consent XXXX, XXXX, Transunion, ( Furnisher of Information to credit agencies ) whether it be verbal, non verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose no public personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of CONVICTIONS OF CRIMES which antedates the report by more than seven years. This account is an adverse item they are reporting again WITHOUT MY PERMISSION which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows is has reasonable cause to believe that the information is inaccurate. 15 U.S Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer report to the purpose listed under section 1681b of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at anytime. Families Education Rights and Privacy Act ( FERPA ) applies to any public, or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) remove any student loans reporting on consumer report ( s ). 12 CFR 1022.3 Consumer has been affected by Identity theft. XXXX, XXXX and Transunion has XXXX business days from XX/XX/2023 block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. 15.U.S Code 1681c-2 I AM OPTING OUT OF YOUR REPORTING SERVICE XX/XX/2023.

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