Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX illegally " evicted '' me from my dwelling. My nonpublic information was shared without my consent. In addition to the eviction, multiple filings are listed on my record prohibiting me from obtaining housing. This entire ordeal has tarnished my record and has caused a severe amount of devastation. I was not only discriminated against but my rights and the laws were violated. The LAW has made it clear that financial institutions may NOT sell or disclose my nonpublic information without MY WRITTEN INSTRUCTION CONSENT PERMISSIBLE PURPOSE OPPORTUNITY TO OPT OUT. This is a violation of the FCRA, GLBA, and FDCPA. 15 US Code 6802. Furthermore, transactions and experiences were illegally shared on my consumer reports from XXXX XXXX XXXX XXXX. According to 15 USC 1681a ( 2 ) ( i ), reporting information solely as to transactions or experiences between the consumer and the person making the report should not be reported. The experience is the EVICTION Along with many IRS violations, there are significant levels of financial and cyber crimes committed on both state and federal levels. Section 2 discusses exclusions therefore I am demanding that the transactions and experiences of this account be removed from all consumer reports. In addition, it's in direct violation that a financial institution 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.15 USC 6802 ( b ) ( 1 ) The Option to OPT-OUT was not given. Reporting such transactions and experiences such as payment history for example is sharing my personal information with the consumer reporting agencies. Due to the nature of these violations, The following fees shall be incurred pursuant to 15 USC 1681e 15 USC 1681g 15 USC 1681i 15 USC 1681s All credit reporting agencies will be liable for XXXX per day for reporting this false and fraudulent information. After 14 days there will be a XXXX attorney fee added. In addition, XXXX XXXX XXXX XXXX and Transunion Rental Screening and all other parties involved will be liable for XXXX per day for FDCPA violations and unfair and deceptive practices. Pursuant to 15 USC 1692. If this matter is removed within 3 days I will consider all parties whole and drop all claims against every institution. If the matter remains unresolved I will be forced to take legal action including but not limited to reporting this activity to all government entities and agencies. These institutions include the IRS, SEC, FTC, FBI, FinCEN, OCC, FCC, HUD CFPB, all applicable Governors DA, Attorney Generals, and The Department of Justice bringing litigation and arbitration amongst all parties. The company only verified the information did not ask them to verify the account. and the information shared is illegal and i was not given the opportunity to opt out 15 USC 6802 in regards to sharing my non public information which again has tarnished my record and prohibiting me from obtaining future housing. Within the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692e : Prohibits debt collectors from engaging in unfair or deceptive practices, which could include ignoring or failing to acknowledge legitimate disputes.Thank you in advance for resolving this issue the second time

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