Consumer complaint received 2024-06-05 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: IL

Complaint narrative:
This Complaint is against Transunion, XXXX, XXXX for Violation of the Privacy Act and Ignoring Opt-Out Request. 
I am filing this complaint against Transunion, XXXX, XXXX due to their repeated violations of the Privacy Act and their failure to honor my opt-out requests for Marketing communications. These actions have caused significant distress and a breach of my privacy. 
a. ) Unauthorized Sharing of Personal Information. 
On multiple occasions, Transunion, XXXX, and XXXX has shared my personal information with third parties without my consent. Specifically, I have noticed an increase in unsolicited marketing communications from companies i have no prior relationship with, which indicates that my information has been shared without authorization. ( Specifically, my name, address, phone number, and email address ) b. ) Failure to Provide Access to Personal Information. 
I requested access to the personal information Transunion, XXXX, and XXXX holds about me, as is my right under the Privacy Act. However, my requests have either been ignored or insufficiently addressed. 
c. ) Inadequate Data Security Measures. 
I have reason to believe that Transunion, XXXX, and XXXX do not have adequate security measures in place to protect my personal information, as evidenced by the unauthorized sharing of my data. 
XXXX. ) Ignored Opt-Out Requests Violation I have repeatedly requested to opt-out of marketing communications from Transunion, XXXX, and XXXX XXXX but these requests have not been honored. Despite multiple attempts to opt-out through various provided channels, I continue to receive unwanted communication. 
e. ) Misleading Opt-Out Process. 
The opt-out process provided by Transunion, XXXX, and XXXX is misleading and difficult to navigate. There is a lack of clear instructions, and the process seems designed to discourage consumers from successfully opting out. 
f. ) Impact on Me The violations committed by Transunion, XXXX, and Transunion have caused me significant distress and inconvenience. the Unauthorized sharing of my personal information has led to an influx of unsolicited communications, which disrupt my daily and compromises my privacy. Furthermore, the failure to honor me opt out request demonstrates a biant disregard for my preferences and rights as a consumer. 

( 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 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