Consumer complaint received 2024-03-04 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: IN

Complaint narrative:
I've previously filed a complaint on Transunion dated XX/XX/XXXX on CFPB for poorly received " updates '' yet a continuation of the listed violations. Previously I had received from Transunion investigation and response on CFPB on XX/XX/XXXX. With proof of claim and complianceof the listed inaccuracies of the Credit Reporting Agency Transunion had accumulated of violations without my knowledge OR consent after I had filed this CFPB complaint and Transunion had complied, agreed and delete off the listed violations I had listed ( Credit Reporting Agency Transunion + XXXX XXXX XXXX ). 

As well as with the Furnisher of Information to credit agencies Progressive Insurance company. As this is complete proof of claim of Transunion. So what would make Transunion any different with the listed violations iv found now this time with the same student loan accounts that were closed on XX/XX/XXXX but now reopened? As XXXX found with XXXX XXXX XXXXXXXX car loan that was opened and listed with late payments against my given consent and in violation of 15 USC 1681 section 04 a section 2 stating : " 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. '' again ( Furnisher of information to credit agencies ) or XXXX XXXX XXXX as listed on Transunion. BOTH the financial institution and the Consumer reporting agency Transunion did NOT have my consent or written consent for that matter to furnish this information. From the Privacy Act of XXXX " ( 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 '' As a matter of fact the CFPB complaint iv submitted on XX/XX/XXXX I had already strictly stated to opt-out specifically to TransUnion credit reporting services completely. In accordance with 12 CFR 1016.7 " A consumer may exercise the right to opt out any time '' Transunion is continuing to provide reporting after iv already had student loans previously listed deleted off and status updated to paid as agreed as well is in defiance in removing XXXX XXXX XXXX open account that is in violation of the following i had listed 12 CFR 1016.7, Privacy Act of 1974 and 15 USC 1681 section 04 a section 2 against my given written instructions to furnish the following information in the first place. As well as the Dates, Amount payments, and Derogatory remarks from XXXX, Transunion as well as XXXX regarding the XXXX XXXX XXXX open account on my car loan account from are all in contradiction with each other and falling under inaccurate reporting of 15 USC 1681 ( 1 ) As I wasn't provided with any proper consent on a 30 day basis in having the right to opt-out 12 CFR 1016.7 I will restate this again clearly. Transunion I am now opting out completely of your 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 non-monetary relief