Consumer complaint received 2024-05-14 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: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( XXXX XXXX XXXX ), Section XXXX emphasizes the imperative for consumer reporting agencies to conduct their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX and XXXX, as consumer reporting agencies, are bound by these standards. As a consumer, I hold the right to safeguard my private information, as reinforced by XXXX XXXX XXXX, which mandates financial institutions to uphold customer privacy and confidentiality. 

Per XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency can only furnish a consumer report with explicit written consent from the individual concerned. XXXX, XXXX, and any financial institution ( referred to as the " Furnisher of information to credit agencies '' ) lack my consent to share this information, particularly written consent. Therefore, any prior consent, whether verbal, non-verbal, or implied, is hereby rescinded. 

Furthermore, as per XXXX USC XXXXXX/XX/XXXX financial institutions must inform consumers of their right to opt out of information disclosure to nonaffiliated third parties. However, the " Furnisher of information to credit agencies '' failed to provide me with this option. Additionally, XXXX XXXX XXXXXX/XX/XXXX prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, which XXXX and XXXX have violated. 

Moreover, XXXX XXXX Code XX/XX/XXXX prohibits the furnishing of inaccurate consumer information to consumer reporting agencies, and XXXX XXXX Code XXXX mandates consumer reporting agencies to maintain reasonable procedures to avoid violations and limit the use of consumer reports to authorized purposes. Trans Union and Trans Union are evidently not meeting these standards. 

Additionally, XXXX CFR XXXX guarantees consumers the right to opt out of reporting services at any time, which I am now exercising. 

Furthermore, according to the Privacy Act of XX/XX/XXXX ( XXXX XXXX XXXX XXXX ), agencies are barred from disclosing records without written consent from the individual, unless under specific conditions, which were not met in this case. The violation of both the Fair Credit Reporting Act and the Privacy Act of XX/XX/XXXXis apparent. 

Important Definitions from XXXX XXXX XXXX XXXX : The term consumer reporting agency means any person engaging in the practice of assembling or evaluating consumer credit information for furnishing consumer reports to third parties. 
The term consumer means an individual. 
The term consumer report encompasses any communication of information by a consumer reporting agency bearing on a consumers creditworthiness, character, or mode of living. 
Exclusions from consumer reports include reports solely containing information on transactions or experiences between the consumer and the reporting entity. 
XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports : Consumer reporting agencies may furnish reports only in accordance with the written instructions of the consumer concerned. Any addition to the consumer report without explicit authorization violates the Fair Credit Reporting Act. 
XX/XX/XXXX stipulates that agencies can access consumer reports only upon request from specified government authorities, further reinforcing the stringent nature of the law.

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