Consumer complaint received 2025-04-20 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:
On XXXX Consumer reported before the financial institution ( " Transunion '' ) as to provide dates and form of communication that was provided before the consumer via in writing or in electronic form or other form permitted by the regulations prescribed under XXXX XXXX Code XXXX compilable with XXXX XXXX Code XXXX ( a ) ( b ) ( XXXX ) ( A ) ( B ) ( C ), that clearly and conspicuously via such aforementioned correspondences informed the consumer that such information may be disclosed via Transunion to such third parties and to provide what " specific '' information was provided per XXXX ' individual account of expired dates per each of the accounts, infra, in which the consumer may 'opt out ' from such accounts to being disclosed before third parties. Consumer provided these said accounts which also exampled for Transunion to view also " transactions & experiences ''. XXXX XXXX XXXX * * * * XXXX * * * * XXXX  XXXX  XXXX XXXX XXXX XXXX * * * XXXX XXXX XXXX * * * * XXXX XXXX XXXX * * * * XXXX XXXX  XXXX XXXX XXXX XXXX * * * * XXXX * * * * XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX AND XXXX * XXXX * * XXXX XXXX, XXXX * * * * XXXX  XXXX * * XXXX XXXX XXXX XXXX XXXX  XXXX * * * * XXXX * * * * XXXX  XXXX * * * * XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX XXXX * * * * XXXX  XXXX XXXX * * * XXXX XXXX XXXX * * * * XXXX XXXX XXXX * * * * XXXX XXXX  XXXX/ XXXX  XXXX * * * * XXXX XXXX XXXX/ XX/XX/XXXXXXXX * * * * XXXX XXXX XXXX/ XXXX  XXXX * * * * XXXX XXXX XXXX XXXX * *. Transunion was given 'adequate notice ' per a precedent decision that was passed down via judicial ruling of a United States XXXX XXXX XXXX XXXX XXXX which decision rested as Transunion being a 'financial institution ' and is therefore subject to its rulemaking authority under XXXX XXXX XXXX ( a ) ( XXXX ). See Transunion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. 2002 ). id XXXX. Transunion was provided an exhibit copy of such precedent ruling in which to know that Transunion is a " financial institution '' and that Transunion has a statutory obligation to comply therewith pursuant to financial institutions actions rendered before consumers. Transunion was also given and provided such an exhibit of the appropriate direct authority of XXXX XXXX Code XXXX ( a ) ( b ) ( XXXX ) ( A ) ( B ) ( C ). These exhibits were both provided as an attachment of the initial complaint / adequate notice that is also provided as an attachment provided before this CFPB complaint. Transunion was also provided adequate notice as to being under the Gramm-Leach-Bliley Act GLBA and was provided the federal statute in which is instructed before financial institutions intoprotecting the privacy of consumers ' personal financial information.Title V, subtitle A, of this Act ( XXXX XXXX XXXX et seq. ). See attached documentation to CFPB complaint. The consumer also exhibited the attachment that is provided for review of this CFPB complaint before Transunion as to the reflection of credit reporting agency XXXX  XXXX XXXX  of accounts mentioned, XXXX, that were provided within Transunion accounts being reflected within other credit reporting agencies in which demonstrated Transunion taking on roles as a credit reporting agency by having reported the consumers nonpublic personal information to nonaffiliated third parties. See Attachment of XXXX  XXXX XXXX  reports as attachment to CFPB report. 
Transunion was given 30 days in which to present the consumer such documentations or the actual correspondences per each individual account 's aforementioned supra that was provided before the consumer via in writing or in electronic form or other form permitted by the regulations prescribed under XXXX XXXX Code XXXX compilable with XXXX XXXX Code XXXX ( a ) ( b ) ( XXXX ) ( A ) ( B ) ( C ) in which to give the consumer an opportunity to opt out to disclose [ ing ] any nonpublic personal information to any nonaffiliated third parties. Transunion was also instructed that upon such acquiescence to not present such documentations/ correspondences, that Transunion would thereby be in admittance of being a financial institution known under judicial precedent administered and would agree that such compliance was not rendered before the consumer.

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