Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They sold my debt information to a third party who solicited me night and day for a, " LOAN THAT I HAD APPLIED FOR AND THEY JUST HAVE TO GET SOME LAST MINUTE DETAILS TO GET THE LOAN APPLICATION FINISHED. '' I have NEVER applied for a loan. I Finally got a guy on the phone who admitted to me that, " TransUnion Sold Them My Debt Information because you have more than {$10000.00} in debt so we can offer you a loan. '' They sold my personal information without my consent knowing that I have my account flagged and on a freeze for identity theft. 

It is bad enough that these companies have an outsourced customer service center and the first thing they ask for is your social security number, but you have XXXX control that they LEGALLY COLLECT YOUR INFORMATION AND THEN THEY SELL YOUR INFORMATION TO ANYONE WHO WILL PAY. EVEN WITH YOUR ACCOUNT FLAGGED AND ON A FREEZE. 

THE PEOPLE WHO CALL ME ARE TRYING TO SCAM ME RIGHT OUT OF THE SHOOT. LIKE I WON'T REMEMBER THAT I DID NOT APPLY FOR A LOAN! SCAMMERS! TRANSUNION ARE SCAMMERS! THE PEOPLE THEY SELL YOUR INFORMATION TO WITHOUT YOUR CONSENT!!!!!!! ARE SCAMMERS! 

THE CONSUMER SHOULD NOT HAVE TO OPT OUT OF ANYONE COLLECTING YOUR CREDIT AND PERSONAL INFORMATION FROM BEING SOLD WHEN YOU DID NOT GIVE THEM CONSENT. THAT SHOULD BE ILLEGAL, PERIOD! 

IF ANYONE IN THIS WORLD WANTS THEIR INFORMATION SOLD THEN THEY CAN OPT IN. NOT THE OTHER WAY AROUND! 

TRANSUNION SOLD MY INFO TO SCAMMERS WHO CALL ME DAY AND NIGHT AND TRY TO TRICK ME INTO GIVING THEM MY INFORMATION! BEST LOAN SOLUTIONS, CALL ME AND TELL ME " THEY JUST NEED TO COLLECT A LITTLE MORE INFORMATION AND MY LOAN APPLICATION WILL BE COMPLETE '' when I have never applied for a loan. I have been dealing with this for a very long time. I finally called them back every second, tying up their line, calling over and over again going through their entire employee list, and I did not stop until someone was so mad they screamed at me admitting where they got the information and why they were calling. THIS TYPE OF PRACTICE OF CREDIT REPORTING AGENCIES LEGALLY SELLING YOUR DEBT AND PERSONAL INFORMATION NEEDS TO STOP! That is the resolution that needs to happen. IT NEEDS TO BE ILLEGAL UNLESS THEY FIRST HAVE CONSENT TO DO SO, NOT THE OTHER WAY AROUND. 

THEY ARE THE PROBLEM WITH THE IDENTITY THEFT ISSUE WE HAVE TODAY. THAT AND THE FACT THEY OUTSOURCE THEIR CUSTOMER SERVICE TO ANYONE AROUND THE WORLD AND YOU LITERALLY CAN HEAR CHICKENS AND ROOSTERS IN THE BACKGROUND WHEN THEY ASK FOR YOUR SOCIAL SECURITY NUMBER, needs to stop. 

I FEEL VERY VIOLATED BY TRANSUNION. THIS IS ABSOLUTELY ABSURD. The standards of practice need to change. OPT IN for solicitations. No One should have to OPT OUT of their debt information and personal information being sold. When someone has had an identity theft and asks to have their report flagged permanently and all accounts on a permanent freeze, this should include a permanent OPTing OUT of your personal information being sold. I am so sick of this. I feel very violated. This rebuilding after my ID theft had been hard. I could not even get into my credit for XXXX years because the IRS had a block on me. I am where I need to be and the people we are supposed to trust, that are LEGALLY allowed to practice as a credit reporting agency, they do XXXX like this? OUTSOURCED customer service so you have someone halfway around the world asking for your social when you call in needs to stop. The fact you have to opt out of your info being sold has to stop. Permanent freezes and permanent flags for ID theft should include the not selling of your personal information without your explicit consent. Removing a freeze to allow for your credit to be pulled by that company is how you give consent. After a time the freeze should go right back on. This is not rocket science, but it is about people lively hoods. How can we trust these companies. This is too much. Legally they should be shut down.

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