Consumer complaint received 2024-01-26 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: FL

Complaint narrative:
I XXXX XXXX am reaching out to express the violations I have faced at the hands of the credit reporting agencies. 
" Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 ( a ), it is imperative that consumer reporting agencies, including XXXX, XXXX, and TransUnion, uphold their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which underscores the Congressional policy that financial institutions, including furnishers of information to credit agencies, must continuously respect customer privacy.

In alignment with 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only with the explicit, written instructions of the concerned consumer. I declare that XXXX, XXXX, TransUnion, and the furnisher of information to credit agencies do not possess my consent to provide this information, and I explicitly revoke any form of consent, whether verbal, non-verbal, written, implied, or otherwise. 
Referring to 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer of their right to exercise nondisclosure. However, the furnishers of information to credit agencies failed to apprise me of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) stipulates that no consumer reporting agency may include adverse information in a consumer report without authorization. The reporting of adverse information without my permission violates the law. 
Financial institutions such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fall under this definition. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. In this case, neither Transunion, XXXX, nor XXXX has my consent, be it verbal, non-verbal, written, implied, or otherwise, to furnish this information. 
In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), it is prohibited to furnish inaccurate information to a consumer reporting agency. XXXX, XXXX, and TransUnion are in violation of this provision. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations of FCRA sections and limit the furnishing of consumer reports to specified purposes. The lack of reasonable procedures by XXXX, XXXX, and TransUnion is evident. 

Lastly, as outlined in 12 CFR 1016.7, I assert my right to opt out of the reporting services of XXXX, XXXX, and TransUnion at any time. Therefore, I am officially opting out of the reporting services provided by these three consumer reporting agencies. '' Please see my attached credit reports for the violations.

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