Consumer complaint received 2024-03-02 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: MN

Complaint narrative:
As per section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is stated that There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Transunion serve as consumer reporting agencies, and as a consumer, I hold the authority to safeguard my personal information from being shared. This right is protected by the 15 USC 6801 statute " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " According to section 604 ( a ) ( 2 ) of the 15 USC 1681,. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX a financial institution is defined under that title " 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. '' XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DEPARTMENT OF EDUCATION, XXXX XXXX XXXX XXXX The financial institution and the credit bureaus XXXX, TransUnion, and XXXX are not authorized to provide this information, as they did not have my written consent. Any and all consent to XXXX, XXXX, TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX I was never notified about my entitlement to exercise my nondisclosure choice. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts has been reported as a adverse item again without my authorization, which is a violation of the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, TransUnion, and XXXX are failing to uphold adequate procedures. 
Family and educational privacy act of 1974, '' No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. ''

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