Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8067703
Complaint Overview
Complaint ID: 8067703
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: North Carolina
ZIP Code: 289XX
Date Received: 2023-12-27T12:00:00-05:00
Date Sent to Company: 2023-12-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On the XXXX of XXXX, 2023, via Certified Mail Receipt number XXXX, I dispatched a written correspondence to TRANSUNION, explicitly requesting the provision of an Affidavit of facts and documentary evidence. The communication sought clarification regarding the authenticity and verification of the disputed transactions and accounts. In the absence of a substantive response, indicating a failure on TRANSUNION 's part to take appropriate action, the requested measures to rectify the contested items were not implemented. At this time, I am exercising my rights. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' TRANSUNION functions as a consumer reporting agency, and as the consumer, I retain the right to ensure the confidentiality of my private information. This right is substantiated by 15 USC 6801 which states " 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. '' XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and every company listed in the inquiries section of my consumer report by definition under the relevant title, are identified as financial institutions. According to 15 USC 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency is authorized to furnish a consumer report only under specific circumstances, specifically when it aligns with the written instructions provided by the respective consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and every company listed in the inquiries section of my consumer report, the financial institutions and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and every company listed in the inquiries section of my consumer report 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and every company listed in the inquiries section of my consumer report never apprised me of my entitlement to exercise the nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that " 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 and inquiries ( # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and all inquiries ) are adverse items, they are reporting again without my permission which is against 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. TRANSUNION is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Frequently Asked Questions
What is Complaint #8067703 about?
Complaint #8067703 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-12-27T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.