Product: Credit reporting or other personal consumer reports

Its is I XXXX XXXX submitting this complaint to the cfpb. Not a third party or credit repair company. Please accept this complaint in consideration that a letter was sent to my residence believing it was a third party acting on my behalf which is under false pretense. Thank you! 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Legal Notice of Rights Violation Due to Fraudulent Account Mismanagement Dear XXXX XXXX and XXXX XXXX, I am writing to formally notify you of a serious matter involving Discover Bank that I believe constitutes a violation of my rights, as well as a breach of the ethical and legal obligations outlined in your Code of Conduct and Business Ethics. This matter pertains to Discover Banks mishandling of fraudulent accounts and failure to adhere to federal and state laws concerning fraud prevention, investigation, and resolution. Negative Account Details Creditor Name : Discover Bank Account Number : XXXX Balance : {$200.00} ( secured account ) Date Opened : XX/XX/XXXX Shows on account : Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. Discover Financial Services expressly commits to upholding laws and ethical standards addressing fraud, theft, anti-corruption, and related offenses. Furthermore, your Code of Conduct emphasizes that any improper acts, including fraud, are treated as misconduct subject to strict consequences, and allegations must be thoroughly investigated and appropriately addressed. Unfortunately, my experience demonstrates Discover Banks failure to meet these standards. Specifically, Discover Bank has violated my rights through, allowing the unauthorized opening of a fraudulent account in my name, ignoring repeated notifications of fraudulent activity on my account, or negligently handling my reports of fraud, resulting in financial harm and reputational damage ]. Despite multiple attempts to resolve this matter through your internal channels, I have received no satisfactory resolution, which has only compounded my financial and emotional distress. This lack of action represents a clear violation of your organizations stated responsibilities and my legal rights as a consumer. Discover Bank has failed to : 1. Adequately investigate and address fraudulent activities related to my accounts. 2. Protect my personal and financial information, as required by applicable laws. 3. Uphold the ethical and legal standards set forth in the Code of Conduct and Business Ethics. Due to this negligence and misconduct, I am prepared to pursue legal action against Discover Bank for the violation of my rights, financial losses incurred, and the undue stress this matter has caused me. This letter serves as a formal notice of my intent to hold Discover Bank accountable for its actions. I am demanding the following : 1. An immediate and thorough investigation into the fraudulent activity and Discover Banks response to my reports. 2. Full resolution of the fraudulent account ( s ) and restitution for any financial losses incurred. 3. Assurance that Discover Bank will implement measures to prevent similar violations in the future. If this matter is not resolved promptly and satisfactorily, I will escalate this issue through legal channels, including filing a lawsuit and reporting this matter to regulatory authorities such as the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) RE : Formal Demand for Issuance of 1099-C and Compliance with FCRA Section 605B This letter serves as formal notice of my intent to escalate legal action if the following demands regarding the negative account listed below are not addressed immediately and fully in compliance with federal law. Negative Account Details Creditor Name : Discover Bank Account Number : XXXX Balance : {$200.00} ( secured account ) Date Opened : XX/XX/XXXX Shows on account : Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. The above-referenced account has been the subject of multiple disputes with both Discover Bank and XXXX. This account is inaccurate, unverifiable, and must be handled according to the applicable laws under the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code Section 6050P. Furthermore, under FCRA Section 605B, I submitted notice that this account was the result of fraud or unauthorized activity. Section 605B mandates that consumer reporting agencies and furnishers of information must block the reporting of information that results from identity theft or fraud upon proper notice. Despite this, no action has been taken to block or remove this account, a clear violation of federal law. Legal Basis for My Demands 1. FCRA Section 605B Blocking Fraudulent Accounts : Section 605B requires that furnishers and credit reporting agencies block fraudulent information within 4 business days upon receiving proper notice. I have already provided sufficient evidence demonstrating that this account was unauthorized, yet the account remains on my credit report. 2. Verification Requirements under FCRA : Any item reported to credit bureaus must be accurate, complete, and verifiable. Discover Bank has failed to provide the original signed ( wet ink ) agreement or any other evidence to support the legitimacy of this account. XXXX. Issuance of 1099-C under Section 6050P : Under IRS Section 6050P, creditors are required to issue a 1099-C when canceling or charging off debts of {$600.00} or more. While this account falls below that threshold, Discover Banks lack of transparency regarding its resolution or cancellation status creates ambiguity about its reporting obligations. Demands To resolve this matter and avoid further legal action, I demand the following actions be completed within 10 business days : 1. Immediate Issuance of 1099-C ( if applicable ) : Provide a Form 1099-C for this account if it has been charged off or forgiven. Confirm that the account is no longer actively collected or reported as delinquent. 2. Complete Blocking of the Fraudulent Account under FCRA Section 605B : Block the Discover Bank account referenced above from all credit reporting agencies, including XXXX, as it is the result of fraud and unauthorized activity. Confirm in writing that the account has been blocked and will not reappear on my credit report. 3. Verification Documentation : Provide all documentation used to verify the accuracy and legitimacy of this account, including the original signed ( wet ink ) agreement, date of establishment, and charge-off balance. If no such documentation exists, remove the account immediately from all reporting agencies. 4. Correction of Address Manipulation : Ensure that my address and personal information are accurate and have not been altered or manipulated in connection with this account. Notice of Intent to Sue If these demands are not met within 4 business days, I will take the following actions on XX/XX/XXXX : XXXX. File a lawsuit against Discover Bank, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discover Bank and all relevant board members for violating my consumer rights and neglecting my disputes for over four years. The lawsuit will seek damages for noncompliance with the FCRA, the harm caused to my financial reputation, and negligence in resolving this matter. 2. Publicize Discover Banks Negligence : I will share my experience on social media platforms and other public forums to make it known how XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Discover Bank of Discover Bank have failed to comply with federal law and have ignored my valid disputes for an extended period. This correspondence constitutes my final attempt to resolve this matter outside of litigation. Any further delays or failures to act will compel me to proceed with these actions. Final Notice All communication regarding this matter must be sent in writing to the address provided above. Failure to respond adequately will result in immediate legal action. Sincerely, XXXX XXXX