Consumer complaint received 2023-09-16
Company: DISCOVER BANK
State: FL
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

Complaint:
Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Regarding : Your Correspondence NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I, a living man, in body, mind, and spirit, hereby address your recent correspondence concerning an alleged debt account. I conditionally accept said claim upon proper verification, noting a fact that you do not possess my legal God given signature, autograph, or a specific contract with me. This alleged contract you have stored is void as you read this sentence. You have no jurisdiction over me, I demand that you stop your annoying efforts trying to collect this alleged debt from me and stop transferring my private data now. The most high lives in me, I am not playing games with you. In order to validate the alleged debt fully, I require Discover Financial Services to provide the following immediately. 1. A valid, legally binding contract, signed by all parties involved, demonstrating bilateral consent. I assert that I am not required to pay the alleged debt, as I can not, in any way, shape, or form, be compelled to do so due to my status and equality as the child of the Most High. The use of the term " alleged '' is, in fact, heresy, and your continued efforts to collect this debt are deeply disrespectful to the Creator. This is not a soft request but a demand to cease all debt collection activities against us. It is indeed your choice if you do decide to be ignorant to the words that I express to you. 2. A true and certified copy of the complete audit trail of the account, including proof of the alleged loss and who my data was transferred to. I emphasize that this demand is not a mere plea but a command to halt your illegal activities. Our status is non contractable with anyone we choose, and I even retain the power to uncontract with the Most High if I so decide. 3. Audit certification of the debt entry in accordance with Generally Accepted Accounting Practice ( G.A.A.P. ), International Financial Reporting Standards ( I.F.R.S. ), the Basel III accord, and the United Nations Commission on International Trade Law ( UNCITRAL ) conventions. I will not tolerate further disrespect, and we will spend the necessary time sending a non-negotiable invoice with a demand for remedy according to the law. 4. A copy of your Tax Registration certificate. Failure to substantiate said claim within thirty ( 30 ) days of recorded delivery of this Notice shall constitute legal/lawful Accord and Satisfaction, settling and closing all alleged claims. In this event, we reserve the right to charge damages against Discover Financial Services, in their private capacity, under their full commercial liability, for any unverified claims presented thereafter regarding this matter. We wish to remind Discover Financial Services that the burden of proof always lies on the claimant. I stand firmly in my capacity as a powerful man created by God, and I demand that any actions taken by Discover Financial Services be in full accordance with the law. 
Note : This is the last time I will send a message requesting a soft resolution for you to stop your illegal debt collection practices. God himself will send another demand for remedy if you choose to violate me as a living man of God, any further. change the status of the reporting immediately. It is essential to establish that this account has no legally binding contract bearing my legal signature or autograph, and therefore, no valid agreement exists between me and Discover Financial Services. I have found it disconcerting that despite the clear absence of such a contract, your organization persists in its attempts to collect on this alleged debt, which I view disrespectful, and holds particular weight in matters of living individuals and their unalienable rights. The absence of a valid, legally binding contract, as well as the failure to provide proper legal verification of this debt, leaves me clear with no obligation to make any payment. I want to make it abundantly clear that my status and equality as a creation of the Most High make it impossible for me to be compelled to pay this alleged debt. In light of these obvious facts, I consider this letter as the final and unequivocal attempt to resolve this matter amicably and within the bounds of the law. Failure to cease your illegal debt collection practices will result in another submission of a non-negotiable invoice for remedy according to the law. It is important to understand that this matter is now legally/lawfully closed and properly settled. Furthermore, Discover Financial Services or any of its agents, principals, or assigns, by their failure to comply, have tacitly agreed to the terms and conditions outlined below : 1. That the alleged debt is not obligated to any party, or has been settled in full. 2. That Discover Financial Services or any of its agents, principals, or assigns shall be held culpable for any damages I suffer, in their private capacity, under their full commercial liability. 3. That any negative remarks related to this matter on my credit report shall be promptly removed.

4. That this matter is considered permanently closed. 5. That no debt has been proven, and if Discover Financial Services or any of its agents, principals, or assigns sell the alleged liability again, they shall be deemed to have breached this agreement and shall agree to the terms of the Fee Schedule attached. Please be aware that these terms represent a legally binding agreement, and any failure to comply will result in further action. This issue is now considered resolved, and I expect full and prompt compliance with the conditions outlined herein. Any further communication from Discover Financial Services should pertain solely to confirming your compliance with these terms. 
Sincerely, [ XXXX ] 'Without Prejudice UCC 1-308 ' ]

Company response to consumer: Closed with explanation