Consumer complaint received 2023-12-14
Company: DISCOVER BANK
State: NJ
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:
According to15 U.S. Code 1681a -Definitions ; rules of construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transaction history and utilization is illegal.Discover Bank, and XXXX XXXX XXXX have been reporting my transaction history since the opening of each account, to the credit agencies XXXX, XXXX, and XXXX, who then have been providing that information to everyone who has run my credit which is a violation of the FCRA. Please remove any reports of transaction/ utilization history from the credit reporting agencies, XXXX XXXX XXXX, and XXXX and update the report to reflect all accounts paid as agreed from this day forward.Discover Bank, and XXXX XXXX XXXX , are all in violation for sharing this information. The Fair Credit Reporting Act 15 USC 1681 section 602 statesthat '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Discover Bank, XXXX XXXX XXXX ( the financial institutions ) and the consumer reporting agencies, XXXX, XXXX and XXXX do not have my consent to furnish this information. I as the consumer have the right to make sure my private information isn't shared which is backed by15 USC 6801whichstates " 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.Discover Bank and XXXX XXXX XXXX are financial institutions under that title.15 USC 1681 section 604 a section 2statesthat " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' Discover Bank, XXXX XXXX XXXX, XXXX, XXXX, and XXXX do not have my written consent to furnish this information via written or verbal consent. All consent to Discover Bank, XXXXXXXX XXXX XXXX, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. Discover Bank, XXXXXXXX XXXX XXXX, XXXX, XXXX and XXXX do not maintain reasonable procedures. All transaction history/ utilization are to be removed from the report and to no longer be reported. The reporting from the financial institutions Discover Bank and XXXXXXXX XXXX XXXX on my report from here on out should be reported as Paid as agreed.

Company response to consumer: Closed with explanation