Consumer complaint received 2023-10-23
Company: DISCOVER BANK
State: LA
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 to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX states " 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. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states It is the policy of the XXXX 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, XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX a financial institution XXXX definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states, " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Discover Bank, XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX financial institution and XXXX Consumer reporting agencies XXXX, XXXX, and XXXX XXXX not have my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX, XXXX, XXXX, ( Discover Bank, XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX it be verbal XXXX non-verbal, written, implied, or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX 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. '' ( Discover Bank, XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX, LOUISIANA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NR/SMS/CAL ) XXXX never XXXX XXXX XXXX my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency XXXX also 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 XXXX years. '' This account is an adverse item they are reporting again without my permission, which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) 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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation