Consumer complaint received 2018-05-09
Company: DISCOVER BANK
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Please note that since my last submissions to the CFPB the following issues below have occurred and are documented via letters below sent to Discover and XXXX drastic lowering of my credit score by 75 points after the XX/XX/XXXX letter was sent to Discover. Based on the current issues, I would request that the CFPB initiate a fine to both Discover and XXXX in the amount of XXXX XXXX ( {>= $1,000,000} ) dollars each. Both Discover and XXXX have acted with similar intent as XXXX XXXX ( {>= $1,000,000} implemented by the CFPB ) which created violations of laws, rule and regulations that were illegal, unethical, or not correct within an organization actions. There appears to be activities within the financial community that are based on greed vs. ethics, laws, rules and regulations. Further, I consider this complaint to be protected under the Whistleblower Protection Act as the conduct on behalf of Discover and XXXX is illegal, unethical, or not correct within an organization. Lastly, I have been included in the XXXX data breach based on my continual efforts to dispute the Discover matter. I have occurred damages in insurance premiums being doubled, lose of a home loan and other credit issues. 

XXXX XXXX XXXX Discover XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Attn : XXXX   XXXX Re : Discover Card account ending in : XXXX XX/XX/XXXX I have received a letter/package from you asking for payment for a FRAUDULENT account and if I am telling you to stop reporting it as disputed. The attached letter to XXXX XXXX XXXX, XXXX, adequately explains my position on this matter. Further, XXXX will not show or report your fraudulent claim and since notifying XXXX XXXX XXXX, XXXX, XXXX has increased by credit score by over 58 points and XXXX over 75 points at one time. Based on the above, I believe you will not be able to provide evidence to the court ( s ) that would relieve your liability for FRAUD, EXTORTION, BULLYING and most likely HARASSMENT. 

Based on your previous actions, asking you to stop reporting it as disputed, would be a wasted effort, as damages have already occurred. 

Best regards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, XXXX XXXX Re : Your File No.XXXX XX/XX/XXXX Please be advised that since my last communication with your office on XX/XX/XXXX ( see below in RED ), I have requested an investigation into extortion against Discover through the Consumer Financial Protection Bureau ( CFPB ). Currently the CFPB has closed the case and referred it to the Federal Trade Commission for federal and state law enforcement action. I am still awaiting the results of law enforcements investigation, however I still have time under the statue of limitations to file a civil complaint. I still maintain an address in XXXX, however that address is not listed on any of the statements or consumer agreement pamphlet in the recent package received on XX/XX/XXXX. On some of the statements the address is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, this should be sufficient evidence of a fraudulent issue. Please note the information package recently received was requested in the CFPB complaint with both XXXX and XXXX   filed around 6 months ago. In addition to my request for an extortion investigation, I made a request under the Fair Credit Reporting Act ( FCRA ) for an executed contract between Discover and myself. That was never provided in my earlier requests, and in the recent package sent I only see statements and a consumer agreement pamphlet, not executed anywhere. Why was this information sent to me now via your company, verses complying with the XXXX and XXXX   complaint to the CFPB? Further, XXXX stated the request for an executed application/agreement was not specific, however Discover is now attempting to comply with the request in the CFPB complaint, with non-executed information and fraudulent statements. 

I consider your continual collection activities conspiring with Discover on this matter and if you conspire and drive the robbers to the bank, the only difference is the amount of time in prison. 

XX/XX/XXXX Please be advised that the above file No. XXXX and account with Discover Bank is on its third dispute with the Credit Reporting Agencies ( currently XXXX ). Based on the dispute and the fraud alerts on all three ( 3 ) Credit Reporting Agencies, your current collection activities are in violation of the FCRA. 

Failure of Discover Bank to remove this account from my credit file will be addressed with the FCRA. 

Best regards : XXXX XXXX Past CFPB complaint ID : XXXX/Discover XXXX XXXX/Discover XXXX

Company response to consumer: Closed with explanation