Consumer complaint received 2023-08-09
Company: DISCOVER BANK
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I order my credit report. On my report its showed that the amount due on both accounts were charged off. A charge off is synonymous to a certificate of indebtedness & the IRS manual considers a charge off/ COI income & income can not be reported on a consumer report. I also never received any 1099-c form as a receipt for the cancelation of that debt. I contacted Discover Financial Service Customer Service multiple times over several days. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting. This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. 15 U.S.Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1666b. A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. Both of my accounts displays clear VIOLATIONS of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), Except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. Therefore, I request that my TRANSACTION between Myself and DISCOVER, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! They're in DIRECT violation of 15 U.S. Code 6801 - Protection of nonpublic personal information Specifically this subsection 15 U.S. Code 6801 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. 
- ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Discovers privacy policy Specifically says they can not share information on credit worthiness. They have been reporting 13 months worth of credit worthiness information unlawfully without my written or verbal consent for account ending in ( XXXX ) and reporting 29 months worth of credit worthiness information unlawfully without my written or verbal consent For account ending in ( XXXX ). That's grounds for an {$13000.00} pay out for account ending in ( XXXX ) & a {$29000.00} pay out for account ending in ( XXXX ) according to 15 U.S. Code 1681 ( n ), which allows for { {$1000.00} } per violation. YOU ARE IN VIOLATION OF EVERY CODE IVE IDENTIFIED. Every discrepancy mentioned herein is also a violation of the privacy act of 1974.

Company response to consumer: Closed with non-monetary relief