Consumer complaint received 2023-12-08
Company: DISCOVER BANK
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Demand for Removal of Inaccurate Collection Account and Compensation Pursuant to FCRA Violations Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is [ instructed do not include ] and I am writing to bring to your attention a critical matter regarding potential Fraud, identity theft, securities fraud, Conspiracy, Trustee violations due to lack of disclosure, tax invasion, Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Racketeering and other erroneous crimes from the way these companies are doing business '. an inaccurate collection account on my credit report, which has been reported by this company. I am seeking its immediate removal and compensation for the time and effort invested in disputing this erroneous entry.

The account in question has been listed without my consent, and I want to emphasize that I have no contractual relationship with any of these entities, corporations. They have not only sold and traded accounts yet discharged and claimed funds as abandonment which is not the case because of lack of disclosure. they have not reported the sold accounts to the IRS in benefit of the Beneficiary and they have allowed 3rd party debit collectors to use their name to enforce trauma. I have not provided any authorization for the use of my name, likeness, or credit data, making the presence of this collection account a direct violation of my rights. I am the consumer and a victim of fraud and identity theft, due to non-full disclosure using and selling my personal information and securities, promissory notes, and other instruments for their personal gains to no gain of me the only authorized Beneficiary. over 2 years i have personally reached out and also asked credit repairing agents to address this matter. I need the credit bureau to mail me all of those correspondence letters received from the credit repair companies.

This collection account is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in Section 607 ( a ) ( 1 ) and ( 2 ). The FCRA mandates that credit reporting agencies, such as XXXX, ensure the accuracy, completeness, and timeliness of the information they report. Moreover, Section 615 ( a ) ( 1 ) prohibits any person from furnishing inaccurate information to consumer reporting agencies.

Section 621 of the FCRA further imposes liability on any person who willfully fails to comply with the requirements of the FCRA, making them liable to the consumer for damages.

Furthermore, this situation is a blatant violation of 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j. These sections underscore the obligation of credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported.

The collection account 's fraudulent acquisition and sale also contravene the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which expressly prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate.

Moreover, these actions breach federal laws, such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ), by engaging in deceptive and fraudulent practices.

I kindly request that the Consumer Financial Protection Bureau immediately investigates this matter and takes necessary action to compel the removal of the illegal collection account from my credit report. Additionally, I seek compensation for the time and effort expended in disputing this inaccurate information.

Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this issue.

they knowingly or unknowingly Committed securities fraud... all consumer debts should be discharged and paid by the treasury HJR 192 is the insurance policy that protects the legislators from conviction for fraud and treason against the American people. It also protects the American people from damages caused by the actions of the United States I hope this letter finds you well. I am writing to address a matter of great concern regarding my account with your institution. Over the past two years, I have been attempting to resolve issues through various communications, but unfortunately, satisfactory resolutions have not been achieved. This notice aims to draw your attention to specific facts and concerns that point to potential legal violations, including a violation of the Privacy Act of 1974 and the Indenture Trustee Act.

Potential Fraud : Assertion : Unverified information has been associated with my account, constituting potential fraud.

Supporting Fact : Recorded credit scores, acquired without proper authorization, indicate actions that may amount to identity theft and securities fraud.

Identity Theft : Assertion : The acquisition and use of my credit information without proper authorization may amount to identity theft.

Supporting Fact : Unauthorized hard and soft inquiries, as well as the trading of private information, raise serious concerns.

Tax Evasion : Assertion : Mishandling of financial transactions may raise questions about tax evasion.

Supporting Fact : Immediate return of securities bonds, USD principal, interest, and associated terms is demanded for proper rectification.

Defamation of Character : Assertion : Your institution 's activities have adversely affected my good name, causing harm to my personal and professional life.

Supporting Fact : Denial of loans and investment opportunities due to adverse credit impact is a tangible consequence.

Conspiracy Against Individual : Assertion : The mishandling of my account, intentional or not, may constitute a conspiracy against me.

Supporting Fact : Ongoing discrepancies and lack of resolution despite diligent attempts indicate potential collusion or neglect.

Violation of Consumer Rights : Assertion : As a consumer and account holder, I am entitled to accurate handling of my account information in compliance with federal law.

Supporting Fact : Numerous attempts to resolve issues over the past two years have not yielded satisfactory results.

Extortion : Assertion : Attempts to commit securities fraud, extortion, omission, or identity theft are unacceptable.

Supporting Fact : Cease and desist instructions are issued to stop such activities immediately.

Privacy Act of 1974 Violation : Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974.

Supporting Fact : Unauthorized use of credit information and failure to comply with fair information practices indicate potential Privacy Act violations.

Indenture Trustee Act Violation : Assertion : Your institution 's actions may be in violation of the Indenture Trustee Act.

Supporting Fact : Improper disclosure or no disclosure of pertinent information regarding my account status and transactions may constitute a breach of trustee obligations.

Egregious Business Practices : To verify the facts in the preceding paragraphs, see ( 5 U.S.C. 903, 12 U.S.C. 95, 18 U.S.C.A. 914, 22 U.S.C. 263, 285, 286, 287, 288. Public Law 89-719, Public Law 94-564, Public Law 101-167, Public Law 91-151 Public Law 103-465, House Report 103-826 T.D.O 150-10, T.D.O. 92, 41 Stat. Chap 214 pg. 654, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief