Consumer complaint received 2017-02-13
Company: DISCOVER BANK
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Good afternoon I thank you for responding back to my complaint inference to discover account XXXX XXXX I would Like to ask you per The FCRA XXXX ( A ) ( XXXX ) ( A ) AND sECTION XXXX ( A ) ( XXXX ) ( A ) Per the the FCRA I have the right to ask for a copy of the application with My Signed Signature attached It 's a federal Law also If you could provide The cfpb a copy of this document If you are unable to Provide this Information I urge to to remove this account from my credit file XXXX. Disclosures to consumers XXXX XXXX XXXX. XXXX ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumer 's file at the time of the request except that -- ( XXXX ) if the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and XXXX - XXXX U.S.C. XXXX XXXX the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 
( XXXX ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 
( XXXX ) ( A ) Identification of each person ( including each end-user identified under section XXXX XXXX XXXX ) ( XXXX ) [ XXXX ] ) that procured a consumer report ( i ) for employment purposes, during the XXXX period preceding the date on which the request is made ; or XXXX ii ) for any other purpose, during the XXXX period preceding the date on which the request is made. 
XXXX XXXX XXXX XXXX identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and XXXX ii ) upon request of the consumer, the address and telephone number of the person. 
( C ) Subparagraph ( A ) does not apply if - ( i ) the end user is an agency or department of the United States Government that procures the report from the person for purposes of determining the eligibility of the consumer to whom the report relates to receive access or continued access to classified information ( as defined in section XXXX ( b ) ( XXXX ) ( XXXX ) ( i ) ) ; and ( XXXX ) the head of the agency or department makes a written finding as prescribed under section XXXX ( b ) ( XXXX ) ( A

Company response to consumer: Closed with explanation