Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (MI)

Discover is in violation of multiple laws concerning account ending in XXXX. According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does not include information solely about transactions or experiences, such as payment history or charge-off status, between the consumer and the entity reporting, in this case, Discover. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that a person ( Discover ) shall not furnish information to any consumer reporting agency ( XXXX, XXXX, XXXX ) if they know or have reasonable cause to believe the information is inaccurate. Discover can not collect on a discharged debt, as it is considered a certificate of indebtedness by the IRS, and this income can not be reported on a consumer report. The IRS defines a charge-off as gross or ordinary income, which should not appear on a consumer report, making the reporting of this account as a debt inaccurate. 

I never received a 1099-C from Discover for the canceled debt of {$1600.00} to file as ordinary income. Where is my 1099-C? Discover is clearly writing off debt with the IRS without sending the required 1099-C for debts greater than {$600.00}. This is unsatisfactory! Discover is hereby put on notice for furnishing incorrect and inaccurate information. Moreover, Discover 's terms and conditions state they will not share my information with non-affiliates. The credit bureaus ( XXXX, XXXX, XXXX ) are not affiliates of Discover, nor are they true " bureaus. '' The only true credit bureau is the CFPB, which does not furnish consumer reports per federal law. 

On account of this information, I directly dispute the completeness and/or accuracy of the information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional, negligent, and defamatory FCRA violation causing significant damage to my creditworthiness and undermining my overall financial standing. 

As a result of your conduct as described above, you shall either modify or delete the disputed information. Additionally, as per the FCRA, you are liable for damages for your conduct. Therefore, in addition to your modification or deletion of the disputed information, you are demanded to send a check payable to the order of XXXX XXXX in the minimum amount of {$1000.00} per violation that is listed below : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As a federally protected consumer, I am now revoking any and all authorization I may have given you, written, non-written, verbal, and non-verbal, per the Privacy Act of 1974 ( 5 U.S. Code 552a ) and 15 USC 6802. Furthermore, under 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( i ), it is your duty as a furnisher of information to provide accurate information. You are prohibited from reporting information after notice and confirmation of errors. You shall not furnish information to any consumer reporting agency if you have been notified by the consumer of any errors.