Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

Thank you for reading my formal request with Discover Bank. I am formally writing today because I noticed after pulling my consumer report and doing my quarterly review that this account # XXXX was charged off by Discover bank. I am requesting that your company please forward me a copy of the 1099c filed by Discover Bank when you charged this debt off with the IRS, which is required by law for all debts over {$600.00}. Please also include a printed copy of my payment history and including all information pertaining to accounts receivables and accounts payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The furnishing of this inaccurate information on my consumer reports has caused numerous acts of injury on my well-being, lively hood, and reputation, XXXX  XXXX XXXXXXXX, Its affecting my ability to obtain proper housing and obtain any new credit. 

Discover Bank is in clear Violation of the law and my consumer rights by reporting inaccurate information such as reporting any payment activity after the initial filing of the 1099c charge off to the IRS. On my credit report it shows charge off ( CO ) for payment history for every month after Discover bank charged off the debt XX/XX/2020 according to Discover Bank, which then became taxable Income at that point according to the IRS. I refuse to make any payments on this account, because there has already been a cancellation of the debt. This is not a debt, but continues to be reported as such on a my consumer report but when its actually ordinary income according to the IRS and should not be reported. 


15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Discover Bank is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( ), the term " consumer report '' does not include.

( A ) Subject to section 1681s-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.