Consumer complaint received 2024-01-04
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 (OK)

My original complaint can be referenced to complaint ID XXXX. My response to there response is here. 

I trust this message finds you well, and I appreciate your swift response to my recent communication with the Consumer Financial Protection Bureau ( CFPB ). After carefully reviewing the information provided regarding my Discover card account ending in XXXX, it is evident that there are ongoing concerns that require further attention. 
As explicitly stated in my correspondence dated XX/XX/XXXX, I exercised my right to opt out and unequivocally revoked any authorization for the reporting of my personal non-public information to credit reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). This opt-out request was unmistakably communicated in the letter I sent on that date. 
While I acknowledge that Discover card updated my account preferences as of XX/XX/XXXX, reflecting my request not to share information with third parties and corporate affiliates for marketing purposes, it is crucial to emphasize that my opt-out request extends beyond marketing preferences. It encompasses the reporting of any information, including transactional history, to all credit reporting agencies. 
Furthermore, the reporting agencies are currently portraying different and inaccurate information. I demand that the reporting be halted to all credit reporting agencies, not limited to XXXX, XXXX, XXXX, and XXXX. The inconsistencies among the reporting agencies are not only causing confusion but also violate the accuracy requirements outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) A of the FCRA. 
In addition to the cessation of reporting, I reiterate my request for compensation in line with my initial demands. For each occurrence of reporting since the inception of my account, I am requesting {$1000.00}, as well as {$25000.00} for pain and suffering and embarrassment associated with the unauthorized reporting of my information. 
Moreover, I would like to bring to your attention the inclusion of non-mailable addresses and non-callable phone numbers in the reported information. These inaccuracies must be promptly addressed, and such erroneous data should be removed from all credit reporting agencies. 
Once again, I am exercising my right to opt out, and I expect immediate action to remove all reporting, including transactional history, from all credit reporting agencies. 
Your thorough review of my original communication and the relevant legal provisions cited therein is essential. Immediate corrective action is imperative to address my compensation demands, cease the reporting of any information to all credit reporting agencies, and rectify inaccuracies in the reported data. 
Considering the potential consequences of ignoring these requests, I must express my commitment to pursuing further investigation into the information transfer process. Should these concerns persist, I am prepared to report XXXX XXXX to the Securities and Exchange Commission ( SEC ) for securities fraud. 
I appreciate your prompt attention to this matter and anticipate a swift and comprehensive resolution.