Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute, Demand for Corrective Action, and Claim of Violations Concerning Unauthorized Charge-Off Reporting to my credit report without filling 1099-C with the IRS Reporting on Behalf of XXXX XXXX Dear XXXX  and CFPB Representatives , I am writing to formally dispute and demand immediate corrective action regarding the false and unlawful reporting of a charge-off attributed to XXXX XXXX XXXX by Discover Card, Account XXXX XXXX which has been inaccurately reflected in his credit report since XX/XX/XXXX. This report is factually incorrect, violates federal and state laws, and has caused significant financial and legal harm to XXXX XXXX. 

Background and Factual Summary : Since XX/XX/XXXX, Discover Card has reported a charge-off on XXXX XXXX credit report. 

On XX/XX/XXXX, I contacted Discover Cards Member Assistance Department ( representative XXXX, ID # XXXX ) at XXXX am EST. 

During the call, I XXXX XXXX Requested an account manager her name was XXXX ID # XXXX who confirmed that the account was closed on XX/XX/XXXX, and the account was marked as charged off on the same date. 

When asked whether a Form 1099-C had been filed with the IRS related to this debt, the representative explicitly stated NODiscover has not filed any Form 1099-C with the IRS concerning this charge-off .

Further, they advised they do not have information about when or if such a form will be filed.

Legal Violations and Failures : 1. F
ailure to Verify and File Form 1099-C : Federal law ( 26 U.S.C. 6050P ) mandates that creditors must file a Form 1099-C with the IRS when debt of {$600.00} or more is canceled or forgiven.

Discover has confirmed no such form was filed, yet XXXX  has reported a charge-off, implying a false statement of IRS reporting compliance.

2.Violations of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681s-2, credit bureaus like XXXX  have the duty to validate the accuracy of reported information.

XXXX  has failed to verify whether Discover filed the required form before reporting the charge-off, thereby violating the FCRAs requirement for accuracy, verification, and deletion of disputed information.

Continuing to report a charge-off without validation constitutes an unlawful portrayal of debt status.

2. Violations of XXXX  Law : XXXX  Consumer Protection statutes prohibit knowingly false or misleading reporting practices.

3. Civil Rights and Fair Debt Collection Practices : False reporting that impacts employment, creditworthiness, and tax filings infringes upon XXXX XXXX Mr. civil rights an

d may violate laws prohibiting unfair and deceptive practices.

Legal Precedents and Court Citations : XXXX XXXX XXXX  ( XXXX  Supreme Court, XXXX ) : Found XXXX  liable for damages where inaccurate, unverifiable credit reporting led to harm. 

XXXX v. United States XXXX Supreme Court, XXXX ) : Clarifies that failure to verify debt documentation can result in damages and corrective measures. 

XXXX XXXX XXXX XXXX ( XXXX ) : Demonstrates that non-verification of debt data leads to punitive damages when misreporting causes harm. 


Remedies and Demands : XXXX deletion of Discover account from the credit report and remove the false charge-off entry from XXXX XXXX credit report. 

Certification from XXXX  confirming that Discover card has sent the Form XXXX as proof that they filed it with the IRS regarding this debt, and that the current reporting is inaccurate and will be Deleted when XXXX  investigates and find no XXXX was sent to them to verify if not XXXX  must Delete any and all information on my credit report from Discover card account number # XXXX. 

A formal correction must be made by deleting thew discover account attached to XXXX XXXX credit report, clarifying the new status and new scores. 

Compensation for damages caused by Discover card and XXXX  for reporting false statement on XXXX XXXX credit report and wrongful reporting, including financial burdens related to inaccurate tax filings for XXXX, XXXX, XXXX, and XXXX. 

Sanctions against XXXX  for violating the FCRA and XXXX  consumer protection laws. 

An official apology to XXXX XXXX and deletion of the Discover card account from his credit report for the distress and financial harm caused by Discover card and XXXX  for XXXX. XXXX  reporting false statement on XXXX XXXX credit report without verifying that the 1099-C was sent to XXXX  and proof that it was filed with the IRS. 

XXXX Then Discover card who closed the account on XX/XX/XXXX, and then report charge off statement to XXXX  without filling a 1099-C with the IRS and sending proof of that to XXXX  on XXXX XXXX credit report starting XX/XX/XXXX, and on the years of XXXX and XXXX XXXX needs to send me proof on how and when Discover card sent XXXX  the 1099-C as proof that the filed 1099-C with the IRS if not XXXX  must delete discover card from my credit report Additional Considerations : The ongoing misreporting has impacted XXXX XXXX ability to accurately file taxes and has imposed undue stress. The IRS has been misled into believing a debt has been canceled and a 1099-C filed when, in fact, no such filing exists. This misinformation has led to potential tax liabilities and penalties owed to the IRS and the State of XXXX. 

Legal Consequences and Court Redress : Failure to promptly remove delete and this inaccurate reporting may lead to litigation seeking statutory damages, punitive damages, legal fees, and injunctive relief, based on similar precedents where credit bureaus and companies were held liable for unverifiable or false credit information. Courts have upheld damages for violations of the FCRA, especially where the victims rights to fair credit and accurate reporting are violated. 

Please respond within 10 business days of receipt of this letter with confirmation that the false entry has been removed and deleted, that corrective filings have been made, and that the appropriate legal actions to prevent future violations are underway. 

Failure to comply will necessitate further legal action to secure remedies and damages to XXXX XXXX XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief