Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: AL

Complaint narrative:
This Dispute was brought to my Attention, on XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX. 
According to the Fair Credit Reporting XXXX XXXX XXXX XXXX section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Opt- Out law - XXXX XXXX XXXX XXXX That law clearly states that you have the right to Opt-out of anything that's on My credit report.

XXXX XXXX - Me as The Holder as the consumer credit contract, That I have the right to uphold My rights.

XXXX XXXX XXXX XXXX  - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

XXXX XXXX XXXX XXXX  - permissible purpose of consumer reports ( a ) 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. XXXX XXXX XXXX XXXX XXXX XXXX ) has not had My Written consent to report any impact on my consumer report file ) They Do not have my Written Permission to report.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anteates the report by more than seven years.

" This Account '' is an adverse item they are reporting against without my permission which is against the law. Either way they have violated not only the Fair Credit Reporting Act but also the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless Subsection ( B ) - C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( I am now exercising my right to opt out of reporting. ) Per- The FCRA as A federally Protected Consumer, I am Now Opting Out From any and all Authorization That ( I ) the consumer, May have given you Written, unwritten, verbal, non-verbal Per 15 usc 6802. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is a 3rd Party company.

XXXX XXXX XXXX : - Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ XXXX XXXX XXXX XXXX XXXXhis subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : XXXX XXXX XXXX XXXX XXXX XXXX  - Timing of payment : Subsection ( A ). A creditor may not treat a payment on ANY ACCOUNT under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information is mailed or delivered to the consumer not later than 21 days before the payment due date. " DISCOVER CARD XXXX XXXX XXXX '' are listing my payments as late under an open ended consumer credit plan ) According to T.I.L.A- which is against the law.

XXXX XXXX XXXX states It is Illegal to share My SSN with non-Governmental Agencies.

I was Apart of the " DATA BREACH '', By right I have the right to make sure that I have accurate information on my consumer report.That needs to be updated to paid as agreed all payments made on time.15 usc 1666 ( D ) - Treatment of credit balances- Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) 2 rebates of unearned finance charges or insurance or ( 3 ) amount otherwise owed to held for the benefit of an obligor, the creditor shall make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount.XXXX XXXX XXXX- subsection ( f ) -Contract. Any oral or written agreement, formal or informal, between a creditor and a seller. Well where is the consumer at, if it's only between the creditor and a seller that means a contract is only valid between a finance company and a creditor/ seller. 
The Certificate of indebtedness was never credited to the Account, " DISCOVER CARD XXXX XXXX XXXX '' did not credited the account via the Electronic Funds Transfer Act from the Certificate of indebtedness that they acquired from the interest on my certificate of indebtedness. The IRS also says that " DISCOVER CARD XXXX XXXX XXXX '' is supposed to send me a COPY-B of the 1099-C because since the account is charged off, it is considered income.Per the IRS PUBLICATION-All Charge- offs Are considered ( ( INCOME ) ) & income is forbidden from being on my credit report. Anything that is considered Charged Off is considered a Certificate of Indebtedness, which is ( ( INCOME ) ). It needs to be removed or updates as Paid as agreed. I am aware that DISCOVER CARD XXXX XXXX XXXX has a Custodial Primary linked Account connected to my account & also DISCOVER CARD MASTER TRUST XXXX is trading my account via the XXXX XXXX through their `` Indenture Trustee ''. Their " Indenture Trustee '' of the company is XXXX XXXX XXXX company XXXX XXXX, a national banking association organized and existing under the laws of the United States of America the ( Indenture Trustee ), having a designated corporate trust office. 
XXXX XXXX XXXX agreed to the XXXXXXXX XXXX that DISCOVER CARD MASTER TRUST XXXX will pay to the Indenture Trustee the amounts, in such coin or currency as is at the time legal tender for the payment of " public '' or " private debt '', in the manner, at the times and for the purposes set forth herein and in the text of the Securities for each Series, and DISCOVER CARD XXXX XXXX XXXX hereby authorizes and directs the Indenture Trustee from funds so paid to it to make or cause to be made payment of the principal of and interest, if any, on the Securities and notes of each Series as set forth herein and in the text of such Securities and notes. I have Sent numerous payments & they have refused to XXXX payment to the Account. The XXXX & the Treasurer of : DISCOVER CARD XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX who Deliberately ignored my payments & kept my securite which is stealing & keeping me away from my securities which is another form of ( SECURITIES FRAUD ). Payments were sent Via Registered mail. 
This Complaint also proteins to the handling of the card process payment & Tender Payment which as Per XXXX XXXX XXXX OF XXXX '' has raised my concerns with several violations such as XXXX XXXX XXXX XXXX XXXX. certificate of indebtedness, was securitized by DISCOVER CARD XXXX XXXX XXXX where they also received a cusip number By rounding them all up inside of a Pool which is also can be better known as a " XXXX XXXX ''. They also were engaged in XXXX activities. I would like to raise this concern to the proper person before pursuing XXXX XXXX in Delaware. I have come to the Assumption that I realized that I have never really Paid you Because all FRNS are NOT considered as Payments/Legal tinder, I am so sorry that I was so ignorants of the Law, Per- '' DISCOVER CARD XXXX XXXX XXXX '' ARTICLE IV SATISFACTION AND DISCHARGE - SECTION 4.3 Repayment of Monies Held by Paying Agent - States In connection with the satisfaction and discharge of this Indenture with respect to the Notes, all monies then held by any Paying Agent other than the Indenture Trustee under the provisions of this Indenture with respect to such Notes shall, upon demand of the Issuer, be paid to the Indenture Trustee to be held and applied according to Section 3.3 and thereupon such Paying Agent shall be released from all further liability with respect to such monies.

Important Definitions : - The term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph This includes consumer reports. 
XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, is a 3rd Party company. 
Account Means : A Written list of Transactions, noting MONEY Owed and money paid; Statement of mutual demands Arising out of a contract or a fiduciary relationship. 
Account can simply list payments, losses, Sales, Debits, Credits, and other transitions, or it may further and show a balance or the results of companies opposite transaction, like purchase and sale.

XXXX XXXX XXXX  - subsection ( f ) -Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, -Well where the XXXX a consumer at, if its only between a creditor and a seller that means a contract is only valid between a finance company and a creditor/ seller.

Company response to consumer: Closed with non-monetary relief