Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
RE : Final Legal Notice Refusal for Cause & Demand for IRS XXXX Filing Compliance Account Ending : XXXX CFPB Case XXXX XXXXXXXX To Whom It May Concern, This correspondence serves as formal notice and final demand in response to your letter dated XX/XX/2025, concerning the above-referenced Discover account. 

On XX/XX/2025, I submitted to Discover Financial Services XXXXXXXX XXXX XXXX XXXX XXXX a written and notarized request for documentation regarding the status of any IRS Form XXXX for this account. 
This mailing included lawful bond instruments and a demand for compliance pursuant to IRS Instructions for Forms XXXX and XXXX, XXXX XXXX Code XXXX, and applicable provisions of the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code 6050P. 

Your failure to provide a timely written response within 30 daysand your ultimate reply nearly XXXX months later on XX/XX/XXXX, XXXX a clear violation of federal statutes, including : 15 U.S. Code 1692g ( b ) Failure to provide required validation of debt within 30 days Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) Failure to investigate consumer dispute of inaccurate information Internal Revenue Code 6050P Failure to issue Form XXXX after identifiable discharge of indebtedness CFPB Regulation V ( 12 CFR Part 1022 ) Unfair and deceptive practices in credit reporting Furthermore, your claim that no XXXX has been issued while simultaneously affirming the account was charged off as of XX/XX/2025, triggers a statutory obligation to file and furnish IRS Form XXXX Failure to comply will now be formally reported to the Internal Revenue Service. 

Violations and Procedural Misconduct Discover failed to respond to my written XXXX request mailed on XX/XX/2025 Discover delayed its written response until XX/XX/2025, violating the XXXX statutory window for dispute resolution You failed to acknowledge or honor the included lawful private bonds You disregarded my refusal of contract and demand for debt validation The CFPB improperly closed the case based solely on your written reply, not on compliance with law dishonoring me. 

Legal and Spiritual Standing Invocation of XXXX XXXX XXXX You are hereby placed on notice that your continued collection activities, reporting to credit bureaus, and refusal to comply with federal tax law constitute willful misconduct and a breach of multiple fiduciary duties. 

In support of my position, I invoke the following XXXX XXXX XXXXXXXX as foundational legal principles guiding this dispute and demand : He who fails to assert his rights has none. 
Let justice be done though the heavens fall. 
XXXX vitiates everything it touches.

A contract founded on fraud is XXXX XXXX XXXX. 
Silence implies consent only when there is a duty to speak. 
Qui tacet consentire videtur ( He who is silent is taken to agree ). Here, your failure to timely respond is not consent but an actionable violation.

Nemo dat quod non habet ( No one gives what they do not have ). Without proper validation and compliance, no lawful claim to this debt exists.

Fiat justitia ruat caelum ( Let justice be done though the heavens fall ). I demand strict adherence to statutory and regulatory requirements regardless of inconvenience. 


Forwarding to IRS and Record Preservation All documentation, including : The original XXXX request ( XX/XX/2025 ) The unrebutted XXXX request The enclosed bonds Discovers XX/XX/2025 response will be forwarded to the Internal Revenue Service, with a complaint filed under IRS Form 3949-A for violation of reporting compliance obligations.

Final Demand and Remedy Sought I hereby refuse this alleged debt for cause, without dishonor. I demand the immediate issuance and delivery of IRS Form XXXX. This is your final opportunity to resolve this matter amicably and in accordance with applicable law. 

You have 15 days from the date of this notice to respond in writing with : 1. A copy of the IRS Form XXXX filed for this account 2. Confirmation of account closure and cessation of collections 3. Removal of any derogatory reporting from all consumer reporting agencies Failure to comply will result in further legal actions, including but not limited to : IRS escalation and formal complaint filing FTC complaint for unfair and deceptive trade practices Formal legal claims of fraud, defamation, unlawful enrichment, and breach of fiduciary duty

Company response to consumer: Closed with non-monetary relief