Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
I, XXXX XXXX, a Private American, held in trust under the Full Faith and Credit of the United States, formally submit this Notice of Injury regarding unlawful credit reporting by Discover Bank, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. These entities continue to furnish inaccurate, misleading, and injurious information, despite the recent data breach affecting credit bureaus, further invalidating their authority to report any information without lawful consent or verified proof of claim.

Notice of Injury & Breach of Consumer Protection Rights 1. Violation of Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information are required to verify accuracy and remove information that can not be substantiated. 
The recent data breach impacting credit bureaus further proves that any assumed accuracy in reporting is now null and void, as personal data has been compromised, manipulated, and accessed without consumer consent. 
No verified proof of contract has been provided to establish any lawful obligation. If a lawful claim existed, it was the duty of the furnisher to ensure accuracy prior to reporting. 
2. Unlawful Assumption of Consent & Administration of a Trust Name Consent was never givenneither verbal, non-verbal, implied, expressed, written, nor unwrittento furnish, maintain, or process this information.

If consent is presumed under any agreement, this serves as formal written revocation of all assumed consent and an Opt-Out Notice.

The continued furnishing of these accounts despite the FTC-recognized data breach constitutes willful misrepresentation and injury. 
XXXX. Breach of Duty, Privacy Violations & Willful Misrepresentation The data breach has further compromised the legitimacy of these reported accounts, making any adverse reporting a direct violation of the Privacy Act and public law. 
Under Supreme Court XXXX XXXX XXXX XXXX, all fiat currency is null and void. Therefore, any debt obligation asserted in relation to these accounts lacks lawful standing and is unenforceable. 
The Fair and Accurate Credit Transactions Act ( FACTA ) also requires creditors to safeguard consumer data, which has not been done, further invalidating the reporting of these accounts.

Remedy Sought Immediate deletion or update of these accounts to reflect Paid as Agreed due to : The data breach invalidating assumed accuracy in reporting. 
The lack of verified contractual obligation proving a lawful agreement. 
The willful misrepresentation and injury caused by continued derogatory reporting.

Proof of Contract & Legal Standing : Provide verified, wet-ink proof of contract where the Principal knowingly agreed to act as surety.

If no such contract exists, all reporting is unlawful and must be removed immediately.

Cease & Desist from Further Reporting : Any further reporting constitutes an intentional act of harm, defamation, and financial injury.

Failure to act in good faith will result in further escalation to the Attorney General, CFPB enforcement division, and legal action for damages.

I demand a full investigation and immediate correction under 15 U.S.C. 1681, the Privacy Act, and all applicable consumer protection laws.

I have filed an FTC report on this inaccurate and misleading injurious information. Which will be attached below. 

Sincerely, XXXX XXXX Without Prejudice ( UCC 1-308 ) All Rights Reserved

Company response to consumer: Closed with non-monetary relief