Consumer complaint received 2025-02-01 00:00:00
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
State: TX

Complaint narrative:
I am writing to address a serious matter concerning the handling of my personal information. After reviewing my rights under federal law, Ive identified several violations and errors that require immediate correction. Below, Ive outlined the relevant laws, along with the actions I expect to be taken. 

The Privacy Act of 1974 and the Fair Credit Reporting Act are clear about protecting consumer privacy. Specifically, 15 U.S. Code 1681, Section 602 ( a ) states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting A agencies, and I am the consumer. Therfore, they are legally obligated to respect my privacy. And I have the right to ensure my private information is not shared, which is supported and backed by 15 U.S. Code 6801, which states that " 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. Discover Bank is considered a financial institution by definition under that title. 15 U.S. Code 1681 section 604 ( a ), states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Discover Bank the financial institution, and the consumer reporting agencies XXXX, XXXX, XXXX do not have my written and/or verbal consent to furnish this information. 

With all this in mind, I am revoking any and all consent previously granted to XXXX, XXXX, XXXX and Discover Bank the financial institution. This revocation applies to all forms of consentwhether verbal, non-verbal, written, implied, or otherwiseand is effective immediately. No further disclosure of my nonpublic personal information is permitted without my explicit written authorization. 

In regards to unauthorized disclosure and adverse reporting 15 U.S. Code 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Discover Bank never informed me of my right to exercise my nondisclosure option. I was never provided with this information, which is a clear violation of the law. The law also requires accuracy and reasonable procedures when handling consumer information. 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Concerning further inaccuracies, several non mailable adresses, along with multiple inconsistencies and innacurate monthly payment information have been included in my individual consumer reports. This is in direct violation of U.S. Code 1681 ( A ) ( 1 ) which states " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Additionally, U.S. Code 1681e mandates that all consumer reporting agencies must maintain reasonable procedures to avoid violations of the FCRA. XXXX, XXXX, and XXXX are not maintaining reasonable adherence to these procedures, as evidenced by their failure to comply with the laws outlined above. 

Moreover, Under 12 CFR 1016.7 as well as 12 CFR Part 313.7, I have the right to opt out of the disclosure of my nonpublic personal information at any time. I am hereby exercising that right. Effective immediately, I am opting out of all reporting services provided by XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX ( Advanced Risk Solutions ), XXXX, XXXX, EWS ( Early Warning Services ) and Discover Bank the financial institution. This opt-out applies to any and all disclosures of my information, past, present, and/or future. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief