Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
FINAL DEMAND : IMMEDIATE FURNISHING OF CREDIT REPORTING CORRECTIONS TO ALL BUREAUS, CEASE AND DESIST RACKETEERING PRACTICES, AND NOTICE OF LITIGATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> VIA CERTIFIED MAIL WITH RETURN RECEIPT REQUESTED TO : DISCOVER BANK XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Registered Agent ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX. 
Attn : Credit Bureau Disputes, XXXX. XXXX XXXX, XXXX XXXX, IA XXXX AND Legal DeptXXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX RE : NOTICE OF RACKETEERING, TAX FRAUD, AND WIRE FRAUD THROUGH ABUSIVE DEBT PRACTICES FINAL DEMAND FOR FULL CREDIT REPORTING COMPLIANCE AND IMMEDIATE CORRECTIVE ACTION ACROSS ALL CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX  ) To Whom It May Concern : I am putting your institution on official and final notice regarding your ongoing pattern of fraudulent, deceptive, and racketeering conduct in violation of federal law, including but not limited to : Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 19611968 Wire Fraud, 18 U.S.C. 1343 Tax Fraud / Tax Evasion, 26 U.S.C. 7201, 7206 Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e It is well-documented that your institution has engaged in a systemic practice of disputing and re-aging alleged debts, selling these accounts to third-party debt buyers for tax write-offs, while continuing to pursue collection activities and misrepresenting the status of these debts. When challenged lawfully, and after repeated demands, you ultimately deleted the reported debt but only with one credit bureau failing to fully comply with the duty to furnish accurate information across ALL credit reporting agencies.

This pattern of behavior reflects intentional obstruction and concealment designed to suppress evidence of multiple fraudulent sales transactions on the same accounts, constituting tax fraud, wire fraud, and racketeering.

You have now been officially notified that the account deletion was not fully executed across Experian, Equifax, and TransUnion. Upon my direct follow-up and independent investigation, I confirmed that your company has failed to ensure the required compliance across all platforms. This constitutes continued furnishing of inaccurate information, and makes you complicit in systemic fraud and harm against me.

DEMAND FOR IMMEDIATE CORRECTIVE ACTION : 1. Immediately contact and notify all three credit reporting agencies ( Experian, Equifax, TransUnion ) to furnish corrected information that the debt has been fully discharged, canceled, and deleted.

2. Provide written confirmation of your compliance, including the dates, times, and points of contact at each credit bureau confirming the corrections.

3. Cease and desist from any further sale, transfer, reporting, or attempt to collect on this alleged debt or reintroduce it via any affiliate or third-party agency.

4. Immediately furnish a written explanation of how many times this debt was sold, assigned, or transferred to any third parties for charge-off or tax benefit purposes.

FAILURE TO COMPLY WITHIN TEN ( 10 ) BUSINESS DAYS will result in : Immediate initiation of a civil lawsuit against your institution.

Reporting your institution to the IRS Whistleblower Program for tax fraud investigation.

Submitting formal complaints to the CFPB, FTC, DOJ, and Office of the Inspector General.

Filing for damages under the RICO Act for racketeering, as well as FCRA and FDCPA violations, including claims for punitive damages and injunctive relief.

You are now fully aware of your obligations and your failure to correct these unlawful practices will be interpreted as willful misconduct, gross negligence, and bad faith. 

Govern yourselves accordingly. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief