Consumer complaint received 2024-12-24 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: MN

Complaint narrative:
Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802, I am now OPTING OUT of ANY AND ALL Authorization I, the consumer have never given DISCOVER written, unwritten, verbal or non-verbal authorization to report my nonpublic personal information to non affiliated third parties. DISCOVER violates the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt-out because I was never notified by DISCOVER that my nonpublic personal information was going to be shared with non-affiliated third parties such as XXXX, XXXX, XXXX, XXXX XXXX XXXX I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt-out notice every thirty ( 30 ) days which DISCOVER never sent to me. I am exercising my rights under 16 CFR 313.7 Form of opt-out notice to consumers DISCOVER violated the terms and conditions within their terms and conditions, because DISCOVER states that they do not provide consumer information to non affiliated third parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX disclosures before my nonpublic personal information is shared but I never received notice. I have never had a contract or agreement with any third parties and I do NOT consent to them reporting any account to ANY of my credit reports. I am invoking all rights under OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 12 CFR 1016.7, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al. Please see 15 USC 6802 B ) OPT OUT below. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Finally, DISCOVER is in clear violation of 15 USC 45 - Unfair methods of competition for their failure to update the records after receiving tender of the full balance of the debt in accordance with the Electronic Funds Transfer Act as well as their acts of securities fraud and Tax evasion which I intend to report DISCOVER using IRS form 211. To conclude, the above-listed credit reporting agencies are in violation of 15 USC 1681 sec 604a section 2, because it states that a Consumer reporting agency can not furnish an account w/o my written instruction. I did NOT give consent nor written instruction to report the DISCOVER account and supporting nonpublic personal information such as the transaction history and balance. Also, The credit reporting agencies are in violation of 15 USC 1681 sec 604a section 2, because it states that a Consumer reporting agency can not furnish an account w/o my written instruction. I did NOT give consent nor written instruction to any credit agency to report my nonpublic personal information.

DISCOVER is reporting this account as a charge off. Charge offs can't be reported on a credit report without verification and issuance of a IRS form 1099-C. 

ATTACHED TO THIS REPORT IS A PICTURE OF THE ENVELOPE USED TO SEND THE ATTACHED CHARGE OFF LETTER AS WELL AS A COPY OF THE CREDIT REPORTING ENTRY AND A FTC FRAUD REPORT.

Company response to consumer: Closed with non-monetary relief