Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
Account : XXXX Date open : XX/XX/XXXX Balance {$500.00} Account type : charge off 661 NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my credit report and I noticed credit card account on my consumer report that should not be on there. I demand this account be deleted from my consumer report immediately. Ive reached out to your company via CFPB # XXXX. Stating the FCRA that your company is violating and to my surprise your company openly admitted to another violation by sharing my nonpublic personal information with a third party debt collector. This is not a debt validation request but points out the federal laws your company is breaking. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

So let me explain.

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I have recently come across inform from the Federal Trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL 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. 
Discover did not disclose this information to me that is required by federal law. knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 
The above is talking about furnishing items to a consumer report. There are three notices that were supposed to be given and have to be clear as day. XXXX XXXX XXXX XXXX, XXXX, XXXX  and XXXX  are not affiliates of the original creditor nor are they " bureaus The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given the original creditor, non written, verbal, and nonverbal per 5 U.S. Code 552a. Selling my nonpublic personal information is against federal law. The only way information can be shared is by common ownership or control.

15 U.S. Code 6809 - Definitions ( 5 ) Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 
Your company Discovers knowingly and willfully withheld information that explained how I The consumer can exercise that nondisclosure option. 
Discover shared my nonpublic personal information to a debt collector company XXXX XXXX XXXX XXXX. 
Your company is quoted in your CFPB response letter Your account is currently placed with XXXX XXXX XXXX XXXX since XX/XX/XXXX. 
That is a direct violation of my consumer rights. 
15 U.S. Code 1692e ( 12 ) - False or misleading representations ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation.

Company response to consumer: Closed with explanation