Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NY

Complaint narrative:
RE : Account # XXXX & XXXX On XX/XX/2024, I filed a complaint with the Consumer Financial Protection Bureau against Discover Bank for violation of multiple laws set forth by Congress in regard to the following account numbers XXXX & XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge-off status ), between the consumer ( myself ) and the person ( DISCOVER ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( DISCOVER ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. DISCOVER is forbidden to collect on a discharged debt. A woman known as XXXX acting as Executive Office of Customer Advocacy responded on behalf of Discover to the complaint and claimed the account was not written off though the loans had been Charged off as if there is a difference between a write-off and a Charge-off. Her communication is misleading and deceptive and is a violation of 15 U.S. Code 1611 ( 1 ) Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges according to a publication from XXXX. Therefore the accounts were written off according to the legal definition of a charge-off. The woman known as XXXX acting as Executive Office of Customer Advocacy willfully and knowingly gave false information to me and to the CONSUMER FINANCIAL PROTECTION BUREAU claiming the account was not written- off. Nevertheless, Discover Bank reported to the credit reporting agencies account XXXX was written off in the amount of {$31000.00} as of XX/XX/2024, and account XXXX was written off in the amount of {$62000.00} as of XXXX XXXX according to my credit file see attached evidence as proof that Discover Bank is using misleading and deceptive methods to collect an alleged debt not owed. Lastly, Discover Bank admits that the information reported on my credit file is inaccurate because they claim the account was not written off when in fact Discover Bank reported to the credit reporting agencies the account was written off ( See Attachment ) I attached my credit file and the false statements made by discover bank to the CFPB. 

I demand the inaccurate accounts be removed from my credit file and I demand Discover Bank send me a copy of the 1099-c for my tax purposes. DISCOVER BANK Conduct meets the elements of Tax evasion writing off the alleged debts and continuing to collect on these accounts after accounts have been written off is a misrepresentation of there income by under-reporting income, and inflatingdeductions. Tax Evasion is the use of illegal means to avoid payingtaxes. Typically, tax evasion schemes involve an individual orcorporationmisrepresentingtheir income to theInternal Revenue Service. Misrepresentation may take the form either of under-reporting income, inflatingdeductions.In the United States XXXX tax evasion constitutes a crime that may give rise to substantial monetary penalties, imprisonment, or both.Section 7201 of the Internal Revenue Codereads, Any person whowillfullyattempts in any manner to evade or defeat any tax imposed by this title or the payment thereof shall, in addition to other penalties provided by law, be guilty of a felony and, upon conviction thereof, shall be fined not more than {$100000.00} ( {$500000.00} in the case of a corporation ), or imprisoned not more than 5 years, or both, together with the costs of prosecution.

Company response to consumer: Closed with explanation