Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I am writing to formally lodge a complaint against Discover Bank and its practices regarding the reporting of my credit information to various credit reporting agencies. This complaint is based on several violations of federal law as outlined in the Fair Credit Reporting Act ( FCRA ) and related statutes. 
Background On XX/XX/year>, I received a letter from Discover Bank that included references to certain credit bureau agencies. In this correspondence, it was implied that these agencies were authorized to report on my credit history and status. However, I believe that this representation is misleading and deceptive for several reasons. 
Rebuttal of Authority First and foremost, I would like to rebut the authority claimed by Discover Bank in their communication regarding the alleged credit bureau agents mentioned thereinspecifically Innovis, TransUnion, Experian, and Equifax. According to 15 U.S.C. 1692a, the term " Bureau '' refers specifically to the Bureau of Consumer Financial Protection ( CFPB ). The use of the term " bureau '' in relation to these entities misrepresents their function and authority under federal law.

Furthermore, under 15 U.S.C. 1681a ( d ), there are specific exclusions regarding what constitutes a consumer reporting agency. The entities referenced by Discover Bank do not meet the criteria set forth in this statute for authorized reporting agencies concerning my personal financial information.

Unauthorized Use of Information Additionally, per 15 U.S.C. 1681m ( d ), I have the right to prohibit any information contained in my consumer file from being used in connection with any credit or insurance transaction without my explicit consent. The letter from Discover Bank fails to acknowledge this right and suggests that they may continue reporting my information without proper authorization.

To exercise my rights under this statute, I am notifying you that I do not authorize any use of my personal information by these alleged credit bureau agents for any purpose related to credit or insurance transactions. 

Request for Action In light of these violations : Cease Reporting : I hereby instruct Discover Bank to immediately cease all reporting activities related to my account with any consumer reporting agency mentioned in their letter dated XX/XX/year>. 

Remove Nonpublic Personal Information : Additionally, I request that all nonpublic personally identifiable information ( PII ) entries associated with my account be removed from these reports due to potential identity theft concerns.

Initiate Arbitration : Furthermore, I authorize the initiation of arbitration regarding equity and interest related to my account as well as security collateral deposits associated with me as an applicant and Social Security cardholder.

Response Timeframe : Please consider this notice urgent ; I expect a response within five ( 5 ) days confirming receipt of this complaint and outlining your intended actions regarding these matters. 
NOTICE : I do not consent to the reporting of my information to any unafiliated third parties mentioned in letter by Discover Bank. Further reporting is unauthorized use and potential identity theft. Please cease and desist reporting or void agreement for breach of trust.

Company response to consumer: Closed with non-monetary relief