Consumer complaint received 2024-02-11 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:
This is a claim to REVOKE any and all consent to report to XXXX, XXXX, and XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Discover Financial Services has not exercised my information to the reporting agencies with fairness or impartiality. XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is stated under 15 USC 6801 ; " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Discover is a financial institution under the title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the WRITTEN instructions of the consumer to whom it relates. '' Discover Financial Services and the Consumer reporting agencies XXXX, XXXX and XXXX DO NOT have my consent to furnish this information and they do not have my written consent. I would like Discover Financial Services to provide myself and CFPB my written consent that authorizes them to furnish information. The Cardmember service agreement is NOT MY written consent and Discover can not provide my written consent because I never submitted ANY written consent. Any and all consent to XXXX, XXXX, XXXX, Discover Financial Services, whether it is verbal, non-verbal, written, implied or otherwise is now REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover Financial Services Never informed me of my right to exercise my nondisclosure option.15 USC 1681C ( a ) ( 5 ) clearly states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, Any other ADVERSE ITEM of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item as they are reporting again without my permission which is against the law and Discover continues to report false information. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have stated in previous claims that the reporting was inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Discover Financial Services, XXXX, XXXX and XXXX are not maintaining reasonable procedures. Prematurely closing out complaints to charge interest and collect payment is not a reasonable procedure. Failing to read initial claims and grouping it under a similar issue is also not a reasonable procedure. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am REVOKING any and ALL implied consent to furnish information to ANY credit reporting Agency. I am now opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief