Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: FL

Complaint narrative:
LEGAL DEMAND FOR DELETION & DISPUTE OF INACCURATE INFORMATION To : XXXX XXXXXXXX  XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Discover Bank Account # : XXXX Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Freedom of Information Act ( 5 U.S.C. 552 ), Federal Trade Commission Act, IRS Regulations, and Applicable Federal & State Laws To Whom It May Concern : I am writing to formally dispute and demand the immediate deletion of inaccurate and incomplete credit information being reported on my consumer credit file in violation of numerous federal laws. 
Specifically, I am referring to a Discover Bank account ( ending in XXXX ) which is currently being reported inconsistently across all three major credit bureaus : XXXX : Reports " last activity '' as XX/XX/XXXX XXXX : Reports " last activity '' as XX/XX/XXXX ( future date impossible ) XXXX : Not reporting this account at all LEGAL GROUNDS FOR DISPUTE & DEMAND FOR DELETION : 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 et seq.

Under 1681i and 1681s-2 ( b ), the credit bureaus must conduct a reasonable investigation within 30 days after receiving notice of a dispute. 
You have failed to fulfill this duty. I have not received any documented proof or certified validation from you or Discover Bank, including no copy of a 1099-C, which I formally requested. 
The reporting of different " last activity '' dates across bureaus constitutes a factual inconsistency and thereby a violation of accuracy obligations under 1681e ( b ). 
2. Freedom of Information Act ( 5 U.S.C. 552 ) I am demanding access to all documentation, notes, communications, and verification used to verify and re-report this Discover Bank account, including any investigation conducted or relied upon.

3. FTC Act & Deceptive Trade Practices The FTC prohibits deceptive, unfair, and inaccurate credit reporting practices under the Federal Trade Commission Act. 
Re-reporting a closed, inaccurate, or unverified debt without confirming its legitimacy is a deceptive practice subject to enforcement and civil penalties. 

4. IRS & 1099-C Reporting Requirements According to IRS regulations , when a creditor cancels a debt over {$600.00}, they are required to issue a Form 1099-C to the debtor and report it to the IRS. 
Discover Bank has failed to provide this documentation. This results in a false representation of debt on my credit file and potential tax liability for a debt that may have been cancelled. 
5. U.S. Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the Court ruled that inaccurate reporting of information causing harm is grounds for statutory damages. 
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) held that a credit bureau can not rely solely on the furnishers verification and must conduct an independent investigation. 
6. Failure to Investigate & Provide Results ( 1681i ( a ) ( 6 ) ) You are legally required to provide me with a written summary of the investigation, including the name, address, and phone number of the furnisher of information. 
Your failure to do so within 30 days is a direct violation of federal law and entitles me to seek remedies. 

REMEDIES & PENALTIES UNDER LAW Each violation of the FCRA subjects your company to statutory damages of {$1000.00} per violation, plus punitive damages and attorneys fees under 1681n and 1681o.

For willful noncompliance, I am entitled to actual damages, punitive damages, court costs, and legal fees.

Daily civil penalties under IRS Code 6721 and 6722 for failure to file and furnish 1099-C forms range from {$50.00} to {$280.00} per day, per violation, capped at {>= $1,000,000} annually. 


DEMAND I am hereby demanding that you : 1 DELETE the Discover Bank account ending in XXXX from my credit report with immediate effect due to factual inaccuracies and unverifiable debt. 

2 Provide me with copies of all documentation you have relied upon to report and verify this account, including correspondence with Discover Bank. 

3 Send me a formal copy of the 1099-C if one was filed, or written confirmation that none was issued.

4 Provide written confirmation within 15 days that this matter is resolved, or I will escalate this dispute to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney General File a civil lawsuit in XXXX XXXX XXXX seeking statutory and punitive damages totaling no less than {$100000.00}, increasing daily. 





NOTICE OF INTENT TO SUE If you fail to comply with this demand within 15 business days, I will proceed to file a civil complaint in U.S. District Court for : FCRA Violations IRS Violations Failure to investigate under 15 U.S.C. 1681i False reporting under federal law Failure to respond to consumer request This letter serves as formal notice and demand under federal law. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief