Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: KY

Complaint narrative:
Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX  Address : XXXX XXXX XXXX XXXX XXXX KY XXXXXXXX XXXX XXXX XXXX XXXX ( PASSPORT ATTACHED BELOW ) Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15USC 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 generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-1 ( 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, 2. ( 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. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( AN ( 1 ) 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. 
Remove Fraudulent Account listed : XXXX. XXXX XXXX XXXX, Opened : XX/XX/XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX XXXX. XXXX, XXXX, XX/XX/XXXX XXXX. XXXX, Account # XXXX, XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Late Payments to accounts and dates listed below thats PAID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX : Update late as paid on dates XX/XX/XXXX & XX/XX/XXXX. 
- XXXX, Account # XXXX, Opened XX/XX/XXXX : Update late as paid on dates XX/XX/XXXX. 
- XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX : Update late as paid on dates XX/XX/XXXX. 
Remove Fraudulent inquiries listed - Inquiry : XXXX XXXX XXXX XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

Company response to consumer: Closed with non-monetary relief