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Information belongs to someone else. Subject : Cease Unauthorized Credit Reporting Immediately Reference to California FCRA Identity Theft Fraud Laws Dear Discover Bank, I am writing to address a serious breach concerning the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and relevant identity theft fraud laws in the state of California. It has come to my attention that Discover Bank has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA explicitly mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). In addition to federal law, California state