Consumer complaint received 2023-03-18
Company: DISCOVER BANK
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
DISCOVER BANK claimed to have completed a reasonable investigation with the furnisher of information and verified this account as reporting 100 % accurately. However, the account is still inaccurate and DISCOVER BANK is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Recently, I received notice from XXXX that they had deleted a previous late payment for XX/XX/2022 that DISCOVER BANK reported for inaccuracy and it was re-inserted which is a violation. I am now requesting that DISCOVER BANK do the same and delete the remaining late payments for XX/XX/2022 and XX/XX/2022. 

Delete the reported late payments on accountDISCOVERBANK XXXXfor inaccuracy. The late payments for XX/XX/2022 and XX/XX/2022 are reported inaccurately and inconsistently on XXXX. I cant figure out how DISCOVER BANK verified these late payments when the only form of verification is the bank statement belonging to DISCOVER BANK. I need to see all original bank transactions and statements that belong to DISCOVER BANK that would prove my payments were not accepted on time or you need to remove these inaccurate and unverified late payments. Delete the late payments for inaccuracy. 

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

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C. 1681s-2 ( a ) ( 1 ) 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section which 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 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C 6802 ( a ) states 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.

15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.

15 U.S.C 6802 ( a ) ( b ) states 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 to opt out. 

I have included a copy of my credit report highlighting the inaccuracies on the Discover Bank account, a Discover bank communication letter with violations, a list of laws you have violated, and XXXX investigation results showing that this information has been removed, and my original dispute letter showing the inaccuracies I request that you take similar action and delete this information on my report with your respective credit bureaus as soon as possible.

Company response to consumer: Closed with explanation