Consumer complaint received 2022-07-30
Company: DISCOVER BANK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed several disputes with XXXX, XXXX, and XXXX with regards to inaccurate data being reported to these three bureaus by Discovercard. 

The inaccurate report in this complaint is the account is the responsibility entry : DiscoversCard has arbitrarily assigned the status as a JOINT ACCOUNT on two bureaus and INDIVIDUAL with the third credit bureau. 

See attached documents to show proof that this irreversible action by DiscoverCard less than removing their account completely from my credit file with all bureaus IMMEDIATELY they will be breaking the law every minute of each day until their entry on my credit file with all bureaus for the follow reasons. 

1. Fact. The responsibility status reported by DiscoverCard in my credit filed are contradictory. 

2 Fact. DiscoverCard is arbitrarily assigning this status because they do know the correct entry, because, 3. Fact. DiscoverCard does not have access to any application of credit that I signed bearing my name ; nor any contract or agreement explicitly showing where I applied for DiscoverCard, and 4. Fact. I contacted DiscoverCard and everytime I called on different dates and times, DiscoverCard staff would give me a different and inaccurate each time, and 5. Fact. They continue to give me inaccurate data along with and to the credit bureaus because they do not have a that record in their possession because it does not exist. And 6. Fact DiscoverCard informed me each time that they do not have that information in document form whatsoever and, 7. DiscoverCard continues to post credit information bearing my name and historical data, damaging me and my credit each and every day and have been for years. And, 8. To date, DiscoverCard has not followed federal law with regards to following federal Rule : 9. Each entry by a creditor into the credit bureaus must report accurate, valid, and verifiable data and all levels of the reporting. And 10. Knowingly reporting inaccurate data, arbitrarily, and does not make effort to remove that data that is not accurate, verifiable, and not valid is a criminal act and can be held liable for damages, and 11. DiscoverCard has known for months through several disputes and continues to break federal law. And, 12. The entire credit file must be removed immediately if any part, entry, or and any reports to the credit bureaus are not just that as stated above. And 13. DiscoverCard is in direct violation of Federal law at this submission of complaint. And, 14. At this point, any original application, agreement, contract or otherwise completed and or signed by me whatsoever after the time that has elapsed and their failure to this far, would only be fabricated media and would be challenged in court for liable restitution. And, 15. If DiscoverCard does not remove their entry completely from report immediately after this specific complaint with evidence, I will report this breach to The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), two federal agencies charged with overseeing and enforcing the provisions of the act in efforts to have DiscoverCard penalized in any way possible for dereliction of their duties in credit reporting. 

16. See attachments for contradictions in their reporting specific to this complaint.. 

,

Company response to consumer: Closed with explanation