Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NC)

Here is a copy of a letter I sent to Discover card in XX/XX/XXXX attempting to resolve the problem. I never had any response from them regarding the issue. I also tried calling them, and the three credit reporting agencies on multiple occasions. 

I disputed the issue with both XXXX  and XXXX to get the item removed as a " negative item '' on my credit report. XXXX are now reporting correctly, but XXXX have made no changes following their investigation into my dispute. 

Re : Account # ending in XXXX In response to your letter of XX/XX/XXXX, the information you received about my complaint is wrong, even though I have told you several times what the problem is, and I have been trying to resolve this matter for over a year now. I have not been the victim of fraud. What I told you and XXXX, is that you reported my status to them incorrectly, and I would like you to report my status correctly, please. 

I am tired of having to go over this again and again, with both your company and the credit reporting agencies. I am now putting this in writing, and I would ask that you please resolve this matter as soon as possible, so I dont have to waste any more of my time. 

Your actions have directly and negatively affected my credit and FICO score. Here is the sequence of events, for your records. Please make a note of them, save the information, and relay the correct information to all of your departments and to XXXX ( it seems that XXXX  and XXXX are reporting correctly now ) : I had a credit card with you ending in the above number from XXXX until XX/XX/XXXX. In XX/XX/XXXX I filed a Chapter XXXX bankruptcy which was dismissed two weeks later  and never actually happened. I had always paid Discover every month on time with no problems. When I couldnt get into my account online to pay my monthly bill, I called your office and discovered that you had closed down my account without informing me, thereby cutting off any ability I had to pay my bill, which I was prepared to do. The rep from your office that I spoke to told me there was nothing I could do to take care of the payment. 

In XX/XX/XXXX I was contacted by XXXX XXXX Services telling me that they had been hired by yourselves to collect the outstanding debt of {$600.00}. I told them I was prepared to pay the entire amount, which I took care of in three installments. I asked them if this would help my credit situation and they said yes. In XX/XX/XXXX I received a notice from you letting me know that my account was paid in full. 

Subsequent to that, I discovered that my account with you is being reported with XXXX as a charge off, which apparently is a negative item, rather than a positive item that has been resolved. I feel it is very unfair that I should have this reporting negatively on my credit, when I did nothing wrong. I always paid you every month ; I offered to pay you during the period when my bankruptcy was filed and you refused to allow me to do so ; and I paid you through the collection agency when they asked me to. Yet I am being penalized, and my FICO score is lower than it should be, because you continue to report this inaccurately.