Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX SSN : XXXX XXXX : XX/XX/year> DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To XXXX it XXXX concern : I recently checked my credit report and found some inaccuracies. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency.With that said, credit reporting agencies are required by law to delete any information that is inaccurate or incomplete. This is my understanding, and it's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on my credit report.Furthermore, the XXXX XXXX  standard is a common format for reporting credit information. Banks and other lending institutions use the XXXX XXXX standard to report information to the CRAs. The goal of the XXXX XXXX standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the XXXX XXXX XXXX XXXX ( XXXX ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong, so it can not be compliant with FCRA and XXXX XXXX standards. The information was never proven to be factual, so I have decided that enough is enough and will exercise my consumer rights. The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately or I will have no choice but to take legal action against you! Also, federal law requires credit reporting agencies to respond within thirty ( 30 ) days. Failure to comply with these federal regulations by DISCOVER BANK XXXX XXXX Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$3100.00} Closed Date : -- Credit Limit : XXXX Creditor Remarks : UNPAID BALANCE REPORTED AS A LOSS BY CREDIT XXXX Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : -- Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : XXXX The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. 
Appreciatively According to the law, you and data furnishers must certify all aspects of required XXXX XXXX XXXX. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, MI XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX XXXX : XX/XX/year> DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Page XXXX of XXXX based on the assumption that help from a third party XXXX be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX XXXX : XX/XX/year> DISCOVER