Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MD)

I am writing to file a formal complaint against Discover regarding the continuous reporting of erroneous and inaccurate data to the credit bureaus concerning my account with them. The details of the complaint are as follows : Account Information : Original Creditor : Discover Account Number : XXXX Previous Complaints : I filed a CFPB complaint ( REF # XXXX ) against Discover on XX/XX/XXXX, regarding their inaccurate reporting. Despite assurances of an investigation and resolution, Discover continues to report inaccuracies. 
On XX/XX/XXXX Your company ( Discover ) responded to my CFPB complaint ( REF # XXXX ) by way of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated the following... 
" Dear XXXX XXXX : We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure that your concerns are properly addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. According to our records, your account was opened in your name as an individual account on XX/XX/XXXX, through an online application submitted on XX/XX/XXXX. You provided your address, social security number, date of birth, and we verified the information based on the request to open the account. As the application was submitted via the internet, there is no signed application to provide ; however, you did provide your electronic acknowledgement and agreement to the application terms and conditions. " You also stated " I authorized Discover to review my credit, employment, and income for the purpose of this Account, as well as to consider me for other products and services. Discover may report the status and payment history of the Account to credit reporting agencies and other creditors. Discover normally reports to credit reporting agencies each month. '' You concluded your initial response with " Our records confirm we have received and responded to multiple credit bureau disputes and have responded in each instance that your account and balance are accurately reporting and valid. As such, we are unable to honor your request to remove the reporting for the above-detailed account from your credit files, as it is a factual representation of what occurred, and we are obligated to report true and accurate information to the credit reporting agencies. However, due to your dispute, we have reported the account to the credit reporting agencies as disputed and will continue to report it as such unless you tell us to stop reporting them as disputed. '' A subsequent CFPB complaint ( REF # XXXX ) was filed on XX/XX/XXXX, detailing ongoing inaccuracies in Discover 's reporting. Discover 's response to this complaint failed to address the continued inaccuracies and offered no meaningful resolution. 
XXXX Executive Office of Customer Advocacy for Discover responded to my XX/XX/XXXX complaint REF # XXXX on XX/XX/XXXX. 

XXXX stated " XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE : Discover card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX XXXX are in receipt of your recent correspondence to the Consumer Financial Protection Bureau XXXX CFPB ). To ensure that your concerns are properly addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. Our records confirm we responded to you, and the Consumer Financial Protection Bureau ( CFPB ), on XX/XX/XXXX for case number XXXX. At that time, we indicated to you we have reviewed your concerns related to the reporting of your account. We have once again reviewed your concern, as you have not provided us with anything new to investigate, our position remains unchanged, and we consider this matter resolved. '' XXXX went on to say " For your records, I have enclosed a copy of the XX/XX/XXXX response. We are unable to honor your request to remove the reporting for the above-detailed account from your credit files, as it is a factual representation of what occurred, and we are obligated to report true and accurate information to the credit reporting agencies. However, due to your dispute, we have reported the account to the credit reporting agencies as disputed and will continue to report it as such unless you tell us to stop reporting them as disputed. Please understand that Discover is responsible for providing this information to the credit reporting agencies ; however, the credit reporting agencies have their own policy for reporting the information that is displayed. If you have any questions regarding the information reflected on your credit bureau reports from the account, we recommend contacting the credit bureau reporting agencies for assistance. " You ( Discover ) by way XXXX Executive Office of Customer Advocacy expressed to me that you ( Discover ) are unable to honor your request to remove the reporting for the above-detailed account from your credit files, as it is a factual representation of what occurred, and we are obligated to report true and accurate information to the credit reporting agencies. 

Legal Violations : Discover is knowingly furnishing inaccurate information to consumer reporting agencies, in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and ( B ) of the FCRA, which mandate accurate reporting and correction of known inaccuracies.

Discover 's failure to rectify the inaccuracies, despite being notified multiple times and providing assurances of an investigation, constitutes a violation of the FCRA 's requirement to promptly delete or correct inaccurate information ( 15 USC 1681 Section 611, 15 USC 1681e ( b ), and 15 USC 1681i ( a ) ( 5 ) ( A ) ).

Specific Inaccuracies : Date of Last Activity ( DLA ) reporting inaccurately : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Last Payment Date reporting inaccurately : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Payment History reporting inaccurately : XXXX : 30 days late ( XXXX ), 60 days late ( XXXX ), 90 days late ( XXXX ), 120 days late ( XXXX ), Charge-off ( XXXX ) XXXX : 30 days late ( XXXX ), 60 days late ( XXXX ), 90 days late ( XXXX ), 120 days late ( XXXX ) Discover 's Response : Discover 's response to previous complaints failed to acknowledge or address the ongoing inaccuracies in reporting. Despite being provided with evidence of the inaccuracies, Discover has continued to report the same erroneous information. 
Demand for Action : Discover is hereby put on notice to cease and desist the reporting of incorrect/inaccurate information immediately.

Pursuant to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), Discover must promptly delete the erroneous account from my consumer reports within 10 calendar days.

Discover must also take corrective action to ensure accurate reporting of all relevant account information in accordance with FCRA guidelines. 
In conclusion, Discover 's ongoing reporting of inaccurate information has caused significant harm to my financial standing and reputation. My government security clearance is threatened along with my livelihood. I demand prompt deletion of this account.