Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am submitting this complaint to formally report violations of the XXXX XXXX XXXX XXXX XXXX XXXX  ) and the Consumer Credit Protection Act, including the Fair Credit Reporting Act provisions, arising from Discover / XXXX XXXXXXXX XXXX denial of my credit application. XXXX XXXX : XXXX. 

On or about XX/XX/year>, Discover issued an adverse action notice stating that my application for credit was denied based in whole or in part on information obtained from XXXX  XXXX XXXX XXXX XXXX. 

The denial cited the following factors : Serious delinquency Too few accounts currently paid as agreed Lack of recent bank or national revolving information Proportion of loan balances to loan amounts too high These determinations were made using consumer reporting information that is inaccurate, incomplete, and currently disputed. 



Basis for Complaint XXXX. Improper Reliance on Inaccurate Consumer Reporting Information Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy. Discover, as a furnisher and user of consumer reports, has an independent obligation to ensure that adverse credit decisions are not based on information that is inaccurate, unreliable, or materially misleading. 

By relying on defective Experian data, Discovers adverse action was not legally compliant. 
XXXX. Violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) The XXXX prohibits creditors from taking adverse action that is not based on lawful, accurate, and properly evaluated information. A denial of credit that relies on disputed or inaccurate consumer reporting data constitutes unlawful adverse action and improper obstruction of access to credit. 
XXXX. Violation of the Consumer Credit Protection Act The Consumer Credit Protection Act requires creditors to ensure compliance with fair credit evaluation standards. Denying credit using defective reporting data frustrates the purpose of the Act and causes material financial harm to the consumer. 



Harm Caused As a result of this unlawful adverse action : I was improperly denied access to consumer credit I incurred financial and transactional harm My consumer rights under XXXX  law were compromised Actions Taken I formally notified Discover in writing that : The adverse action was based on inaccurate and disputed information I was retracting and withdrawing my application due to noncompliance I was preserving all rights under federal and state law As of the date of this complaint, the matter has not been properly cured. 

Requested Resolution I respectfully request that Discover / XXXX XXXX, XXXX. : XXXX. Conduct a compliance review of the adverse action XXXX. Acknowledge that the denial relied on inaccurate consumer reporting information XXXX. Confirm in writing that my application has been fully WITHDRAWN and CLOSED XXXX. Confirm that no adverse internal records or decisions will be retained or reused XXXX. Take corrective action to prevent future violations of XXXX and the XXXX XXXX XXXX XXXX This complaint is submitted to document regulatory noncompliance and preserve my rights. Continued reliance on inaccurate consumer reporting information after notice constitutes willful noncompliance under XXXX  law.

Company response to consumer: Closed with explanation