Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Dear Discover Executive Office, I am writing to formally dispute and request immediate removal of two accounts currently reported and collected on by Discover Financial Services : * Discover Card Account ending in * * XXXX * * ( also appearing as * * XXXX * * ) * Discover Card Account ending in * * XXXX * * Both accounts are being reported as charge-offs and are the subject of * * fraudulent activity * *, and your continued efforts to collect and report them represent multiple violations of federal credit reporting law. 


BACKGROUND & FRAUD CLAIMS : Account XXXX : On * * XX/XX/XXXX * *, Discover sent me a letter confirming that account ending in * * XXXX * * had been * * removed from my credit file * * following a dispute. The letter clearly stated : As a result of this investigation, we have updated your Credit Bureau Report to reflect the following change ( s ) : Requested Removal of tradeline from your credit file. 

However, in * * XX/XX/XXXX * *, Discover sent a new letter referring to * * account ending in XXXX * *, claiming that the account is still open, * * charged off with a \ {$22000.00} balance * *, and that I am personally liable without providing any new evidence or legal notice of reinsertion. This is a * * re-aged version of the same account * * ( XXXX ), now under a different suffix, and is being re-reported and collected on again. 

Account XXXX : This account contains * * fraudulent transactions * * which I reported to Discover in XXXX. In your XX/XX/XXXX letter, you acknowledged that : * No signed application exists; * The account was opened online with unverifiable data ( email and phone number ) ; * You claim the information is valid, but you have * * not provided any validation documents * *. 

Despite the open fraud claim and lack of evidence, Discover continues to report this account as a * * charge-off with a balance of \ {$3000.00} * *, and is actively attempting to collect the amount. 

LEGAL VIOLATIONS : 1. * * FCRA 611 ( a ) ( 5 ) * * : A deleted tradeline ( XXXX ) may not be reinserted unless the furnisher certifies its accuracy and * * notifies the consumer in writing within 5 business days * *. 
Discover failed to meet this requirement 2. * * FCRA 623 ( a ) ( 2 ) * * : Furnishers must promptly update, correct, or delete information discovered to be inaccurate or incomplete including fraud-related accounts. 
Discover is attempting to collect on and report account XXXX despite no contract, no verification, and known fraudulent use. 

3. * * FCRA 607 ( b ) * * : Information furnished to CRAs must not be false or misleading. 
Reporting a deleted tradeline ( XXXX ) under a new suffix ( XXXX ) as a charge-off is misleading and deceptive. 

4. * * FCRA 609 ( a ) ( 1 ) * * : I am entitled to receive all documentation used to verify these debts. 
None has been provided. 

5. * * UDAP ( 12 U.S.C. 5531 ) * * : Collecting on fraudulent balances after a deletion letter, and reporting the same account under new identifiers without notice, constitutes * * deceptive and abusive conduct * *. 

In addition to the legal violations stated, Discovers reporting is materially misleading and has caused direct harm to my credit standing : The account ending in XXXX was previously removed from my credit file, per Discovers written confirmation dated XX/XX/XXXX. 

In XX/XX/XXXX, Discover re-reported the same account under a new suffix ( XXXX ) as a charge-off, without any new supporting evidence, and without notice. 

This misleading re-reporting appeared as a new derogatory tradeline, which caused a significant drop in my credit score and harmed my ability to obtain credit. 

Similarly, the account ending in XXXX, which involves documented fraudulent activity, continues to report with : A Dispute resolved subscriber disagrees remark, implying I was at fault, A fully charged-off status despite lack of any verified usage or signed documentation. 

This reporting is not only inaccurate, but it also creates the false impression that I am a repeat debtor with multiple charge-offs when in fact, the tradelines stem from either the same account or fraudulent use. 

This pattern constitutes misleading credit reporting in violation of FCRA 607 ( b ), which mandates that consumer information must be reported fairly and accurately, and not in a way that is materially deceptive or incomplete. 

ATTACHED EVIDENCE : * Discover Letter dated XX/XX/XXXX ( XXXX deletion ) * Discover Letters dated XX/XX/XXXX ( XXXX and XXXX charge-offs ) * Credit report screenshot showing XXXX status and dispute remark

Company response to consumer: Closed with non-monetary relief