Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Submitted By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Against : Discover Bank ATTN : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of Complaint : XX/XX/XXXX Related Complaint Number : XXXX ( Submitted XX/XX/XXXX ) Summary of Issue : Discover Bank has willfully violated the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, incomplete, and fraudulent information to XXXX, XXXX, and XXXX. Despite receiving direct evidence of identity theft, including an FTC Identity Theft Report, a police report, and a certified dispute letter demanding deletion of the account within XXXX hours, Discover Bank failed to comply. Complaint Number XXXX was submitted to the CFPB on XX/XX/XXXX, yet Discover Bank has taken no corrective action and continues to cause harm.

Details of the Violations : 1. Inaccurate and Conflicting Reporting ( FCRA 1681e ( b ) ) : Discover Bank is reporting different data across credit bureaus : Last payment dates differ ( XX/XX/XXXX vs. XX/XX/XXXX ). 
Charge-off statuses are inconsistent. 
Payment histories and account statuses vary by bureau. 
These inconsistencies demonstrate a lack of compliance with the FCRAs duty to report with maximum accuracy.

2. Failure to Provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) : I requested the method of verification as allowed by law, and Discover failed to provide : The name of the party contacted The date/time of the verification Supporting documents used Instead, I received generic responses stating the account was verified, which is noncompliant and unacceptable under the FCRA.

3. Failure to Block Fraudulent Account After Proper Identity Theft Reporting ( FCRA 1681c-2 ) : I provided : A detailed FTC Identity Theft Report A police report A written request for deletion and blocking Despite fulfilling all legal requirements under 1681c-2, Discover has refused to block the account or cease furnishing false data.

4. Ongoing Harm and Willful Noncompliance ( FCRA 1681n and 1681o ) : Due to Discover Banks ongoing failure to correct or delete this fraudulent and inaccurate information, I have suffered : Denials of credit Increased interest rates Emotional distress Discovers actions are willful and negligent, entitling me to statutory and actual damages, plus legal fees.

Relief Requested : I am demanding that the CFPB take immediate enforcement action against Discover Bank, including : Compelling Discover Bank to permanently delete and block account [ XXXX ] from all credit bureaus under FCRA XXXX. 
Ensuring Discover ceases all reporting and furnishment of this account moving forward. 
Investigating Discovers noncompliance with federal consumer protection law. 
Referring this matter to the California Attorney General for potential state enforcement. 



Attached Evidence : Complaint # XXXX ( filed XX/XX/XXXX ) Copy of formal dispute and demand letter sent to Discover Bank FTC Identity Theft Report Police Report Copies/screenshots of credit reports showing discrepancies TransUnions incomplete investigation results Declaration : I affirm that the information provided in this complaint is accurate and truthful. Discover Banks failure to comply with federal law, despite clear identity theft documentation and repeated requests, has caused serious financial and emotional harm. I respectfully request the CFPB compel Discover Bank to immediately delete and block this fraudulent account.

Company response to consumer: Closed with explanation