Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Summary of Conduct / Dispute : Discover Bank is knowingly and willfully furnishing inaccurate and misleading information regarding a closed account to consumer reporting agencies. The reporting creates a false impression of ongoing liability, delinquency, and/or derogatory repayment status after closure, which is materially misleading and directly injurious to my credit standing, financial reputation, and access to credit markets. 

Legal Violations and Grounds : This conduct constitutes violations of multiple provisions of the Fair Credit Reporting Act ( FCRA ) governing accuracy, completeness, reinvestigation, and furnisher obligations, including but not limited to : FCRA 602 ( a ) fair and accurate reporting requirement FCRA 607 ( b ) maximum possible accuracy standard FCRA 623 ( a ) ( 1 ) ( A ) prohibition against inaccuracies FCRA 623 ( a ) ( 2 ) duty to correct and update to avoid misleading impressions FCRA 623 ( a ) ( 4 ) prohibition against furnishing incomplete/misleading information FCRA 623 ( b ) duty to conduct a lawful reinvestigation Under federal case law, information may be technically accurate yet still unlawful if it creates a materially misleading inference affecting creditworthiness or consumer risk assessment. Reporting a closed account as if it were active, delinquent, or repayment-obligated meets that standard. Discover Bank failed to lawfully correct the reporting once notified, further exacerbating liability. 

In addition to FCRA violations, this conduct may constitute an unfair, deceptive, or abusive act or practice ( UDAP ) under Dodd-Frank Act 1031 due to distorting the consumer credit profile through inaccurate risk signaling and suppressing credit access.

Pre-Litigation Status : I attempted resolution through direct dispute and reinvestigation pathways. Discover failed to provide documentary verification consistent with the reporting, failed to correct the misleading information, and continued the misconduct after notice conduct which places this matter in pre-litigation posture. Discover is now on notice of the legal violations, ongoing harm, and potential claim for statutory, actual, and punitive damages under FCRA. 

Harm and Damages : This inaccurate reporting caused quantifiable harm including suppressed credit scoring, adverse decisioning, and reputational damage within credit underwriting systems. The inaccurate closed-account reporting materially affected lending criteria and distorted risk assessment in violation of federal consumer credit standards. 



Requested Regulatory Action/ Remedies : I request that the CFPB : 1. Compel Discover Bank to provide documentary verification of the reporting or correct it to reflect accurate, closed, non-derogatory status.

2. Require deletion if verification can not be substantiated.

3. Enforce compliance with furnisher obligations under FCRA and consumer reporting regulations.

4. Acknowledge the pre-litigation posture and preserve all rights for private civil action for damages. 

I request full remediation and confirmation of corrective action.

Company response to consumer: Closed with explanation