Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
I reached out to XXXX  multiple times via phone XXXX and XXXX. Representative was not listening to me in the fraud department. I told him the scenario and he grouped all of my disputes in a lump sum of fraud which is not correct. I called today due to a tenant screening which shows an update as of XXXX of a balance refreshing the account. I called today XXXX was transferred to fraud dept due to that being the department who initiated my dispute- and spoke with XXXX XXXX Operator ID : XXXX, Case # XXXX Who was not showing any interest in doing his due diligence with understanding the reason for my call. When I asked what the case number indicates or references stated you don't like the outcome of our investigations. I explained several times the details and how they are not incompliance with FCRA 605B,607b, and 611a. I explained I provided my situation and how the one reason does not apply to all my disputes. He repeated several times I just have to wait. I requested a supervisor and got XXXX from Texas who did not wish to provide me her Operator ID for security reasons but provided a case number of XXXX. 
The disputed account is Discover bank credit card that is charged off in the amount of XXXX and showing a balance of XXXX. Discover closed the account per their customer service representative administratively closed XXXX XXXX XXXXXX/XX/XXXX after they attempted to verify identity via social of the account holder requesting additional information, but it was never produced or refused to be produced. Due to this they could not confirm and did an administrative close. Verification failure is the reason for the close not for nonpayment. Despite months later XXXX began reporting the account as a charge off and continues to update derogatory information through XXXX, which is misleading and a violation of federal credit reporting law. 
XXXX XXXX  acct opened XX/XX/XXXX, administrative closure XX/XX/XXXX inability to obtain or verify account holder identity. Charge off date XX/XX/XXXX, First date of delinquency XX/XX/XXXX ( Which is inaccurate because records show not delinquent prior to close out ). XXXX continues to update the charge off each month into XXXX and XXXX, despite the account being inactive since XXXX. Disputed filed since XX/XX/XXXX to present date. XX/XX/XXXX XXXX  marked the item as verified and despite of my request for method of verification, none was provided. XX/XX/XXXX, today... Both XXXX and supervisor XXXX states its coded as fraud related but XXXX  refused toapply required FCRA 605B block or disclose their verification source. They claim my ID per XXXX was not legible. They also stated since I sent FTC and Police report in Louisiana just as proof my information is floating around, like I advised them in XX/XX/XXXX due to several breeches and dark web and security alerts from my job and other monitoring sources my info is out there. They will not block it. However, it doesn't excuse the fact they are still reporting inaccurately which is still causing harm... Either way I dispute this, both are grounds for removal. Legal basis FCRA 607 ( b ) Failure to assure maximum possible accuracy. FCRA 611 ( a ) ( 1 ) - ( 6 ) failure to conduct a reasonable investigation. FCRA 605B ( 15 USC 1681c-2 ) Failure to block disputed or identity related information ( they were supposed to within four business days ). FCRA 623 ( a ) ( 5 ) incorrect reporting of first delinquency. Discovers internal records show no missed payment prior to administrative closure yet XXXX  reports XX/XX/XXXX as 1ST DOD.FCRA 605 ( a ) illegal date extension of derogatory information.

Company response to consumer: Closed with explanation