Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
I am filing this complaint because my Discover credit card account is being reported with major, provable inconsistencies across all three credit bureaus. I previously filed disputes via the XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX against XXXX XXXX XXXX XXXX  As of today ( XX/XX/XXXX ), these issues have not been corrected and continue to damage my credit profile despite my having paid Discover in full. 

Below are the most significant discrepancies : Account Number Mismatches : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( via XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( direct site ) : XXXX XXXX  letter : account ending in XXXX XXXX These inconsistencies suggest data commingling or poor recordkeeping and violate my right to maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Account Status Conflicts : XXXX XXXX XXXX show Paid XXXX shows Derogatory, even though their own letter calls the account " Paid '' High Credit Conflicts : XXXX shows {$2500.00} XXXX shows {$0.00} XXXX shows {$1000.00} ( but their letter shows {$2500.00} ) Credit Limit Conflicts : XXXX & XXXX : {$1000.00} XXXX : {$0.00} ( but letter shows {$1000.00} ) Payment History Conflicts : XXXX shows no history XXXX  shows a straight progression from " current '' to " XXXX days late '' then " charge-off '' from XX/XX/XXXX forward XXXX  shows a completely different sequence, including many " current '' months during the same period XXXX  shows " XXXX '' Comment Inconsistencies : XXXX : " Payment after XXXX off/collection. Active military duty. '' XXXX : " Recalled to military XXXX XXXX. Unpaid balance reported as a loss by credit grantor. '' XXXX : " Paid charge off Credit card '' XXXX letter : " Paid charge off Credit card. Consumer recalled to XXXX XXXXXXXX XXXX '' Date Inconsistencies : Date Opened : XXXX XX/XX/XXXX vs XXXX XX/XX/XXXX vs XXXX XX/XX/XXXX ( but XXXX letter says XX/XX/XXXX ) Date Last Payment : XXXX XX/XX/XXXX vs XXXX XX/XX/XXXX ( but letter says XX/XX/XXXX ) Date of Last Activity : XXXX XX/XX/XXXX vs XXXX XX/XX/XXXX vs XXXX XX/XX/XXXX ( blank on letter ) Date Last Reported : XXXX XX/XX/XXXX vs XXXX XX/XX/XXXX ( letter says XX/XX/XXXX ) These data errors clearly show that the information being furnished is unverifiable, incomplete, and inaccurate. This violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to properly reinvestigate disputed items 15 U.S.C. 1681s-2 ( b ) failure of the furnisher ( Discover ) to conduct a reasonable investigation after receiving notice of a dispute 15 U.S.C. 1681c continued reporting of obsolete or inaccurate information I have served on XXXX XXXX in the United States XXXX XXXX during this time. Under the Servicemembers Civil Relief Act ( SCRA ), I am entitled to heightened protections against unfair or inaccurate credit reporting while on XXXX XXXX. The inclusion of active military duty in some bureau comments proves they are aware of my status yet are still reporting damaging and inconsistent information. 

Requested Resolution : Because this account is paid in full and is being reported with numerous conflicting data points across all three bureaus, I am requesting that the CFPB require Discover to instruct all bureaus to delete this account entirely from my credit file. If Discover can not provide fully accurate and consistent data, they are legally obligated to delete it. 

Please consider this my formal notice that if this inaccurate charge-off is not completely removed from my credit reports within 10 days of your receipt of this complaint, I will proceed with filing a lawsuit against Discover and all involved credit reporting agencies including XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

This is not my preferred course of action, but if this charge-off is not removed within the specified 10-day period, I will have no choice but to protect my rights through legal action.

Company response to consumer: Closed with explanation