Consumer complaint received 2023-12-19 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: MD

Complaint narrative:
XXXX Consumer Financial Protection Bureau Case # : XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Discover you stated that my Acct # XXXX, was properly investigated. You also stated : Our records confirm we have received and responded to multiple credit bureau disputes and have responded in each instance that your account and balance are accurately reporting and valid. As such, we are unable to honor your request to remove the reporting for the above-detailed account from your credit files, as it is a factual representation of what occurred, and we are obligated to report true and accurate information to the credit reporting agencies. However, due to your dispute, we have reported the account to the credit reporting agencies as disputed and will continue to report it as such unless you tell us to stop reporting them as disputed. The credit reporting agencies that we report to are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE ACCOUNT IS CURRENTLY REPORTING INACCURATE INFORMATION The Date Of Last Activity is reporting inaccurately per my Consumer Report Dated XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The Last Payment Date is reporting inaccurately per my Consumer Report Dated XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The Payment History is reporting inaccurately per my Consumer Report Dated XX/XX/XXXX XXXX 30 DAYS LATE XXXX, 60 DAYS LATE XXXX, 90 DAYS LATE XXXX, 120 DAYS LATE XXXX, XXXX  XXXX XXXX 30 DAYS LATE XXXX, 60 DAYS LATE XXXX, 90 DAYS LATE XXXX, 120 DAYS LATE XXXX, XXXX  XXXX This is grounds for removal. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states ; that if items are found inaccurate or can not be verified, the consumer reporting shall promptly delete the information from the file of the consumer 15 USC 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 


15 USC 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Delete this account I HAVE INCLUDED SUPPORTING DOCUMENTS DEMONSTRATING YOUR INACCURATE REPORTING

Company response to consumer: Closed with explanation