Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
Respondent : Discover Financial Services ( DFS ) Account # : XXXX I. Comprehensive Narrative of Violations A. Fraudulent Account Timeline Manipulation Conflicting Opening Dates : XX/XX/XXXX Letter : Correctly states account opened XX/XX/XXXX. 
XX/XX/XXXX Letter : Falsely claims account opened XX/XX/XXXX ( 7-month fabrication ). 
XX/XX/XXXX Letter : Reverts to accurate XX/XX/XXXX date after being challenged. 
Strategic Misrepresentation : DFS used false " XX/XX/XXXX '' date to artificially extend delinquency timeline by 10 months. 
Created illusion of 26-month delinquency ( vs. actual 16 months ) to justify " charged off '' status. 
B. Debt Cancellation & Ongoing Harassment IRS 1099-C Issuance ( XX/XX/XXXX ) : Legally canceled {$2600.00} debt under 26 U.S.C. 6050P. 
DFS continued collection efforts through XX/XX/XXXX ( 3 months post-cancellation ). 
Defective Dispute Process : 7+ Disputes Ignored : Certified mail, CFPB portal ( Case # XXXX )XXXX XXXX 
DFS Responses : XX/XX/XXXX : " Account opened XX/XX/XXXX ... balance valid '' ( fraudulent timeline ). 
XX/XX/XXXX : " Account opened XX/XX/XXXX '' ( partial correction while maintaining false 'charged off ' status ).

II. Legal Violations A. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Fabricated Data : Willful misrepresentation of account opening date to credit bureaus. 
Precedent : XXXX v. XXXX & XXXX ( XXXX ) Creditors liable for " reckless disregard '' of accuracy. 
B. Texas Finance Code 392.304 ( a ) ( 3 ) : Deceptive Trade Practice : Alternating dates created artificial delinquency narrative.

C. ECOA 1691 ( d ) ( 1 ) : Disability Discrimination : Disproportionate harm to medically vulnerable consumer through convoluted disputes.

D. GLBA 6802 : Data Weaponization : Exploited SSN/DOB to harass post-debt cancellation despite XXXX Privacy Policy. 
III. Documented Harm Impact Evidence Credit Collapse ( XXXX  XXXX ) XX/XX/XXXX credit report showing DFSs {$2600.00} " charged off '' balance XXXX XXXX XXXX XXXX XXXX  rejection letter ( XX/XX/XXXX ) citing credit report Secured Credit XXXX XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ) for collateral-backed card Emotional Distress Hospital records linking stress to XXXX XXXX XXXX XXXX  Demands for Relief Immediate Corrective Action ( 14 Days ) : Update all credit bureaus to : {$0.00} balance " Canceled '' status ( Code XXXX ) Standardized XX/XX/XXXX opening date Delete all references to " XX/XX/XXXX '' and " charged off '' coding. 
Cease-and-Desist Directive : Effective immediately, I demand Discover Financial Services and any associated third parties : Cease Reporting Inaccurate Information : Remove all inaccurate, incomplete, or unverifiable information from my consumer file. 
Cease Unauthorized Data Sharing : Stop sharing my personal information with unauthorized third parties. 
Cease Unauthorized Inquiries : Prevent any unauthorized inquiries into my consumer file. 
Provide a detailed list of all entities that have accessed my file within the last 12 months. 
Failure to comply with this directive will result in further action, including filing complaints with the CFPB, FTC, and Texas Attorney Generals Office, as well as pursuing legal remedies for damages caused by noncompliance.

Financial Restitution : {$100000.00} Total : {$35000.00} ( credit/medical harm ) {$20000.00} ( emotional distress ) {$50000.00} ( punitive damages under FCRA 1681n ) Regulatory Action : CFPB : Audit DFSs XXXX account date reporting under Circular XXXX. 
Texas XXXX : Impose penalties under Tex. Fin. Code 392.401 ( $ XXXX ). 
V. Evidence Attachments DFS Letters : XX/XX/XXXX ( accurate date ) XX/XX/XXXX ( fraudulent " XX/XX/XXXX '' claim ) XX/XX/XXXX ( partial correction ) IRS Form 1099-C ( XX/XX/XXXX ) XXXX Report ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CFPB Portal Submission

Company response to consumer: Closed with explanation