Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Response to Closure of Complaint Case # XXXX Regarding Discover Card Account Ending in XXXX Dear CFPB Case Review Team, I am writing to formally address the recent developments concerning my complaint against Discover Financial Services, under the CFPB Case # XXXX. I appreciate the efforts of the CFPB to mediate this issue ; however, there are several discrepancies and procedural concerns that require your immediate attention. 

1. Issue with Updated Dispute Status and Immediate Case Closure Upon review of my credit report on XX/XX/XXXX, I noticed that the dispute status was changed from " account disputed '' to " dispute resolved - reported by grantor. '' This update contradicts Discover 's statement in their communication dated XX/XX/XXXX, in which they assured, " We have reported the account to the credit bureau reporting agencies as? disputed? and will continue to report it as such unless you tell us to stop reporting it as disputed. '' - Argument : The change in dispute status is concerning as it contradicts Discover 's own statement and fails to provide transparency. Moreover, the case was closed without providing me with an opportunity to respond or present further evidence, which undermines the standard procedures of dispute resolution. 

2. Lack of Consideration for Unique Circumstances and Legal Obligations The Cardmember Agreement does not adequately address how unauthorized transactions by minors should be handled, and Discover 's rigid application of policy overlooks the unique context in which this late payment was reported. Under the Fair Credit Reporting Act ( FCRA ), creditors are obligated to ensure maximum possible accuracy in credit reporting. 

-Argument : The continued reporting of the late payment under these circumstances does not accurately reflect my credit behavior and violates FCRA requirements for fair and accurate reporting. 

3. Request for Re-evaluation and Reopening of Case I kindly request the CFPB to : - Reopen Case # XXXX to allow me to provide additional evidence and documentation supporting my request for the removal of the late payment from my credit report. 

- Investigate the Change in Dispute Status to determine if Discover Financial Services acted in compliance with both FCRA regulations and the assurance provided in their communication. 

Conclusion I remain committed to resolving this matter amicably and ensuring that all information reported on my credit profile is accurate and fair. The premature closure of the complaint and the inconsistency in Discover 's reporting require further investigation to uphold the integrity of the credit reporting process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation