Consumer complaint received 2025-08-17 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: NV

Complaint narrative:
Re : Immediate Action Required- Violation of United States Law : 15 U.S.C. 1666b ( Billing Error ), Fair Credit Reporting Act ; 15 U.S.C 1681a ( 2 ) ( A ) ( i ), 15 U.S.C 6802, and 15 U.S.C. 1637 ( b ) To Whom It May Concern, Upon recent review of my consumer credit report I identified multiple serious billing errors in direct violations of the Truth in Lending Act ( TILA ). I am writing to formally dispute certain late payment entries listed on my credit report, which I believe to be inaccurate or improperly disclosed. Under federal law, I am entitled to a reinvestigation of this matter, and I respectfully request that any unverifiable, incorrect, or misclassified information be promptly removed or corrected. 
Disputed Account Details : Creditor Name : Discover Card Account Number : XXXX  XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX Dispute Summary : My records and payment history suggest that these reported late payments may have been made within the required timeframe or were misclassified in a way that violates federal consumer reporting guidelines.

Legal Grounds for Dispute : 15 U.S.C. 1666b : Mandates a minimum 21-day grace period before a payment can be reported as late.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Excludes information based solely on experiences between a consumer and a creditor from the definition of a consumer report, making such data impermissible if reported improperly.

15 U.S.C. 6802 : Prohibits unauthorized or improper disclosure of consumer financial information under the Gramm-Leach-Bliley Act.

15 U.S.C. 1637 ( b ) : Requires creditors to provide clear, itemized billing statements for each cycle where a balance or finance charge exists. If such documentation is missing or deficient, any reported delinquency lacks legal substantiation. 

I am formally disputing the validity and accuracy of the account currently listed under the name XXXX XXXX ( with two Ls ). Please be advised that XXXX XXXX is the correct legal spelling of his name, as confirmed by the attached government-issued identification. 
This discrepancy in the spelling of his name raises serious concerns regarding the integrity of your records and the legitimacy of the account in question. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to dispute inaccurate information and to request full validation of any alleged debt. 
Accordingly, I am requesting the following : 1. Immediate correction of the name on all records to reflect the accurate spelling : XXXX XXXX 2. Full validation of the alleged debt, including : A copy of the original signed contract or agreement A complete payment history Proof of ownership and legal standing to collect 3. Cessation of all collection activity until the above requests are fulfilled and the account is verified to be accurate and legally enforceable Please note that continued reporting or collection activity using inaccurate personal information may constitute a violation of federal consumer protection laws and will be documented accordingly. 
This letter serves as formal notice under 15 U.S. Code 1692g and 15 U.S. Code 1681i, and any failure to respond appropriately may result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies.

Company response to consumer: Closed with non-monetary relief