Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am formally disputing the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and the Truth in Lending Act ( TILA ) 15 U.S.C. 1641 ( g ).

I have identified multiple legal violations regarding these accounts, and failure to correct these errors within 30 days will result in formal legal action against your agency for willful noncompliance. 
ACCOUNTS IN DISPUTE : Account- XXXX  XXXX - XXXX FCRA Violations : 607 ( b ) : Maximum accuracy violated The account is listed as charged off, yet reports no credit limit on XXXX, which misrepresents account details.

605 ( a ) ( 5 ) : Delinquency dates are over XXXX XXXX XXXX, with no current activity. This account may be illegally re-aged.

Inconsistent Reporting : XXXX  reports OK payment history for multiple months while XXXX  reports CO for the same time these can not both be accurate. 
Account- XXXX XXXX - XXXX FCRA Violations : 607 ( b ) : Maximum accuracy violated The account is listed as charged off, yet reports no credit limit on XXXX, which misrepresents account details.

605 ( a ) ( 5 ) : Delinquency dates are over XXXX XXXX XXXX, with no current activity. This account may be illegally re-aged.

Inconsistent Reporting : XXXX  reports OK payment history for multiple months while XXXX  reports CO for the same time these can not both be accurate. 
Account- XXXX  XXXX FCRA Violations : 607 ( b ) : Reporting of charged off and closed due to inactivity is contradictory.

611 ( a ) : Payment status listed as Collection/Chargeoff, yet the account is closed and no verifiable payment activity has occurred since 2019.

609 ( a ) : I demand complete documentation verifying ownership, terms, and charge-off status of this account.

LEGAL DEMANDS & GROUNDS FOR DELETION 1. PROOF OF DEBT OWNERSHIP REQUIRED ( 15 U.S.C. 1641 ( g ) ) Under TILA 15 U.S.C. 1641 ( g ), if a debt is sold or transferred, the new owner must provide proper notification and proof of assignment. 
The original creditor has already been paid via securitization and no longer owns this account. 
If no legally admissible proof of ownership is provided, this account must be deleted immediately. 
Required Action : REMOVE the account or provide the full chain of ownership with original signed agreements proving legal standing.

2. FAILURE TO CONDUCT A REASONABLE INVESTIGATION ( 15 U.S.C. 1681i ( a ) ) Under the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable investigation upon dispute.

Simply verifying data with a creditor is NOT a valid investigation.

If you claim this information is verified, provide the method of verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 2 ) ( B ).

Required Action : REMOVE the account if no legitimate MOV and full documentation is provided.

3. FALSE & MISLEADING REPORTING BY THE ORIGINAL CREDITOR ( 15 U.S.C.

1681s-2 ( a ) ) If the original creditor sold or charged off this debt, they are no longer the legal owner, yet they are still reporting it.

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), inaccurate reporting must be corrected or removed. 
If the creditor was paid via securitization or insurance write-off, they must update the tradeline to Transferred/Sold or remove it completely. 
Required Action : DELETE the account immediately if the original creditor has no current ownership rights.

4. FAILURE TO REPORT A CHARGED-OFF ACCOUNT CORRECTLY ( GAAP & IRS LAWS ) According to GAAP ( Generally Accepted Accounting Principles ) and IRS reporting laws, a charge-off means the original creditor wrote off the debt as a loss.

If a charged-off account was sold, the creditor has no right to continue reporting a balance or updating the status. 
Reporting a balance on a charged-off account is falsifying financial information, which is deceptive under 15 U.S.C. 45 ( FTC Act ).

Required Action : REMOVE the charge-off immediately, or provide accounting records proving the creditor still legally owns the balance.

5. COLLECTION AGENCY VIOLATIONS UNDER FDCPA ( 15 U.S.C. 1692g & 1692e ) If this account is now with a debt collector, I demand full validation under FDCPA 1692g.

Collection agencies must prove : o A valid assignment from the original creditor.

o A signed contract showing I agreed to this debt transfer.

o A full payment history proving what is allegedly owed.

If the collection agency can not provide all of the above, they are in violation of FDCPA, and the debt must be removed. 
Required Action : DELETE the collection account immediately if the collector can not provide all required validation documents.

Company response to consumer: Closed with explanation