Consumer complaint received 2025-07-02 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:
Consumer : XXXX XXXX Company : Discover Bank Subject : Failure to Respond to Credit Reporting Dispute FCRA Violation Account Reference : Account ending in XXXX, reported balance of approximately {$5000.00} with a stated credit limit of {$4000.00} Summary : I am submitting this complaint because Discover Bank has failed to respond to a written credit reporting dispute I mailed via certified mail on XX/XX/year>, and re-sent via UPS Express on XX/XX/year>, after USPS failed to confirm delivery. The dispute challenged the accuracy and validity of the tradeline they are furnishing to consumer reporting agencies. As of todays date, I have received no response, verification, or documentation from Discover. 

Timeline : XX/XX/year> : Dispute letter mailed via USPS Certified Mail ( see Exhibit A ). 
XX/XX/year> : Dispute re-sent via UPS Express. 
XX/XX/year> : UPS confirmed delivery. 
XX/XX/year> : Still no response received. 

Dispute Details : In my original dispute, I raised specific concerns about the accuracy of the balance and status being reported. In particular, I questioned the legitimacy of the balance shown especially where it exceeded or misaligned with the accounts credit limit. I also disagreed with the payment history reported in light of the fact that the actual payments field is not furnished and requested the following documentation : 1. All monthly billing statements.

2. A complete list of all transactions contributing to the reported balance.

3. Proof that the transactions were authorized or signed by me.

4. Documentation showing that statements, delinquency notices, and charge-off notices were mailed or electronically delivered to me.

5. A full accounting of all payments made, including how and when they were applied.

6. A copy of the original signed agreement with terms and conditions.

7. Documentation showing I was properly and timely notified of any late payments and the charge-off status.

8. Proof that Discover Bank owns and services the account and has the legal right to furnish data to the CRAs.

9. Any records, notes, or data logs used to verify or update the account with credit bureaus.

10. All internal investigation notes and dispute-handling records related to this account.

To date, none of these items have been provided.

Request for CFPB Action : I respectfully request that the CFPB : 1. Investigate whether Discover Bank is complying with its obligations under FCRA.

2. Determine whether the account should be removed due to the lack of verification.

3. Take appropriate enforcement action if the institution is found to be systemically failing to investigate disputes properly.

Relief Requested : Immediate deletion of the Discover tradeline from all consumer credit reports if verification is not possible.

Investigation into Discovers FCRA compliance practices.

Attached Exhibit : Exhibit A USPS Certified Mail Receipt ( XX/XX/year> ) Note : The original dispute letter is available upon request and contains detailed verification demands consistent with FCRA guidelines.

Company response to consumer: Closed with explanation