Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation.

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

15 USC 1681s-2 ( a ) ( 7 ) - Negative Information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

XXXX has failed to update outdated addresses- ( from over 25 years ago ) after dispute submitted in XX/XX/XXXX and XX/XX/XXXX. 


Accounts Disputed but NOT resolved : OUTDATED ADDRESS- Experian has failed to remove outdated addresses- ( from over 25 years ago ) after dispute submitted in XX/XX/XXXX and XX/XX/XXXX. This is INACCURATE reporting. XXXX and XXXX only report my current address. 

Discover Acct # XXXX Late payment XXXXPlease see bank statement reflecting ( 2 ) payments in XX/XX/XXXX - ( XXXX XXXX AND XX/XX/XXXX, XXXX This failure to validate/verify the negative Item from the furnisher has resulted in a denial of a recent loan application. 
Discover and XXXX failed to notify me- ( the consumer ) in writing of this negative information stated by law noted above. 

XXXX XXXX Acct : XXXX This account is INCOMPLETE- ( Missing : Payment History-XXXX XXXX  ) and marked Closed XX/XX/XXXX in Payment History- ( THIS ACCOUNT HAS BEEN CLOSED BY XXXXXXXX XXXX XXXX DUE TO INACTIVITY ) -THIS IS REPORTING IN ERROR Dispute-30 Day late reported in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In order for XXXX XXXX to treat this payment as late XXXX XXXX must mail the periodic statement 21 days prior to the due date which I did not receive. 

XXXX XXXX and XXXX failed to notify me in writing of this negative information on my credit report as stated in law above. 

XXXX XXXX Acct # XXXX Dispute 30 day late-reported XX/XX/XXXX, XXXX XXXXIn order for XXXX  XXXX to treat this payment as late XXXX XXXX  must mail the periodic statement 21 days prior to due date. Verify/Validate XXXX XXXX followed the law regarding reporting late payments XXXX XXXX and XXXX failed to notify in writing of this negative information on my credit report as stated in law above.

Company response to consumer: Closed with explanation