Consumer complaint received 2025-11-15 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:
Discover is reporting inaccurate and harmful information, failed to investigate my disputes, and used bad-faith tactics to avoid responding to the CFPB. 

XXXX. Background and How I Discovered the Issue : I recently learned that Discover has been reporting harmful and inaccurate information about my account for a significant period of time. I was unaware of the extent of the damage because I did not previously understand how to read my reports in detail. 

Once I learned how to accurately review my credit reports, I found several major factual errors, including the reporting of credit activity after the account was closed, which makes the data unreliable and misleading. 

The account is reported as Closed on XX/XX/XXXX, yet Discover continues to furnish new derogatory information in late XXXX and into XXXX, including : -new late payments -updated balance information -updated past due amounts -updated payment history -updated utilization ( reported as 134 % ) -updated reporting dates into XX/XX/XXXX. 

A closed or charged-off account can not legally or logically update new late payments or utilization. This is factually impossible and violates : -FCRA 623 ( a ) ( 1 ) ( A ) prohibition on furnishing inaccurate data -FCRA 623 ( a ) ( 2 ) failure to update/correct inaccurate information -FCRA 607 ( b ) credit bureaus duty of maximum accuracy 1a. Utilization percentage is being reported on a closed account ( 134 % ). Closed/charged-off accounts have no active credit limit, therefore no utilization calculation. This is categorically inaccurate. 

XXXX. Late payments are reported after the last actual payment ( XX/XX/XXXX ) and after the closure date ( XX/XX/XXXX ). This is structurally impossible. 

XXXX. A past-due amount is reported despite the account being charged off. Charge-off balances and past-due balances are mutually exclusive. 

XXXX. Duplicate dispute remarks appear ( Dispute resolved reported by grantor ). This signals inconsistent furnishing and violates FCRA accuracy standards. 

XXXX. The account is not marked as consumer disputes this account despite prior disputes. This violates FCRA 623 ( a ) ( 3 ). 

These entries are incorrect, misleading, and harmful, and they violate several federal laws including FCRA, Regulation V furnisher rules, and the prohibition on unfair/deceptive/abusive practices under the CFPA. 

Inaccuracies and Legal Violations FCRA Violations : -Failure to conduct a reasonable dispute investigation 1681s-2 ( b ) Regulation V Violations ( 12 CFR 1022 ) : -Failure to respond to direct disputes -Failure to reinvestigate -Failure to provide substantiating documentation XXXX. Discovers Conduct During My First CFPB Complaint ( this week XXXX ) : After my CFPB complaint was filed on XX/XX/XXXX, I received XXXX phone calls and voicemails from XXXX in Discovers Executive Office of Consumer Advocacy . I immediately responded by email on XX/XX/XXXX at XXXX XXXX, using the email address she provided in her voicemail left on XX/XX/XXXX at XXXXXXXX XXXX 
I received no response. The following day XX/XX/XXXX at XXXXXXXX XXXXXXXX, I sent a second email to follow up. Again, I received no written reply. 

Instead, on XX/XX/XXXX at XXXXXXXX XXXX  she placed another phone call and left another voicemail. I then sent my third and final email at XXXXXXXX XXXX, but still did not receive a response. The representative refused to respond to my emails or address the substance of my complaint in writing. Even after I had clearly stated that I need a written response from Discover so there would be documented record of their review and proposed resolution. 

Phone calls with no written follow-up do not resolve the matter and prevent transparency or accountability. To date, Discover has not addressed any of the issues raised in my initial complaint, including the inaccurate and improper actions/reporting that are causing ongoing harm. Their repeated phone callswithout any written communication or response to my emailsappear to be an attempt to avoid creating a documented record. 

Discover then told the CFPB they could not respond because of an unauthorized third party, which is not true I am the account holder, and I responded immediately in writing. Because the representative refused to communicate in writing, I had no way to provide written authorization directly. 

XXXX. Authorization Provided : To avoid any further obstruction, I am providing a written authorization along with this complaint so Discover can not use this excuse again.

Company response to consumer: Closed with non-monetary relief