Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX CONSUMER COMPLAINT AGAINST : Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT Account # : XXXX AND : XX/XX/XXXXXX/XX/XXXX XXXX XXXX, TX XXXX RE : Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB Representative : I am filing this complaint against both Discover Bank and XX/XX/XXXXregarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information on my credit report. ACCOUNT HISTORY : On XX/XX/XXXX, XX/XX/XXXX confirmed in writing ( dispute results report # XXXX ) that they had REMOVED the Discover Bank account ( # XXXX ) from my credit report following my dispute. However, this account was later reinserted without the required 5-day notification as mandated by the FCRA Section 611 ( a ) ( 5 ) ( B ). VIOLATIONS : 1. ILLEGAL REINSERTION WITHOUT NOTICE : XX/XX/XXXXreinserted previously deleted information without providing the legally required 5-day written notice, violating FCRA Section 611 ( a ) ( 5 ) ( B ). 2. FAILURE TO CONDUCT REASONABLE INVESTIGATION : Despite multiple disputes highlighting factual inaccuracies, both Discover Bank and XX/XX/XXXXhave failed to conduct reasonable investigations as required by FCRA Sections 611 ( a ) and 623 ( b ). 3. REPORTING FACTUALLY IMPOSSIBLE INFORMATION : The account reports a credit limit of {$700.00} with a highest balance of {$830.00}, which is a mathematical impossibility. 4. MISREPRESENTATION OF PAYMENT HISTORY : The account shows identical payment dates ( " Paid {$0.00} on XX/XX/XXXX '' ) across multiple reporting months from XX/XX/XXXX through XX/XX/XXXX, which is clearly erroneous. 5. FAILURE TO MAINTAIN REASONABLE PROCEDURES : XX/XX/XXXXhas failed to follow reasonable procedures to ensure maximum possible accuracy of the information, as required by FCRA Section 607 ( b ). PREVIOUS ATTEMPTS TO RESOLVE : I have submitted multiple disputes to XX/XX/XXXX regarding this account, most recently on [ date of your most recent dispute ]. Despite providing clear evidence of the inaccuracies, including the previous deletion confirmation, both XX/XX/XXXX and Discover Bank continue to report this inaccurate information. HARM CAUSED : This ongoing inaccurate reporting has : - Damaged my credit score - Prevented me from obtaining favorable interest rates - Caused emotional distress and wasted considerable time - Created financial hardship due to credit denials REQUESTED RESOLUTION : I request that the CFPB require : 1. Immediate removal of this account from my credit reports 2. Investigation into XX/XX/XXXX 's failure to provide required notice of reinsertion XXXX. Investigation into both parties ' failure to conduct proper investigations 4. Appropriate penalties for violations of the FCRA 5. Monitoring to ensure compliance with all FCRA requirements I have attached copies of relevant documentation, including the XX/XX/XXXX deletion confirmation and my current credit report showing the improper reinsertion. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief