Consumer complaint received 2024-11-01 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: NJ

Complaint narrative:
I was looking at my recent credit report and I have some concerns regarding two charge-off accounts reported by Discover on my credit report. The reported information contains inaccuracies, which violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a comprehensive disclosure of Discovers documentation and procedures supporting the data provided to credit reporting agencies. 

Specifically, I am requesting the following : All Communication and Documentation Between Discover and the Credit Bureaus Provide all records of communication between Discover and the credit reporting agencies relating to my accounts and consumer report, including but not limited to : Emails, letters, reports, and electronic communications Any internal memos or other correspondence concerning my consumer report or disputed items. 
Comprehensive Documentation on Discovers FCRA Compliance Procedures I request all records detailing Discovers procedures for ensuring compliance with FCRA standards, including : Records of training sessions, including attendance logs, training content, and frequency of FCRA-related training Written policies, procedures, or guidelines outlining Discovers approach to ensuring accuracy in consumer reporting Reports or audit findings assessing Discovers adherence to FCRA standards. 
Complete Chain of Title for Both Accounts in Question I am requesting the complete chain of title for both accounts as maintained by Discover, including any account ownership transfers or changes since the accounts ' origination. This does not refer to billing statements but rather to all documents showing the history of account ownership and any transfers. 

Procedures for Resolving Consumer Disputes Related to Consumer Reporting Please provide documentation that outlines Discovers procedures for resolving consumer disputes or complaints, including : Any documents describing policies or steps Discover follows to handle consumer complaints or disputes specifically related to credit reporting accuracy. 
Original Note and Contract with Wet Signature Please provide the original promissory note or any equivalent loan agreement, signed by me with a wet signature, along with the full, unaltered original contract associated with each account in question. 

Under the FCRA, Discover is responsible for ensuring that it furnishes accurate information and that any information disputed by a consumer is verified appropriately. This request serves as an opportunity for Discover to fulfill these obligations by providing documentation that demonstrates compliance with FCRA standards and verifies the accuracy of information currently reported to the credit bureaus. 

Please send the requested documentation to my address listed above within 14 days of receipt I will have no choice but to file the attached arb demand with the American Arbitration Association respectfully.

Company response to consumer: Closed with explanation