Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX has continued to report unknown/late account information on my credit report related to an account that was previously charged off. Reporting unverifiable, inaccurate, or incomplete information to any credit bureau is a direct violation of 15 U, S, C, 168s-2 [ a ] .Despite the charge-off, they have continued to update the status of this account in a way that negatively impacts my credit score - this includes new activity and balance updates, - reopen account long after the account was closed XXXX XXXX and charged off. Furthermore, Discover is reporting that I owe { {$15000.00} } on a credit card that had a maximum limit of { {$8100.00} }. This suggests that either predatory overcharging, illegal fees, or outright inaccurate reporting. Under the FCRA, furnishers of credit data are required to report only complete and accurate information. Reporting a balance higher that of the maximum credit limit is clear evidence of inaccuracy. What Discover is doing may be illegal due to the following reasons : XXXX. Re-aging or updating a charged-off account to make it appear active, which can unfairly extend the statute of limitations and the reporting period. XXXX. Reporting a balance that exceeds the account 's credit limit, which is not only inaccurate but suggests deceptive practices. XXXX. Continuing to furnish disputed information to the credit bureaus without resolving the dispute or verifying the data, which violates FCRA Section 623. I have submitted multiple disputes under the Fair Credit Reporting Act ( FCRA ), yet the data remains inaccurate and unverified. The furnisher has failed to comply with : FCRA 1681i ( a ) ( 1 ) ( A ) by not properly reinvestigating the disputed data within the statutory period ; FCRA 1681s-2 ( b ) ( XXXX ) ( A ) - ( D ) by failing to conduct a reasonable investigation, review all relevant information, and delete information found to be inaccurate ; FCRA 1681e ( b ) by failing to establish and follow reasonable procedures to ensure the maximum possible accuracy of the information reported ; FCRA 1681s-2 ( a ) ( 1 ) ( A ) by continuing to report disputed information without proper verification or notification of dispute status ; FCRA 1681g and 1681h by failing to provide requested disclosures, contracts, and original documentation validating the debt. The creditor has not provided a signed agreement, detailed billing records showing {$7500.00} added to {$8100.00} card limit or verified evidence supporting the accuracy of the data. The continued reporting despite lack of substantiation constitutes willful and negligent noncompliance. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. which may trigger civil liability under FCRA 1681n and 1681o. I respectfully request that the CFPB investigate this matter and assist in having this threadlike mark removed from my credit report. CFPB took action against XXXX XXXX for failing to provide proper disclosures about credit card fees and penalties. This case highlights the importance of transparency and the consequences of failing to notify consumers of changes to their account terms. This should not have occurred, and Discover lack of accountability must be addressed. 

CFPB Warning letters ; Sometimes the CFPB will send a warning letter to advise recipients that certain actions may violate federal consumer financial law. These are not accusations of wrongdoing. Instead, they are meant to help recipients review certain practices and ensure that they comply with federal law. 

Footnotes ; ; ; Date filed : XX/XX/year> XXXX  XXXX XXXX XXXX On XX/XX/year>, the Bureau issued an order against XXXX  XXXX XXXX XXXX to address its violations relating to its furnishing of inaccurate consumer reporting information.

Company response to consumer: Closed with non-monetary relief