Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, State, ZIP XXXX : XXXX, Ga XXXXEmail : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX Dispute Department\n XXXX XXXX XXXX XXXX, TX XXXX XXXX Dispute Department\n XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department\n XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Charged-Off Status under FCRA To Whom It May Concern, I am writing to formally request the removal of the charged-off status associated with my accounts listed below from my credit report. This request is being made in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate, complete, and verifiable. 
Accounts in XXXX : XXXX. Account Name : XXXX XXXX ( Account Number XXXX ) * Charged-Off Amount : {$4800.00} * Date Opened : XX/XX/XXXX * Status Updated : XXXX XXXX XXXX. Account Name : XXXX XXXX ( Account Number XXXX ) * Charged-Off Amount : {$950.00} * Date Opened : XX/XX/XXXX * Status Updated : XXXX XXXX XXXX. Account Name : XXXX XXXX ( Account Number XXXX ) * Charged-Off Amount : {$11000.00} * Date Opened : XX/XX/XXXX * Status Updated : XX/XX/XXXX XXXX. Account Name : DISCOVER BANK ( Account Number XXXX ) * Charged-Off Amount : {$9100.00} * Date Opened : XX/XX/XXXX * Status Updated : XX/XX/XXXX XXXX. Account Name : XXXX XXXX  ( Account Number XXXX ) * Charged-Off Amount : {$8800.00} * Date Opened : XX/XX/XXXX * Status Updated : XX/XX/XXXX Reasons for Removal Request : 1. Inaccurate and Misleading Reporting : \nThe payment history for each of these accounts displays multiple charge-offs ( CO ) reported for several consecutive months. According to the FCRA, a charge-off should be reported only once. Reporting multiple charge-offs for the same account is both misleading and inaccurate, potentially causing unjust harm to my creditworthiness.

2. Inconsistent Payment History : \nThe repeated entries of charge-offs and late payments post-charge-off date are contradictory and raise concerns about the accuracy and validity of the information being reported.

3. Lack of Verification : \nAs per Section 611 of the FCRA, if the information provider can not verify the accuracy of the information within 30 days, it must be promptly deleted from the credit report. I request a thorough investigation and verification of these entries. If the information can not be verified, I insist that the charged-off status be completely deleted from my report. 

Requested Actions : 1. Conduct a reinvestigation of these accounts and their reporting status.

2. Permanently delete the charged-off status if the information can not be verified or if inaccuracies are confirmed. 
3. Provide me with updated copies of my credit report reflecting these changes.

Please consider this letter as a formal dispute under the FCRA and initiate the investigation process immediately. I expect a response detailing the results of your investigation within 30 days. Should you need any further information, feel free to contact me at the phone number or email provided above. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation