Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Discover Bank and XXXX  for ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) that were worsened after a recent reinvestigation.

Despite my original dispute submitted in XX/XX/XXXX, XXXX  and Discover have failed to correct and in fact intensified their illegal and inaccurate reporting of the following account : Creditor : Discover Bank Partial Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Reported Balance : {$2500.00} Status : Charge-Off ( CO ), monthly Reporting Bureau : XXXX Updated as of : XX/XX/XXXXXXXX  Key Violations ( Still Present After Reinvestigation ) 1. Repeated Charge-Off Reporting ( CO ) Every Month CO is being reported monthly from XX/XX/XXXXXXXX  through XX/XX/XXXX, which is factually and legally incorrect. A charge-off is a one-time event, not a recurring status. 
FCRA 623 ( a ) ( 1 ) ( A ) violation 2. Post-Closure Late Payments The account allegedly closed in XX/XX/XXXX, yet XXXX  continues to report lates through XX/XX/XXXXXXXX  including 30/60/90/120/150/180-day lates after charge-off and closure.

FCRA 623 ( a ) ( 5 ) 3. Balance Inflation Without Documentation The balance jumped from {$530.00} in XX/XX/XXXXXXXX  to {$2500.00} by XX/XX/XXXXXXXX  with no statement, itemized charges, or breakdown. 
FCRA 1681s-2 ( b ), FDCPA 809 4. Contradictory Information Across Bureaus XXXX  shows the account as closed in XX/XX/XXXX, but XXXX  reports no closure and continues adding late payments. 
FCRA 1681e ( b ) 5. Failure to Properly Investigate My dispute clearly outlined these violations. Instead of deleting or fixing the tradeline, XXXX  updated the charge-off to XX/XX/XXXX, worsening the harm. 
FCRA 1681i ( a ) failure to conduct a reasonable reinvestigation. 
XXXX. No Debt Validation Despite Legal Action I am currently being sued over this tradeline but have never received validation of the debt, including a contract, itemized charges, or statements. 
FDCPA 809 ( 15 U.S.C. 1692g ) Harm and Urgency This account is being used in legal proceedings against me. The false data is causing : 1. Credit score damage 2. Legal and financial hardship 3. Reputational harm 4. Emotional distress This is not a request for correction. I am demanding immediate deletion of the tradeline due to systemic, willful violations.

Action Requested I am requesting the CFPB to : 1. Investigate Discover Banks and XXXX  repeated FCRA and FDCPA violations 2. Require full deletion of the Discover tradeline from all credit bureaus 3. Demand full Section 609 verification ( name of verifier, documents used, original contract, and billing breakdown ) 4. Enforce penalties for willful noncompliance and misleading credit reporting 5. Require immediate notification to me of actions taken and all responses from the data furnisher Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXXXXXX  SSN ( last 4 ) : XXXX Address : XXXX XXXX XXXX, XXXX XXXX NC XXXX Attachments : Government-issued ID Before/After credit report excerpts Original dispute letter Highlighted payment history showing violations

Company response to consumer: Closed with explanation