Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am filing a complaint against Discover Bank regarding the inaccurate and inconsistent way they are furnishing information about my Discover credit card account to the nationwide credit reporting agencies ( XXXX XXXX XXXX XXXX ). 

The account appears on my credit reports as : Creditor : Discover Card/ Discover Bank Account ending : XXXX * * * * Date opened : XX/XX/XXXX Last payment : XX/XX/XXXX Date closed : XX/XX/XXXX Current status : Charge-off Reported balance : {$740.00} Reported past due : {$740.00} Estimated removal date ( XXXX  ) : XX/XX/XXXX There are multiple factual inconsistencies and incomplete data in the way XXXX is reporting this tradeline to the credit bureaus, which I believe violates the Fair Credit Reporting Act ( FCRA ), including 602, 607 ( b ), and 623 : 1. Closed account showing high balance and credit limit in 2025 : On my XXXX report, Discover is reported as closed on XX/XX/XXXX. However, the same tradeline shows a high balance of {$740.00} from XX/XX/XXXX to XX/XX/XXXX and a credit limit of {$200.00} from XX/XX/XXXX to XX/XX/XXXX. It is not logically possible for a closed account to be generating new high-balance and credit-limit history more than four years later. This inconsistency indicates that the information being furnished by Discover is not accurate, in violation of FCRA 607 ( b ) s requirement for maximum possible accuracy.

2. Incomplete payment history coded as X unknown for over two years : The payment history grid on my TransUnion report shows every month from XX/XX/XXXX through XX/XX/XXXX as X unknown, with no balance and no past-due amounts. At the same time, the pay status is listed as Charge-off, and there is no clear delinquency progression ( such as XXXX, XXXX, XXXX, or XXXX days late ) or clearly reported Date of First Delinquency ( DOFD ). This is incomplete and misleading reporting. A consumer and a lender can not reasonably understand the true history of the account from this data. 

XXXX. Charge-off coding and removal date do not match the reported dates : Discover reports the last payment as XX/XX/XXXX and the date closed as XX/XX/XXXX, but my TransUnion report only begins showing C/O charged off by account provider starting around XX/XX/XXXX and then every month through XXXX. The estimated removal date is shown as XX/XX/XXXX, but there is no clearly disclosed XXXX to support this timeline. This raises concerns that the account may be re-aged or reported in a way that extends the derogatory period beyond what is permitted under FCRA 605. 

XXXX. Nonsensical internal codes in the remarks field : In certain months in XXXX, the remarks field on the tradeline contains codes such as PRL< and DRC/>, which appear to be internal system codes rather than clear, consumer-facing remarks. This makes the tradeline confusing and not reasonably understandable, and in my view is not consistent with accurate and complete reporting. 

I have disputed this information with the credit bureaus and Discover, but the tradeline continues to be reported with these inconsistencies. As the furnisher, Discover has obligations under FCRA 623 to provide information that is accurate and complete, to promptly correct or delete information it knows or should know is inaccurate, and to conduct a reasonable investigation when a consumer disputes information. I do not believe Discover has met these obligations in this case. 

This inaccurate and incomplete reporting is harming me because the Discover charge-off is being used by TXXXX XXXX XXXX XXXX XXXXn my credit files and is visible to potential lenders.

Requested resolution : I am requesting that the CFPB require Discover to : Conduct a reasonable investigation of all information it is furnishing about this account to XXXX XXXX, and XXXX ; and Either ( a ) correct the reporting on all three credit bureaus so that it is fully accurate, complete, and consistent with the actual account history and applicable FCRA time limits, or ( b ) instruct all three credit bureaus to delete the Discover charge-off tradeline entirely if Discover can not substantiate each element of the reporting with original account-level records.

I am attaching copies/screenshots from my XXXX XXXX XXXX XXXXXXXX  reports that show how this Discover account is currently being reported.

Company response to consumer: Closed with explanation