Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN ( last four ) : XXXX : XX/XX/XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Discover Financial Services XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Cc : Discover Financial Services XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX Re : Account # XXXX Continued FCRA Violations ; Demand for Deletion & Damages Dear XXXX and Discover Financial Services : Despite my XX/XX/XXXX dispute filed via the CFPB ( Case No. XXXX ), you continue to report my Discover account ending in XXXX as Account Paid in Full, was a charge-off, and maintain a perpetual disputed flag without correcting any underlying inaccuracies. Your conduct flagrantly violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : Misleading Charge-Off Reporting ( 15 U.S.C. 1681s-2 ( b ) ) : You report a charge-off status even though my balance is {$0.00} and a Notice of Satisfaction and Release of Lien was filed on XX/XX/XXXX. Continuing to furnish was a charge-off misrepresents my current account status and confuses lenders. 
Failure to Reinvestigate & Correct ( 15 U.S.C. 1681i ) : Following my dispute, you were required to investigate and corrector deleteany information you could not verify. Instead, you left every erroneous data point intact.

Stale Dispute Flag ( 15 U.S.C. 1681a ( k ) ; 1681i ( a ) ( 5 ) ) : You refuse to remove the disputed tag now that your investigation is complete. FCRA requires removal of a dispute indicator within 30 days of reinvestigation. 
Inaccurate Date & Balance Fields ( 15 U.S.C. 1681e ( b ) ) : Any remaining discrepancies in Date Opened, Date of Last Activity, Date of Charge-Off, or Balance each constitute separate violations of your duty to furnish accurate, complete, and uniform information. 
Demand for Relief Within XXXX business days of this letter, you must : Delete Account # XXXX in its entirety from all consumer reporting agencies ( XXXX, XXXX, XXXX ) ; Remove the disputed flag from any reports ; Pay statutory damages of {$1000.00} per willful violation under FCRA 1681n ( I will calculate and itemize each violation following your response ) ; Provide written confirmation that you have completed these actions, including the dates on which each credit bureau was notified. 
Next Steps if You Fail to Comply If you do not fully comply by XX/XX/XXXX, I will : File suit in federal court under FCRA 1681n for willful violations, seeking actual and punitive damages plus attorneys fees ; Initiate arbitration under our Cardmember Agreement through the ICDR ( XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ; Notify the Consumer Financial Protection Bureau, Federal Trade Commission, and Virginia Attorney General of your ongoing misconduct. 
This letter constitutes your final opportunity to cure these violations and avoid escalated legal action. I look forward to your prompt, written confirmation of deletion and payment of statutory damages. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Discover Financial Services XXXX XXXX ( Attn : Chief Compliance Officer ) XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX Consumer Financial Protection Bureau Virginia Attorney Generals Office

Company response to consumer: Closed with explanation