Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Subject : XXXX XXXX Formal Dispute of Inaccurate Credit Reporting, Demand for Correction/Deletion , and Validation Under FCRA 611 ( a ), XXXX XXXX XXXX and XXXX  Compliance XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX To Whom It May Concern : I am writing to formally dispute inaccuracies on my XXXX and XXXX credit reports in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards. Despite 25+ prior disputes ( including CFPB complaints ), these errors persist, causing unjustified score deductions ( XXXX points ) and financial harm. Below are the inaccuracies requiring immediate resolution : XXXX XXXX XXXX XXXX XXXX  Account Disputes XXXX XXXX  1. XXXX XXXX  DISCOVER BANK ( Acct : XXXX ) XXXX XXXX XXXX XXXX XXXX Error XXXX XXXX XXXX  Falsely marked as XXXX missed payments and Currently Late. 
XXXX XXXX XXXX Fact : XXXX XXXX Account closed, paid as agreed, no late payments. 
XXXX XXXX XXXX  Demand : XXXX XXXX Update to Paid as Agreed or delete permanently. 

2. XXXX XXXX XXXX XXXX XXXX ( Acct : XXXX  ) XXXX XXXX XXXX XXXX XXXX Error : XXXX XXXX  Incorrectly listed as 4 missed payments and Currently Late. 
- XXXX XXXX Fact : XXXX XXXX Payments current ; account closed. 
- XXXX XXXX Demand : XXXX XXXX Remove all late notations or delete. 

3. XXXX XXXX XXXX XXXX ( Acct : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2 late payments ( misreported ). 
- XXXX XXXX XXXX XXXX XXXX XXXX  7 late payments ( misreported ). 
- XXXX XXXX Fact : XXXX XXXX On-time payments per XXXX  ( 0 lates ). 
- XXXX XXXX Demand : XXXX XXXX Align reporting to 0 lates across all bureaus. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Duplicate accounts ( 3 lates and 1 late ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Duplicate accounts ( 4 lates each ). 
- XXXX XXXX Fact : XXXX XXXX No late payments. 
- XXXX XXXX Demand : XXXX XXXX Merge/delete duplicates ; correct to 0 lates. 

XXXX XXXX XXXX XXXX XXXX  Legal Basis XXXX XXXX XXXX XXXX XXXX FCRA 611 ( a ) : * * Requires investigation of disputes within 30 days. 
- * * XXXX XXXX Compliance : * * Late payments must reflect * actual * delinquency, not unverified claims. 
- * * XXXX  Failures : * * Systemic mishandling of disputes violates accuracy obligations. 

# # # * * Demands * * 1. * * Immediate Correction : * * Update all accounts to Paid as Agreed, 0 lates, and remove duplicates.

2. * * Validation Proof : * * Provide documented proof of how prior disputes were verified under FCRA 623 ( a ) ( 8 ).

3. * * Deletion : * * If validation fails, delete all disputed accounts permanently.

4. * * Score Reassessment : * * Recalculate my credit scores to reflect 100 % payment history. 

# # # * * Deadline * * Failure to resolve within * * 15 days * * will compel me to pursue legal remedies under FCRA 616 ( willful noncompliance ) and state law for damages, including : - Actual damages ( XXXX credit score loss ). 
- Statutory penalties ( {$1000.00} {$3500.00} per violation ). 
- Attorney fees. 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : [ ( XXXX ) XXXX ] * * CC : * * Consumer Financial Protection Bureau ( CFPB ) | State Attorney General Send proof of validation letters via certified mail ( return receipt requested ) to all bureaus and the CFPB. I would like to retain copies for legal purposes.

Company response to consumer: Closed with explanation