Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Discover Bank XXXX : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Formal FCRA Dispute and Intent to Sue Account [ XXXX ] To Whom It May Concern, I am submitting a formal dispute regarding the inaccurate reporting of my Discover Bank account [ XXXX ] across the three major credit bureaus : XXXX, XXXX, and XXXX. Discover Bank has violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by failing to maintain accurate information and failing to provide an adequate method of verification during my previous dispute. 

Additionally, Discover Bank falsely claimed : Our records indicate the account is reporting correctly to each of the credit reporting agencies. In order to maintain the integrity of the credit reporting agencies we are required to report accurate information and are unable to modify your credit bureau report. 

However, a direct comparison of the credit reports proves Discover Bank is reporting inconsistent and inaccurate information to the bureaus, violating FCRA 1681e ( b ) ( duty to report with maximum possible accuracy ).

1. Factual Inaccuracies & Discrepancies Across Bureaus Upon reviewing my XXXX, XXXX, and XXXX credit reports, I have identified the following material inconsistencies : A. Payment History Discrepancies XXXX XXXX XXXX show detailed late payments ( CO every month, XXXX, XXXX, XXXX, XXXX, 180 days late ). 
XXXX investigation results do not show the same late payment details, creating a conflict in reporting. 
XXXX and XXXX list my last payment as XX/XX/XXXX, while XXXX lists XXXX is impossible since a last payment date should be the same across all reports. 

This proves Discover Bank is providing conflicting data to different bureaus, violating FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( B ).

B. Different Charge-Off Notations XXXX states Account charged off. {$11000.00} written off. 
XXXX states Charge-off but still updates the balance monthly, which violates the FCRA because once a charge-off is completed, Discover can not continue reporting a past-due balance. 
XXXX states Charged Off as Bad Debt without detailed payment history, contradicting XXXX and XXXX. 

This inconsistency violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which mandates accuracy in furnishing information.

2. Failure to Provide a Legally Compliant Method of Verification ( FCRA 611 ( a ) ( 7 ) ) During my dispute, Discover Bank failed to provide an adequate method of verification by not disclosing : Who they contacted to verify the account.

The date and time of verification.

Copies of the actual documentation used to verify the debt. 

The attached XXXX dispute results merely state that the information was verified as accurate but provide no actual verification details. This is a clear violation of FCRA 611 ( a ) ( 7 ), which legally requires Discover to disclose their verification process upon request.

Because Discover has failed to verify this account in a compliant manner, the law requires its immediate deletion.

3. Willful Noncompliance & Consumer Harm ( FCRA 1681n & 1681o ) Discover Banks refusal to correct these inconsistencies and inaccuracies has caused me significant financial harm, including but not limited to : Higher interest rates on loans. 
Denials of new credit applications due to this erroneous negative information. 
Emotional distress from having to dispute this fraudulent reporting multiple times. 

Under FCRA 1681n, willful noncompliance entitles me to : {$1000.00} per violation in statutory damages.

Actual damages for financial harm and distress.

Attorney fees and court costs.

DEMAND FOR IMMEDIATE ACCOUNT DELETION WITHIN 48 HOURS Due to Discovers failure to comply with FCRA laws, I am demanding the immediate deletion of this account from XXXX, XXXX, and XXXX within XXXX hours of receipt of this letter. 

If Discover does not comply, I will proceed with legal action for : Knowingly reporting false information ( FCRA 1681s-2 ).

Failure to investigate disputes properly ( FCRA 611 ).

Willful noncompliance resulting in financial and emotional damages ( FCRA 1681n ).

This is my final notice before I proceed with : 1. Filing a lawsuit in federal court seeking statutory and actual damages.

2. Reporting Discover Bank to the California Attorney General for unfair business practices. 

If I do not receive written confirmation that this account has been permanently removed from my credit reports within 48 hours, legal action will follow immediately.

I expect a written response within two business days of receipt of this letter. If you require any additional information, you may contact me in writing only at the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation