Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Discover Card for materially inaccurate, misleading, and legally inconsistent credit reporting related to a closed credit card account that continues to be reported as delinquent without required federal tax compliance. This complaint is submitted directly by me, the consumer, with no third party or credit repair organization involved. Account Information Creditor : Discover Card Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Credit Limit : {$1800.00} Highest Balance : {$2300.00} Current Status : Closed past due Balance Reported : {$2300.00} Status Updated : XX/XX/XXXX Discover reports this account as closed at the credit grantors request, while simultaneously reporting escalating delinquency up to XXXX days past due. Failure to Issue Required IRS XXXX XXXX XXXX reporting reflects that this account has reached the maximum delinquency threshold ( XXXX days past due ) and is closed by the creditor, which constitutes an identifiable cancellation-of-debt event under federal law. Pursuant to XXXX XXXX. XXXX and XXXX C.F.R. XXXX, a creditor is legally required to issue IRS Form XXXX when {$600.00} or more of debt is canceled or XXXX, including through charge-off, abandonment, or similar creditor action. Despite reporting a balance of {$2300.00}, Discover has : Failed to issue or provide Form XXXX Continued furnishing the debt as past due Avoided mandatory XXXX tax reporting obligations A creditor can not lawfully : Close an account at its own request, Allow the debt to reach XXXX days delinquent, Avoid issuing a required XXXX, and Continue reporting the debt as collectible and delinquent. If the debt was canceled Form XXXX is required If the debt was not canceled XXXX delinquency reporting is inaccurate XXXX scenario renders the current reporting false and misleading. XXXX XXXX and Reporting Accuracy Violations Under XXXX XXXX reporting standards, an account can not continue to accrue delinquency statuses after creditor-initiated closure without misrepresenting the legal status of the obligation. Discovers reporting falsely suggests an active, collectible delinquency, while simultaneously stating the account was closed by the creditor, which is materially misleading to consumer reporting agencies. Fair Credit Reporting Act ( FCRA ) Violations Discovers conduct violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate or materially misleading 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation following dispute 15 U.S.C. 1681c ( a ) Improper continued reporting of derogatory information inconsistent with account status This tradeline was previously disputed and updated in XX/XX/XXXX, yet the same inaccuracies persist. Demand for Relief I hereby demand that Discover Card take XXXX of the following actions immediately : Delete this tradeline from all consumer reporting agencies due to inaccurate and misleading reporting ; and Remove all delinquency history inconsistent with creditor-initiated account closure. Failure to correct this reporting constitutes willful noncompliance with XXXX law. This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) for regulatory review and enforcement. Please provide a written response within the CFPB-mandated timeframe.

Company response to consumer: Closed with explanation