Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MS

Complaint narrative:
DISCOVER FINANCIAL SERVICES you furnished alleged transactions on my XXXX, XXXX XXXX XXXX report that you identified as late. 

XXXX : XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Definitions ; rules of construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 


A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you're not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681 ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a
payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the late payment marks/ transaction you have listed as late in addition in IN GOOD FAITH i request that you update any and all late payments to XXXX, XXXX XXXX XXXX as " PAANL '' ( PAID AS AGREED NEVER LATE ) : Late Payments Listed Below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * These late payments are hindering me from being able to obtain an apartment and a vehicle UPDATE THIS ACCOUNT IMMEDIATELY*

Company response to consumer: Closed with explanation