Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
This is not a duplicate complaint. This submission concerns new and separate violations that occurred after Discover responded to my prior CFPB complaint on XX/XX/XXXX. Following the closure of that complaint, Discover made multiple unauthorized changes to my credit file, including altering the charge-off date twice ( from XX/XX/XXXX to XX/XX/XXXX ), adding new derogatory information, and modifying payment history entriesall without notice, without authorization, and while a federal investigation was ongoing. These changes occurred between XXXX XXXX XXXX and are documented in the screenshots attached to this complaint. Because these new violations did not exist at the time of my previous submission, they could not have been included in any earlier complaint. This filing addresses new misconduct, new reporting inaccuracies, and new evidence that surfaced only this week I am submitting this complaint regarding Discover Bank for ( 1 ) materially inaccurate reporting, ( 2 ) unauthorized changes to my account information during an active investigation, ( 3 ) contradictory and misleading responses, and ( 4 ) violations of the FCRA, Regulation V, and CFPB furnishing requirements.

This complaint includes new evidence discovered after my initial CFPB submission on XX/XX/XXXX, including Discover altering the charge-off date on my account twice within one week, with no authorization, no notice, and no explanation while simultaneously claiming they can not make changes without my authorization. Their conduct appears intentional and retaliatory. 

A screenshot of the XX/XX/XXXX report showing Charge-Off Date : XX/XX/XXXX is attached. My current report now shows Charge-Off Date : XX/XX/XXXX. 

1. Background On XX/XX/XXXX, I filed a CFPB complaint after discovering that Discover had been furnishing multiple serious inaccuracies about my account for over two years, including : Reporting a charged-off balance every single month for more than a year Reporting $ XXXX in utilization monthly, despite the account being closed Reporting dates that do not follow the actual account history Reporting a charge-off that did not occur in XXXX Multiple remark code changes Inconsistent and shifting derogatory information These errors have caused severe, ongoing credit damage. 

Discovers XX/XX/XXXX fraud investigation ( unrelated to this complaint ) concluded no fraud, but I made no assertions in this CFPB complaint regarding account ownership or fraud verification. Discovers response mischaracterized my complaint entirely, and they failed to address any of the issues raised. 

2. Discovers CFPB Response Material Omissions and Misrepresentations Discovers written response to my complaint : Ignored every actual issue I raised Failed to address the ongoing inaccurate reporting Claimed they can not make changes without authorization Claimed they validated the account, which I did not dispute Provided zero explanation for the reporting inconsistencies Did not address the year-long rolling charge-off reporting Did not explain the $ XXXX monthly utilization Did not explain the dates that contradict my statements and their own records Did not explain why the charge-off date was changed twice in one week Their response appears misleading and incomplete.

3. Unauthorized Furnisher Activity After Filing the CFPB Complaint Despite stating they can not make any changes without my authorization, Discover suddenly made multiple changes to my credit file after submitting their CFPB response, including : A. XX/XX/XXXX ( Screenshot Attached ) : -Report showed Charge-Off Date : XX/XX/XXXX B. XXXX XXXX XXXX : -Discover added new remark codes without notice -Discover altered payment history fields -Discover made changes to the account status C. XX/XX/XXXX : -Charge-Off Date changed to XX/XX/XXXX These actions were done : -Without my authorization -Without a dispute filed directly with the bureau -While Discover claimed they were unable to make changes This is contradictory, deceptive, and indicates potential bad faith conduct.

4. Material Inaccuracy : Discover Is Reporting a False Charge-Off Date Discover has now reported : XXXX XXXX as the charge-off date ( documented screenshot from XX/XX/XXXX ) XXXX XXXX as the charge-off date ( current report as of XX/XX/XXXX ) Neither date is correct, and Discover has not provided any evidence, explanation, or documentation to justify these inconsistencies. 

Changing derogatory dates during an active credit investigation constitutes : FCRA 1681s-2 ( a ) Duty to furnish accurate information FCRA 1681s-2 ( b ) Duty to conduct a reasonable investigation Regulation V, 12 CFR 1022.42 Prohibition on materially misleading reporting CFPB Bulletin 2014-01 Prohibition on furnishing information known to be inaccurate 5. Ongoing False Reporting Discover continues to report : -A rolling charged-off balance every month for over a year -Monthly utilization exceeding {$8000.00} on a closed, non-active account -Inaccurate payment history entries -Incorrect derogatory codes -Inconsistent dates of first delinquency -Multiple retroactively updated statuses This is not only inaccurate it artificially depresses my credit score and misrepresents my creditworthiness.

6. Failure to Conduct a Reasonable Investigation Discovers response : -Addressed issues I never raised -Ignored all issues I did raise -Contained no supporting documents -Provided no explanation for altered data -Conflicted with their own actions ( claiming they can not make changes, then making changes ) This is a textbook violation of : FCRA 1681i ( a ) Reasonable reinvestigation requirement FCRA 1681s-2 ( b ) Investigation duties upon notice of a dispute CFPB Bulletin XXXX Requirement to review all relevant information Given the number of inconsistent changes, unsupported updates, and false reporting, I am requesting full CFPB oversight.

Discover has taken actions that appear to be intentional, retaliatory, and designed to obscure prior inaccurate reporting. Furnishers are prohibited from altering derogatory information during an active investigation especially without consumer authorization.

I request full review, regulatory intervention, and correction of all inaccurate and misleading information.

8. Evidence Attached -Screenshot from XX/XX/XXXX showing : -Charge-Off Date : XX/XX/XXXX -Current report showing Charge-Off Date : XX/XX/XXXX -Screenshots of XXXX XXXX and XXXX alerts showing new derogatory changes made between XX/XX/XXXX -Discovers written CFPB response -Timeline of all changes made after Discover claimed they were unable to make changes

Company response to consumer: Closed with explanation