Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Via Certified Mail Dear Credit Bureau XXXX : Formal Demand for Deletion of Paid and Closed Accounts FCRA Violation To Whom It May Concern, paid in full and closed, yet they continue to This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the immediate deletion of inaccurate, outdated, and unverified accounts from my consumer report. Upon review of my credit file, I have identified accounts that have been remain on my report, negatively affecting my creditworthiness. This is an unlawful practice that misrepresents my financial standing and violates my rights under federal law.I have submitted numerous disputes and ftc reports stating that this account information resulted from fraud yet you failed to properly update account status. Remove the late payments associated with this account immediately. 
# # # LEGAL BASIS FOR DELETION : 1. Failure to Maintain Accuracy 15 U.S.C. 1681e ( b ) : Under the FCRA, credit reporting agencies ( CRAs ) are required to ensure maximum possible accuracy. Reporting a account as an ongoing derogatory entry is misleading and constitutes negligent or willful noncompliance. 
2. paid and closed Obligation to Conduct a Meaningful Investigation 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) : If a consumer disputes the accuracy of any reported information, the CRA must conduct a reasonable reinvestigation. Given that these accounts are paid and closed, their continued reporting as negative or derogatory items demonstrates clear noncompliance with federal guidelines. 
3. Obsolescence 15 U.S.C. 1681c ( a ) : beyond If the accounts have been closed for several years, they may now be permitted under the FCRA. Any account that has reached the the reporting period seven-year limit for negative information or the ten-year limit for closed, positive accounts must be permanently removed. 
4. The CFPB Enforcement Against Sham Investigations : Consumer Financial Protection Bureau ( CFPB ) has sued major CRAs for failing to conduct meaningful investigations into consumer disputes. If you fail to comply with your legal duty to correct my file, I am prepared to escalate this matter to the CFPB and explore potential legal remedies under U.S.C. 1681n and 1681o, which provide for statutory damages and legal 15 DEMAND FOR ACTION : fees. 
# # # I formally request the immediate credit report : deletion of the following accounts from my - [ Discover Bank ] Account # XXXX As these accounts have been permanently remove these entries 30 days paid in full and closed, their continued reporting serves no permissible purpose demand that you and is detrimental to my credit profile. I from my report within of receiving this letter, per the FCRAs dispute resolution requirements. 
Failure to comply will result in my immediate action, including, but not limited to : - Filing - Pursuing - Seeking a complaint with the CFPB, FTC, and my state Attorney General ; civil litigation damages for noncompliance under the FCRA ; for negligent or willful violation of my consumer rights. 
This letter constitutes legal notice. I expect a written response confirming the deletions within 30 days. Any failure to act will be seen as a willful violation of federal law, subjecting you to further liability. 
I am attaching a copy of my for verification. This matter requires immediate correction, and I will not tolerate any evasive or deceptive practices in handling my dispute. 
ID and proof of address Govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation