Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date : XX/XX/XXXX XXXX ( Last XXXX digits ) : XXXX DOB : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : URGENT LEGAL DISPUTE Demand for Permanent Deletion of Unverified and Inaccurate ChexSystems Records Dear CFPB , I am formally demanding the immediate and permanent deletion of all unverifiable, inaccurate, outdated, and incomplete information on my ChexSystems report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x.

I am asserting my rights under the following federal provisions : - 15 U.S.C. 1681i : Furnishers and agencies must conduct a reasonable investigation of disputed information. Failure to provide documentary proof constitutes noncompliance.

- 15 U.S.C. 1681e ( b ) : Reporting agencies must ensure maximum possible accuracy. Failure to verify source data violates this clause.

- 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ) : Negative information older than 7 years is prohibited from being reported.

- 15 U.S.C. 1681g & 1681h : I have a legal right to full disclosure of all data used in the reporting process, including the method of verification and the identity of the furnisher.

This letter pertains to the following items reported to ChexSystems, which I hereby formally dispute : 1. Discover Bank - Reported Issue : Account Abuse - Date Closed : XX/XX/XXXX | Amount : {$190.00} ( Unpaid ) - Violation : No verifiable documentation proving the debt, no signed agreement, and no chain of custody has been provided. As such, under 15 U.S.C. 1681i ( a ) ( 5 ), this unverifiable entry must be permanently deleted. 

XXXX. XXXX XXXX XXXX - Reported Issue : Suspected Fraud Activity - Date Closed : XX/XX/XXXX | Status : No Monetary Loss - Violation : " Suspected fraud '' without a legal finding, arrest, or court determination violates 15 U.S.C. 1681c ( a ) ( 2 ) and due process standards. This unverifiable and defamatory reporting must be removed immediately. 

XXXX. XXXX XXXX XXXX - Reported Issue : Overdrafts - Date Closed : XX/XX/XXXX | Amount : {$120.00} ( Unpaid ) - Violation : This debt is outdated, unverifiable, and lacks documented validation under FCRA 609 and 611. I demand a full itemization of the charges or complete removal.

DEMAND FOR ACTION : Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified within 30 days, it must be permanently deleted from all consumer reporting systems. Failure to comply will result in legal action under FCRA 616 and 617, which authorize statutory and actual damages, punitive damages, and attorneys fees.

I request that the Consumer Financial Protection Bureau compel ChexSystems and the aforementioned data furnishers to provide documented proof or delete these entries without delay. The burden of proof is on the data furnishers, not the consumer.

Enclosures Provided : - Copy of ChexSystems report - Government-issued ID and proof of address - Any relevant supporting documentation Thank you for your attention to this legal dispute. I expect a full investigation and written response within the timeframe allowed by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation