Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am filing this complaint because Discover Financial Services has repeatedly failed to conduct a reasonable investigation of my credit reporting dispute and is continuing to furnish what I believe is inaccurate and incomplete information to the credit bureaus in violation of the FCRA ( 15 U.S.C. 1681s-2 ( b ) ). 
The account at issue is a Discover credit card ending in XXXX, which Discover claims was opened on XX/XX/XXXX and charged off on XX/XX/XXXX for {$8400.00}. I have never been provided with any signed application, contract, or other evidence that I actually opened or used this account. I live on fixed XXXX  income and have documented severe financial hardship. When I learned this account was being reported, I disputed it with the credit bureaus and sent Discover a Cease & Desist / Hardship / Indigence package, including proof of my XXXX-only income. 
Instead of providing verification, Discover sent me form letters and a generic Cardmember Agreement that does not contain my name, signature, or any individualized information. In a letter dated XX/XX/XXXX, Discover simply restated that the account is valid and that they consider their previous investigations complete. In a later letter dated XX/XX/XXXX ( XXXX XXXX XXXXXXXX ), Discover again refused to change the reporting unless I provided new relevant information, even though I had already supplied supporting documentation and requested specific verification of how they determined the account belongs to me.

At the same time, Discover admits that the account will continue to be reported to the credit bureaus as a disputed account indefinitely, and that they will not modify the account history. This means they are maintaining a charge-off for {$8400.00} on my credit file without ever demonstrating that the account was validly opened, authorized by me, or correctly reported. They are effectively saying they will keep reporting the negative tradeline whether or not they can substantiate it.

Under the FCRA, once Discover received notice of my disputes from the credit bureaus, they were required to : conduct a reasonable investigation ; review all relevant information from the bureaus and from me ; and modify, delete, or block information that is inaccurate or can not be verified. 
Discovers responses show that they did not do this. They have not : produced any signed application or contract; explained how they verified my identity when the account was opened ; provided a transaction-level explanation of how the balance and charge-off amount were calculated ; or corrected or removed the tradeline despite these unresolved questions.

In my view, Discover is continuing to furnish a seriously negative tradeline about me without proper verification, while refusing to fully investigate or correct its reporting. This has harmed my credit, my ability to obtain affordable housing and credit, and my overall financial stability as a XXXX consumer living solely on XXXX.

Company response to consumer: Closed with non-monetary relief