Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
My name is XXXX XXXX. I am writing to submit a request to have stagnating data removed from credit reporting for several accounts involved in debt settlements with XXXX XXXX XXXX XXXX XXXX XXXX. 

I have been paying XXXX to pay these accounts for years, and most are paid off. My debt spiraled ( during XXXX ) caring for my mother, who has since passed. I got a pay reduction as a result of the pandemic and was no longer able to keep up with timely payments and maintain normal living, so I sought assistance from debt relief before payments began falling behind. XXXX  % of that debt is paid off - to date. 

Yet - I have never received any XXXX tax forms from any of the creditors who have listed the accounts in question as 'charged off ' or banking creditors stating XXXX and loss write-off ' or XXXX closed by XXXX XXXX ' - especially instances where XXXX  XXXX, XXXX XXXX & XXXX XXXX XXXX accounts XXXX XXXX XXXX which XXXX low to XXXX balance. These are reporting negatively when I had no issue or debt on the accounts before XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX and other got shut down without reason or any documentation for my protection from the entities with whom I carried a balance or credit line prior to their closure. Obviously, my worthiness crashed for some time, but I have always maintained payment - even if it is coming from XXXX XXXX XXXX and not XXXX XXXX, the accounts have all been acknowledged and payments have been collected on all via settlement procedures since XXXX. Here is a list of creditors who refuse to correct or remove this harmful reporting which is preventing me from moving on with my life. I would like to buy property, and enjoy the fruits of the credit worthiness I strive to maintain. 

Discover Bank - XXXX ' XXXX XXXXXXXX Bank - 'Profit & Loss Write-Off ' XXXX  XXXX  XXXX  - 'Account Closed XXXX XXXX XXXX ' XXXX  XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  - 'Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX Closed XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX - XXXX  XXXX XXXX Credit Card - 'Account Closed By Consumer XXXX. ( I did NOT voluntarily close this account. The credit union closed the account upon learning I no longer held a XXXX XXXX and transitioned to business owner. ) XXXX XXXX - 'Profit & Loss Write-Off ' XXXX XXXX XXXX  XXXX 'Charge-Off '. Mis-reported and not updating balances. XXXX accounts paid via XXXX  XXXX  - settlements XXXX  % paid off. 
XXXX XXXX  XXXX 'Profit & Loss Write-Off ' XXXX XXXX XXXX  XXXX 'Paid Profit and Loss ' I am requesting your help with obtaining documentation, updating information, and removing the paid/settled damaging accounts from all credit reporting across major and sub major reporting agencies. I have learned that under the FCRA ( Fair Credit Reporting Act ) that I COULD seek statutory damages if a creditors furnished inaccurate information about a debt - like these 'charge-off 's " & 'Profit & Loss ' remarked accounts which have mostly been paid off, whether in full or via settlement. My request is for each entity to remove all negative reporting or remove the file from all reporting. Please respond with advice, should I need to seek an attorney. 

Thank you, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation