Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX XXXX Date : XX/XX/XXXX To All Consumer Reporting AgenciesXX/XX/XXXX RE : Formal Dispute of Inaccurate Reporting Demand for Deletion or Full Metro 2 Compliance Creditor : Discover Bank Account ending in XXXX To Whom It May Concern, I am formally disputing the accuracy and completeness of the above-referenced account reporting on my credit file. This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX Metro 2 Reporting Guidelines, which are the required standard for credit data furnishers. 
Because this account is being reported with multiple material inaccuracies, it is incomplete, misleading, and unlawful, and therefore must be deleted immediately under FCRA XXXX. 

XXXX. ILLEGAL RE-AGING OF DEBT ( FCRA XXXX ( c ) ) The Date of First Delinquency (XX/XX/XXXX ) was in XXXX, yet the account is being reported with : Status updates in XXXX, XXXX, and XXXX Ongoing charge-off ( XX/XX/XXXX) notations every month A refreshed Date of Status or Date Updated This artificially extends the reporting period and is illegal re-aging in violation of FCRA XXXX ( c ) and FCRA XXXX ( a ) ( XXXX ). 
If XXXX is not accurately reported as XXXX, the account must be deleted. 

XXXX. IMPROPER CHARGE-OFF REPORTING ( Metro 2 Violation ) A charge-off can only occur XXXX time. However, Discover Bank is reportingXX/XX/XXXX every month for more than XX/XX/XXXX year. 
Metro 2 payment history requirements allow ONLY XXXX XX/XX/XXXX entry. Repeated XX/XX/XXXX reporting is false, misleading, and non-compliant. 
XXXX. BALANCE & PAST DUE AMOUNT CONTRADICTION The account shows : {$3000.00} written off AND {$3000.00} past due Once an account is charged off and closed : Past Due Amount MUST be {$0.00} Balance MUST be {$0.00} if sold, forgiven, or XXXX issued Reporting a past due balance after charge-off violates : Metro 2 Field XXXX XXXX XXXX FCRA XXXX ( b ) Maximum possible accuracy FCRA XXXX ( b ) Duty to update and correct XXXX. CONTINUOUS NEGATIVE REPORTING ON A CLOSED ACCOUNT The account is marked Closed, yet the furnisher is still updating monthly with negative status codes. 
This is misleading and designed to damage credit longer, violating FCRA XXXX ( a ) and Metro 2 closure rules. 

XXXX. MISSING OR INCORRECT DOFD The Date of First Delinquency (XX/XX/XXXX ) is required by FCRA XXXX ( a ) ( XXXX ) and must never be changed. 
If the XXXX is not reporting accurately as of XXXX, the account must be deleted immediately. 

XXXX. FAILURE TO ASSURE MAXIMUM POSSIBLE ACCURACY Under FCRA XXXX ( b ), the CRA must ensure maximum possible accuracy. 
This account is : Inconsistent Incomplete Misleading Reported in violation of Metro 2 standards Therefore, it must be corrected or removed. 

XXXX. REQUEST FOR METHOD OF VERIFICATION ( FCRA XXXX ( a ) ( XXXX ) ) Under FCRA XXXX ( a ) ( XXXX ), I request : The method used to verify this information. 


The name, address, and telephone number of the furnisher. 


The exact XX/XX/XXXX reported by Discover Bank. 


Proof that the account is being reported in FULL Metro 2 compliance. 



REQUIRED ACTION Under FCRA XXXX : Investigate this account Provide full Metro 2compliant documentation OR DELETE the account entirely If you can not verify every field with 100 % accuracy, compliance, and proper XX/XX/XXXX reporting the account must be deleted from my credit report. 

Thank you for your prompt attention. I expect a response within XX/XX/XXXX days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation