Consumer complaint received 2025-07-06 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: MA

Complaint narrative:
I am writing to dispute inaccurate and unverified late payment information being reported on my credit file for the following accounts. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ) ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), and the Truth in Lending Act ( 15 U.S.C. 1666b, 1605 ( a ) ), I am formally requesting that you investigate and remove these erroneous late payments and update the accounts to reflect Paid as Agreed. 

Disputed Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} I was not XXXX, XXXX, or XXXX days late. Please update this account to " Paid as Agreed. '' XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} | Payment : {$39.00} The reported delinquency is incorrect. I request full validation and correction to reflect an accurate payment history. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I was never late. Please update this account accordingly. 

Discover Card Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} | Payment : {$81.00} No accurate evidence has been provided of a XXXX, XXXX, or XXXX delinquency. Please correct this record. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} This account reflects inaccurate late payment ( XXXX ). I request immediate correction. 

XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I was never late. Kindly update this to show a positive payment history. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} | Payment : {$610.00} Late payment reporting is in error. I did not receive a statement XXXX  days prior to due date in violation of 15 U.S.C. 1666b. Please investigate and correct this. 

XXXX XXXX XXXX. 

Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} The late payment entry is inaccurate. I request its removal and that the account be updated to " Paid as Agreed. '' XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Balance : {$50000.00} | Payment : {$1000.00} This account shows late payment ( XXXX ) that are unverified and possibly based on a billing error. The statement showed a positive balance, indicating no payment was due, per 15 U.S.C. 1666b. Please remove the derogatory information and update this record.

Legal Basis for Dispute : 15 U.S.C. 1681i : Requires reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy.

15 U.S.C. 1692g ( b ) : Requires validation of debt upon dispute.

15 U.S.C. 1666b ( 4 ) ( 5 ) : Failure to provide statements 21 days before payment due is a violation.

15 U.S.C. 1605 ( a ) : If finance charges bring the account current, no late payment should be reported.

Resolution Requested : Remove all inaccurate or unverified late payment information.

Update each account to reflect Paid as Agreed. 

Provide all supporting documentation ( including billing statements and payment records ) validating any alleged delinquencies. 

Complete your investigation and respond within 30 days, as required by federal law.

Company response to consumer: Closed with explanation