Consumer complaint received 2025-11-17 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: AK

Complaint narrative:
I am disputing several negative accounts on my credit reports that are either fraudulent or being reported inaccurately. 
XXXX. Fraudulent accounts XXXX XXXX XXXX Discover XXXX XXXX ( revolving account, last reported around XX/XX/XXXX, balance about {$3000.00}, showing as collection/charge-off, remark : DISPUTE RESOLVED SUBSCRIBER DISAGREES ). 


Discover Bank ( revolving account opened around XX/XX/XXXX, balance about {$2100.00} with a {$2000.00} credit limit, negative payment history, remark : DISPUTE RESOLVED REPORTED BY XXXX ). 


These XXXX XXXX and Discover accounts were opened due to fraudulent activity. I did not authorize them, I did not open them, and I did not receive any benefit from them. I have already notified both XXXX XXXX and Discover that these accounts are fraudulent. 
Despite this, both companies continue to report these accounts on my credit reports with serious negative information, including a charge-off on the XXXX XXXX account XXXX The bureaus and furnishers have added remarks such as dispute resolved, but they have not removed the fraudulent accounts or provided any valid proof that I opened them. 
XXXX. Paid accounts still reporting as delinquent XXXX XXXX XXXX I also have XXXX XXXX XXXX installment accounts ( for example, accounts beginning with XXXX * * and XXXX * ) that are now paid in full / {$0.00} balance, but they are still being reported as delinquent or with late payment status : XXXX XXXX XXXX XXXX account is coded with Late 30 Days even though the balance is {$0.00} and the account is closed/paid. 


Another XXXX Skies XXXX account shows a long history of late notations even after it was brought current and paid off. 


These XXXX Skies XXXX accounts should be reporting accurately as paid with a {$0.00} balance, not as currently delinquent. Continuing to show them as late or delinquent after payoff is inaccurate and is causing ongoing damage to my credit profile. 

Because of these issues : I am being held responsible for fraudulent debts that do not belong to me ( XXXX and Discover ), including a charge-off. 


I am being penalized by incorrect reporting on accounts that are paid in full but still being shown as delinquent ( XXXX Skies XXXX ). 


This is negatively affecting my credit scores and my ability to obtain housing, transportation, and fair credit. 

XXXX What do you want the company to do? Updated Draft Heres how to clearly state what you want the CFPB to make them do : I am requesting that the CFPB require the credit reporting agencies and the furnishers ( XXXX XXXX, Discover Bank, and XXXX XXXX XXXX ) to : For the fraudulent XXXX XXXX and Discover accounts : Conduct a reasonable and thorough investigation under the Fair Credit Reporting Act ( FCRA ) into the XXXX XXXX and Discover accounts I have identified as fraudulent. 


Provide written proof that I opened and am responsible for these accounts, including : Any signed applications or contracts Copies of ID they claim were used Any IP addresses, mailing addresses, or phone numbers tied to the applications If they can not prove that I opened these accounts : Delete the XXXX XXXX and Discover accounts entirely from all of my credit reports ( Equifax, Experian, and TransUnion ), Remove the charge-off, late payments, and all other negative history related to these fraudulent accounts, and Stop reporting these accounts in my name going forward. 




For the XXXX XXXX XXXX accounts that are paid in full : Correct the reporting on my XXXX XXXX XXXX accounts so that they show accurately as : Paid in full / {$0.00} balance, Closed ( if applicable ), and Not currently delinquent. 




Remove any inaccurate delinquent or late payment status that is being reported after the accounts were paid off. If XXXX Skies XXXX can not provide documentation supporting the continued delinquent reporting, I am requesting that : All inaccurate late notations be removed, and If necessary, the entire tradeline ( XXXX ) be deleted to eliminate the inaccurate reporting. 




General requests : Provide me with written confirmation of the results of the investigations, including what documents were used to verify each account. 


Provide updated copies of my corrected credit reports from Equifax, Experian, and TransUnion once all inaccurate and fraudulent information has been removed or corrected. 


These accounts are either fraudulent ( XXXX and Discover ) or being reported inaccurately after payoff ( XXXX Skies XXXX ). I am asking for the CFPBs assistance to ensure that the furnishers and credit bureaus comply with the FCRA and remove or correct all false and misleading information from my credit file.

Company response to consumer: Closed with explanation