Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am complaining about Discover Banks continued furnishing of inaccurate, misleading, and inconsistent information about my closed Discover credit card to the nationwide consumer reporting agencies, even after disputes and after another bureau deleted the tradeline. 

I had a Discover credit card account ending in XXXX XXXX. This account was charged off. I disputed the Discover tradeline with the credit bureaus. After my dispute, the nationwide consumer reporting agency XXXX  conducted a reinvestigation and sent me a written result letter dated around XX/XX/year>. In that letter, XXXX  states that the Discover account HAS BEEN DELETED FROM THE CREDIT FILE. I am attaching that XXXX  letter as evidence that, after reinvestigation, XXXX  removed the Discover tradeline. 

Despite this, Discover continues to furnish negative information on this same account to XXXX  and XXXX. On my XXXX  credit report, the Discover tradeline is reported as : Account charged off. {$6200.00} written off. {$6200.00} past due as of XX/XX/year>, with a reported last payment date of XX/XX/year> and credit usage of 99 %. I did not make any payment in XX/XX/year>, so this last payment date is false and makes the account look more recent than it really is. The XXXX payment history on XXXX  shows a long string of severe delinquencies and a XXXX off status for XX/XX/year>. 

On my XXXX  report, the same Discover tradeline is reported as a revolving account Charged off as bad debt with a balance of {$6200.00}, but with a credit limit of only {$5500.00}, which makes the credit usage show as 114 %. This limit is different from the limit XXXX  shows ( about {$6200.00} ). Discover is therefore furnishing inconsistent credit limits and utilization to different bureaus for the same account, and the over-limit status on a closed, charged-off account exaggerates the risk and harms my scores. 

I have asked Discover and the credit bureaus to investigate and to provide the documents they are relying on to report or verify this account, including correct payment dates and credit limit information. Discover has not provided the requested documentation and has not corrected the reporting. Instead, they continue to furnish data that conflicts with XXXX deletion, uses an incorrect last-payment date ( XX/XX/year> ), and shows inconsistent credit limits and extremely high utilization across XXXX  and XXXX. 

Under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ), once Discover receives notice of a dispute from a consumer reporting agency it must conduct a reasonable investigation, review all relevant information, and correct or delete any information that is inaccurate or can not be verified with respect to all consumer reporting agencies. Discovers continued furnishing of this tradeline as a recent charge-off with a false last-payment date, inconsistent limits, and over-limit utilizationwhile XXXX has deleted the accountshows that Discover is not properly investigating or correcting its reporting. This has caused substantial damage to my credit scores and my ability to obtain credit on fair terms.

Company response to consumer: Closed with non-monetary relief