Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
Consumer Name : [ XXXX XXXX XXXX ] Address : [ XXXX XXXX XXXX Unit # B ] City, XXXX, ZIP : [ XXXX, Ca. XXXX ] Phone : [ ( XXXX ) XXXX ] Email : [ XXXX ] Date : [ XX/XX/year> ] Companies Involved : Discover Financial Services Experian Equifax TransUnion RE : FORMAL COMPLAINT DISCOVER FALSE PAST DUE REPORTING, ILLEGAL REINSERTION, AND CREDIT SCORE DAMAGE WITH CONTRADICTORY BUREAU REPORTING I am filing this formal complaint against Discover Financial Services and the national credit reporting agencies ( Experian, Equifax, and TransUnion ) for publishing false and contradictory credit data that is actively damaging my financial standing. 
This matter involves illegal reinsertion, false past due reporting, willful misrepresentation of a canceled obligation, and a documented credit score drop of approximately 90 points.

FACT PATTERN ( CHRONOLOGICAL ) The Discover account was previously disputed and canceled and/or deleted as inaccurate. 
The same alleged debt was at one point simultaneously reported by XXXX XXXX XXXX  ( XXXX ), which later withdrew/deleted its reporting after dispute, confirming the data was inaccurate. 
On XX/XX/XXXX, the Discover tradeline reappeared on my credit file. 
Discover is now reporting the account as PAST DUE. 
This false downgrade caused an immediate credit score drop of approximately 90 points, creating active financial harm.

At the same time, the credit bureaus are stating that I have limited credit history while simultaneously publishing a years-old Discover tradeline. These two statements can not both be true. 
Despite these facts, Discover claims the account is under investigation, yet the damaging reporting continues live. 

ACTIVE HARM As a direct result of this false reporting : My credit score dropped XXXX points My ability to obtain fair credit and housing has been impaired My financial reputation has been damaged I am suffering ongoing financial harm FEDERAL LAWS BEING VIOLATED Fair Credit Reporting Act ( 15 U.S.C . 1681 ) 1681e ( b ) Failure to ensure maximum possible accuracy 1681i ( a ) Failure to conduct a lawful reinvestigation 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion after deletion 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or should be known to be inaccurate 1681s-2 ( b ) Failure to properly investigate after dispute 1681n Willful noncompliance 1681o Negligent noncompliance Dodd-Frank / UDAAP ( 12 U.S.C. 5531 & 5536 ) Deceptive and abusive financial reporting Publishing contradictory risk data ( limited history while reporting aged debt ) CORE VIOLATIONS Discover is reporting a past-due balance on a debt that was previously canceled and/or deleted The Discover tradeline reappeared after deletion ( illegal reinsertion ) JPMCB previously reported the same debt and formally withdrew their reporting The bureaus are publishing internally contradictory credit profile data I now have documented score damage of ~90 points This conduct is reckless, ongoing, and unlawful.

FORMAL DEMANDS TO CFPB I respectfully request that the CFPB : Order immediate and permanent deletion of the Discover tradeline from all bureaus Prohibit reinsertion absent certified court-level proof Require Discover to issue written compliance certification Order the bureaus to correct the false limited credit history designation Require a documented audit of Discovers furnishing procedures Impose regulatory penalties where violations are confirmed CERTIFICATION I certify under penalty of perjury that the information above is true and correct to the best of my knowledge. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief