Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
RE : Fraud Account Still Reporting After Furnisher Confirmed It Was Fraud Immediate Deletion Required Account : Discover / XXXX XXXX XXXX To Whom It May Concern : This is a notice and final demand regarding the fraudulent Discover / XXXX XXXX account still being reported on my credit file. I have already submitted identity theft documentation, proof of identity, and a written dispute. 

The current furnisher of the account, XXXX  XXXX ( successor to Discover ), has confirmed to me in writing that : We found the account was opened fraudulently and you were not responsible. 
We have sent updated information to the credit reporting agencies for them to remove this XXXX XXXX account from your credit file. 

Despite that, this account is still being reported on my file by your bureau. 

This is not permitted under federal law. 

Why This is Illegal Under the FCRA FCRA 623 ( a ) ( 1 ) ( A ) You may not furnish or continue reporting information you know to be inaccurate or fraudulent.

FCRA 605B Once identity theft documentation is provided, you must block the reporting within 4 business days. This has not been done.

FCRA 607 ( b ) You are required to maintain the maximum possible accuracy at all times. Reporting a charged-off balance and fake payment on a verified fraud account is not accurate. 

Why XXXX XXXX Now Controls This Account ( Successor Liability ) XXXX XXXX has taken over reporting and responsibility for the Discover account due to their XXXX  acquisition of Discover Financial Services. That makes XXXX XXXX the successor furnisher under the FCRA. They have already directed all bureaus to remove the account, confirming fraud.

The bureaus now know this is a fraudulent tradeline and must delete it.

What I Am Demanding Permanent deletion of this fraudulent account Written confirmation of deletion Removal of any dispute code or account activity tied to it Cease any future re-reporting or reinsertion attempts This is not a reinvestigation request.

This is notice that you are breaking federal law by continuing to report known false information.

Legal Breakdown Chart Discover / XXXX XXXX XXXX XXXX Party What They Said/Did Why Its a Violation FCRA Section XXXX XXXX ( successor to Discover ) We found the account was opened fraudulently and you were not responsible. We have sent updated information to the credit reporting agencies for them to remove this XXXX XXXX account from your credit file. Furnisher has confirmed fraud but continued to report data to CRAs ( or failed to ensure removal ). 623 ( a ) ( 1 ) ( A ) Furnishing info known to be false XXXX XXXX  declines to block the information... the request may have been made in error. Failure to block after receiving identity theft documentation and furnisher confirmation. Block is mandatory within 4 days. 605B ( b ) ( 1 ) ( A ) Must block upon request with proof XXXX  The information you disputed has been verified as accurate. Verified account as accurate even after furnisher confirmed it was fraud and you never made any payment. 611 Failed to conduct a reasonable reinvestigation XXXX XXXX / Discover Continued reporting the account after confirming it was fraud. Furnishing false or inaccurate information after confirming it was not your account. 623 ( a ) ( 1 ) ( A ) ; 623 ( a ) ( 2 ) Duty to correct info XXXX XXXX XXXX Still reporting a charged-off balance and false payment. Failure to ensure maximum accuracy in consumer reports. 607 ( b ) Reasonable procedures to assure accuracy All 3 Entities Conflicting or false reporting of the same account. Permits continued publication of inaccurate information after notice. 616 Civil liability for willful noncompliance Summary of the Violations XXXX XXXX is the successor furnisher for the Discover account under the pending merger. 

XXXX XXXX has acknowledged in writing that the account is fraudulent and has directed CRAs to delete it.

Despite this, XXXX  and XXXX  are still reporting the account as if its valid in violation of multiple sections of the FCRA.

XXXX  refused to block the account, which is a direct violation of 605B.

XXXX  verified false information, which is a violation of 611 and 607.

Company response to consumer: Closed with explanation