Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate, unverified, and unauthorized accounts and inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ), I am asserting my right to dispute the following accounts and request their immediate removal due to failure to verify and fraudulent activity. 
Disputed Accounts The following accounts are appearing on my credit report without proper verification or authorization : 1. XXXX XXXX ( Account # : XXXX ) Late payments and past due balances 2. XXXX XXXX ( Account # : XXXX ) Unauthorized reporting on closed account 3. XXXX XXXX XXXX XXXX ( Account # : XXXX ) Inaccurate late payments 4. XXXX XXXX ( Account # : XXXX ) Charged off without proper validation 5. XXXX XXXX ( Account # : XXXX ) Charged off and disputed resolved without my consent 6. DEPTEDXXXX ( Account # : XXXX ) Late payments on a transferred account 7. XXXX ( Account # : XXXX ) Unauthorized and inaccurate late payment These accounts have not been properly verified as required under FCRA 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. Under these laws, the credit bureaus and data furnishers must ensure the accuracy and completeness of any reported information. I demand that you provide documented validation of each account, including signed agreements and original creditor information. If you can not validate these accounts, they must be deleted immediately per FCRA regulations. 
Violations of Data Security and Breach of Personal Information I have reason to believe that my personal information has been compromised and sold among debt collectors and third-party agencies, leading to the unauthorized addition of accounts and inquiries to my credit file. The following violations have occurred : * Debt collectors have repeatedly added and transferred accounts, even after being closed or charged off. 
* My personal and financial information appears to have been involved in a data breach, violating my rights under FACTA ( 15 U.S.C. 1681c-1 ). 
* Debt collectors and creditors have failed to validate ownership of alleged debts, violating the FDCPA ( 15 U.S.C. 1692g ). 
Demand for Immediate Action Pursuant to FCRA 15 U.S.C. 1681i, I demand an investigation into these inaccuracies and request that you : 1. Provide proper validation of the disputed accounts, including original creditor documentation. 
2. Remove all unverifiable, unauthorized, and inaccurate accounts from my credit file. 
3. Cease and desist the reporting of erroneous information to other credit bureaus and creditors. 
4. Provide confirmation of the deletions in writing within 30 days. 
Failure to comply with these demands will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's office for willful noncompliance with federal credit reporting laws. 
Please consider this my formal dispute and provide a written response within 30 days as required by law. I expect immediate resolution of these fraudulent and inaccurate accounts. 
Sincerely,

Company response to consumer: Closed with non-monetary relief