Consumer complaint received 2025-08-15 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: MD

Complaint narrative:
Discover is violating the Fair Credit Reporting Act ( FCRA ) in XXXX distinct ways on my XXXX  credit report. 

XXXX. Violation of FCRA 1681s-2 ( a ) Duty to provide accurate and complete information. 

My account has XXXX years of missing payment history ( XX/XX/XXXX XX/XX/XXXX ) being reported to XXXX. Incomplete payment history is inaccurate under the FCRA, as it misrepresents the accounts true payment record. 

XXXX. Violation of FCRA 1681s-2 ( b ) Duty to investigate after receiving a dispute. 

I filed a formal dispute about the missing payment history on XX/XX/XXXX with the CFPB. Instead of conducting a reasonable investigation using their own records and correcting the error with all CRAs, Discover responded to my CFPB complaint with the following statement : Please understand that Discover is responsible for providing this information to the credit bureau reporting agencies ; however, the credit bureau reporting agencies have their own policy for reporting the information that is displayed. 

This response which is highlighted in yellow in the attached document shows Discover refused to investigate or correct the incomplete reporting, and attempted to shift legal responsibility to the credit bureau. Under 1681s-2 ( b ), a furnisher may not simply blame the CRA ; they must review all relevant information, investigate, and correct the data with all CRAs. Discovers refusal to take corrective action after my dispute violates the FCRA. 

The fact is, it is Discovers responsibility to review, investigate, and verify all information related to their tradeline for both pre and post credit bureau reporting. All the responsibilities that are highlighted in XXXX in the attached document that they list themselves, are exactly their responsibilities to not only verify, but also report. My original complaint was asking Discover to fulfill its duty that it is legally bound by as a credit furnisher under the FCRA, to verify the accuracy of what was reported, or rather what was not reported for the timespan between XX/XX/XXXX- XX/XX/XXXX, which they did not do. 

In addition to that fact, they do not retain the information for that period, which is more than likely why they refuse to investigate properly and verify properly. Simply, because they cant, as they only retain the last XXXX months worth of data in it's original format. 

The XXXX highlighted text in XXXX XXXXn the attached document which reads as the following : We are unable to honor your request to alter or remove the reporting for the above-detailed account from your credit files, as it is a factual representation of what occurred, and we are required to report true and accurate information to the credit reporting agencies This displays Discovers unwillingness and refusal to correct or alter this false data as it is inaccurate due to missing data. It is impossible for what is being reported as a factual representation of what occurred while lacking XXXX years of important data and simultaneously stating credit bureau reporting agencies have their own policy for reporting the information that is displayed as to sidestep responsibility for blatantly inaccurate information Discover does not want to take responsibility for. 

Discover wants to have it both ways it seems. They want to take responsibility for the data that they deem accurate but, disregard and dismiss responsibility for the data they dont deem accurate, of which both reside on the same report. Neither can be true at the same time. Either all of what is being reported is inaccurate, or all of what is being reported is accurate. Federal law mandates all reporting must be accurate and complete according to FCRA 1681s-2 ( a ), of which what Discover has reported is clearly neither. 

I am requesting that this tradeline be deleted in full due to Discovers numerous failures to fulfill its duties as both an original furnisher and a furnisher responding to a dispute. Specifically, the duty to provide accurate and complete information under FCRA 1681s-2 ( a ) and the duty to investigate after receiving a dispute under Violation of FCRA 1681s-2 ( b ).

Company response to consumer: Closed with explanation