Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Civil Liability for Negligent Non-Compliance under Section 16810 Dear XXXX, I hope this letter finds you well. I am writing to formally dispute the civil liability charges imposed against me under Section 16810, which pertains to negligent non-compliance in relation to XXXX XXXXXXXX, XXXX report on my past discover card and city national credit cards and the combined failure to eradicate false and credit score affecting mishaps that havent been removed from my history. These accounts i am reaching out about have no negative balance or collections but appear as a blemish on my credit for not being removed and having false or untrue statements on closing and status. I owe no creditors anything and have never been closed out by any guarantors. 

After thoroughly reviewing the circumstances surrounding this case, I believe that the charge is unjustified for the following reasons : False Reporting of Guarantor Closing Account Reporting of XXXX year plus closed out account No Negative Balance Or Collections needed Satisfactory and above average payments to mentioned creditors my matters have been handled with extreme negligence that is not on my part and I have taken all reasonable and necessary precautions to comply with the applicable regulations and legal obligations. I have emailed and spoke with my former cpa that handles the accounts and they agree i complied with all rules and regulations towards handling this matter. they just happened to not follow through on their end as they have much larger clients they tend to before me. 
Unforeseen events such as covid 19 and the difficulties of keeping in communication while being in points of quarantine and ill health also play a factor. this account was closed in the time of the american pandemic. 
Upon reviewing the alleged violation, I have found discrepancies in the facts presented. Discrepancies such as the account being older than 6 years, closed out with no negative balance or debt owed. It is falsle reported that the account was closed by guarantor when it was infact paid in full by me and closed with my own doing and discretion. 
In light of these points, I respectfully request a review of the charge and ask that the civil liability for negligent non-compliance be dismissed. I am fully committed to resolving this matter in a fair and responsible manner and would appreciate the opportunity to discuss this further. 

Please acknowledge receipt of this letter and let me know the next steps in resolving this dispute. I would be happy to provide any additional documentation or clarification if required. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation