Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12733953
Complaint Overview
Complaint ID: 12733953
Company: Discover Bank
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Minnesota
ZIP Code: 55337
Date Received: 2025-03-30T12:00:00-05:00
Date Sent to Company: 2025-03-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint Against Credit Reporting, Debt Collection, and Garnishment Violations ( FCRA & FDCPA ) To Whom It May Concern, I am filing a formal complaint regarding inaccurate credit reporting, unlawful debt collection practices, and an improper garnishment related to a charged-off account. This issue involves violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and potential violations of my rights concerning wage and bank account garnishment. Issue # XXXX : Credit Report Inaccuracy ( FCRA Violation ) The following account on my XXXX credit report contains discrepancies that must be investigated. If the debt is charged off/ written off, meaning the creditor already took a loss. It should not still be actively pursued in the form of a lawsuit and garnishment. The inconsistency violates my rights under 15 U.S.C. & 1681s-2 ( a ) of the FCRA. Creditor Name : Discover Bank Account Number : XXXX Reported Balance : {$2400.00} ( Charged-Off ) Status : Account charged off/written off but still being pursued for collection at a different balance. The problem : My credit report states that this account is charged off/written off, yet I am still being pursued for collection at a different amount. Since the debt is charged off, it should not reflect an active balance subject to collection or legal action. This reporting is inaccurate and misleading, damaging my credit profile. Issue # XXXX : Debt Collection Violation ( FDCPA Violation ) I am also being pursued for garnishment on this same debt, but the debt collector has failed to properly validate the debt, as required under the FDCPA. My concerns include : XXXX. The creditor has already charged off/written off the debt, yet they are still attempting to collect through legal action. XXXX. The amount they claim I owe does not match my credit report. XXXX. I have not received including proof of the original agreement, payment breakdown, or ownership transfer. Issue # 3 : Improper Garnishment I recently received a garnishment notice stating that my bank account will be frozen and/or my wages are being garnished. This garnishment appears to be unlawful due to the following reasons : The creditor failed to properly notify me before initiating garnishment actions. The amount being garnished does not match the reported balance on my credit report. According to the notice I received, I have 14 days to dispute the garnishment. I am formally requesting an exemption of protected funds and a review of the garnishments legality. Requested Action from the CFPB : I am requesting that the CFPB immediately investigate and take action against the responsible parties. Specifically, I request : XXXX. That the credit reporting agencies correct/remove any inaccurate, misleading, or unverifiable information regarding this charge-off. XXXX. That the debt collector be required to validate the debt properly before any further collection or legal action. XXXX. That my garnishment be reviewed for violations of federal and state laws, and, if necessary, be stopped or reversed. XXXX. That enforcement action be taken if my consumer rights under the FCRA, FDCPA, or garnishment laws have been violated. I appreciate the CFPBs attention to this matter and request a prompt investigation. Please keep me informed of any updates regarding this complaint. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12733953 about?
Complaint #12733953 was filed against Discover Bank regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-30T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Discover Bank?
Yes, visit the Discover Bank company profile at readthecomplaint.com/company/discover-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.