Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13498958
Complaint Overview
Complaint ID: 13498958
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: Illinois
ZIP Code: 60605
Date Received: 2025-05-13T12:00:00-05:00
Date Sent to Company: 2025-05-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Credit Report Dispute Under Fair Credit Billing Act Inaccurate Late Payment Reporting by Discover Financial Services Dear [ XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute inaccurate information currently appearing on my credit report. The account in question is a credit card account issued by Discover Financial Services. My report shows late payments that I believe are inaccurately reported or misrepresented. Under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, payments must be credited on the date of receipt, and delays not resulting in finance charges or penalties must not be used to report late payments. I believe Discover Financial has violated this requirement in their reporting to your bureau. Here are the relevant details : Creditor Name : Discover Financial Services Account Number : [ Insert partial account number, if known ] Nature of Dispute : Inaccurate reporting of late payments Reason : Payments were made on time or should not have been posted as late due to processing delays that violate 15 USC 1666b I request that your bureau initiate an investigation into this account and request verification from the furnisher ( Discover Financial ). If the information can not be verified as accurate, it must be removed from my credit file under the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of supporting documents : A copy of my government-issued ID A recent utility bill ( for address verification ) [ Optional : Any relevant payment confirmations or statements ] Please complete the investigation and provide me with written confirmation of the results within 30 days as required by federal law. Sincerely, XXXX XXXX Addresses of the Major Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13498958 about?
Complaint #13498958 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 2025-05-13T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with explanation". 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.