Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14380509
Complaint Overview
Complaint ID: 14380509
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: California
ZIP Code: 95126
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am formally disputing the accuracy, completeness, and verifiability of two specific accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i, you are required to conduct a reasonable reinvestigation of any information I dispute, and under 15 USC 1666b, creditors must follow strict timelines and protocols for accurate billing. XXXX XXXX XXXX Account Ending in XXXX Nature of Dispute : XXXX, XXXX, and XXXX late payments reported inaccurately. Issue : Payment history across the three bureaus is inconsistentXXXX XXXX shows the account as Current yet includes delinquency codes. XXXX and XXXX report late payments during the same time period, but the dates and days late are inconsistent and unverifiable. Violation : - FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy. - FCRA 1681i ( a ) ( 5 ) : Inability to verify information must result in deletion. - TILA 1666b : Failure to properly apply payments and assess due dates. XXXXXXXX XXXX XXXX XXXX Account Ending in XXXX Nature of Dispute : Multiple late payments reported even after account closure. Issue : Account shows " Closed '' but continued reporting of late payments and balance updates after closure violates accuracy guidelines. XXXX also tags the account with CBG ( Cancelled by Grantor ) while still listing a balance of {$6500.00}, conflicting with closed status. Violation : - FCRA 1681s-2 ( b ) : Furnishers are required to correct and update information. - FCRA 1681c ( a ) ( 4 ) : Negative items over 24 months are outdated and misleading. - FDCPA 1692g : Continued reporting without full validation or substantiation is unlawful. Demand for Immediate Action : I demand that you initiate a full reinvestigation into these accounts. If the furnishers can not produce verifiable and complete records including payment ledgers, original signed contracts, and itemized billing statements within 30 days, you are legally obligated to delete these tradelines from my credit file under 15 USC 1681i ( a ) ( 5 ) ( A ). I do not consent to merely marking these items as " disputed. '' This letter serves as formal notice that inaccurate or unverifiable reporting is causing demonstrable harm to my creditworthiness.
Frequently Asked Questions
What is Complaint #14380509 about?
Complaint #14380509 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 2025-06-30T12:00:00-05:00.
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.