Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14618794
Complaint Overview
Complaint ID: 14618794
Company: Discover Bank
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New Jersey
ZIP Code: 08104
Date Received: 2025-07-12T12:00:00-05:00
Date Sent to Company: 2025-07-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In accordance with the Fair Credit Reporting Act ( FCRA ), Discover has violated my consumer rights. Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding the collection and use of my personal financial data. Additionally, 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) states that a consumer reporting agency may not furnish a consumer report without the consumers written instructions, unless it is for a legally permissible purpose. I did not authorize Discover to share or report this information under any valid legal basis. Furthermore, under 15 U.S.C. 1666b, a creditor may not treat a payment on an open-end consumer credit account ( such as a credit card ) as late for any purpose unless certain conditions are met. I believe Discover reported a late payment improperly and without meeting those legal conditions. I am requesting a full investigation and immediate removal of the negative information from my credit report if Discover can not provide documentation proving full legal compliance with the above statutes.
Frequently Asked Questions
What is Complaint #14618794 about?
Complaint #14618794 was filed against Discover Bank regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-07-12T12:00:00-05:00.
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.