Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15771654
Complaint Overview
Complaint ID: 15771654
Company: Discover Bank
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Illinois
ZIP Code: 60438
Date Received: 2025-09-06T12:00:00-05:00
Date Sent to Company: 2025-09-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing inaccurate and misleading reporting of a Discover Card account ( ending in XXXX ) on my credit reports with Experian, Equifax, and TransUnion. This account is reported as a charge-off but continues to show both a balance of {$2900.00} and a past due amount of {$2900.00}. A charged-off account can not legally carry an ongoing balance and past due status at the same time under XXXX XXXX reporting standards. Additionally, the account lists a 'Date Closed ' of XX/XX/XXXX but also reports a 'Last Payment ' on XX/XX/XXXX. A closed account can not have payments applied after closure. The file also contains conflicting amounts : High Balance of {$4800.00} and Original Charge-Off Amount of {$4200.00}. These contradictions make the reporting inaccurate and misleading. I previously disputed this account, but the bureaus marked it as 'verified ' without providing a method of verification as required under FCRA 611 ( a ) ( 5 ) ( B ). This indicates the investigation was not conducted reasonably or with proper documentation. These errors are harming my creditworthiness and violating my rights under the FCRA and XXXX XXXX compliance standards. Resolution Requested : Permanent deletion of this Discover Card account from all credit bureaus, and a full written explanation of the verification process used.
Frequently Asked Questions
What is Complaint #15771654 about?
Complaint #15771654 was filed against Discover Bank regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-09-06T12:00:00-05:00.
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.