Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17796807
Complaint Overview
Complaint ID: 17796807
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: Puerto Rico
ZIP Code: 00961
Date Received: 2025-11-23T12:00:00-05:00
Date Sent to Company: 2025-11-23T12:00:00-05:00
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, PR XXXX Date of Birth : XX/XX/XXXX File Number : XXXX Date Created : XX/XX/XXXX XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting Discover Card and PR Telephone Co To whom it may concern : I am submitting a formal complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding multiple inaccurate accounts reported on my TransUnion credit report. These inaccuracies are causing measurable harm and must be investigated. The disputed accounts are as follows : ________________________________________ XXXX. Discover Card Account ending XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX Errors and issues : XXXX. Incomplete monthly reporting : Most monthly entries for over XXXX years show No Data for balances, payments, and past due amounts. Violates FCRA 1681e ( b ). XXXX. Delinquency ratings without supporting amounts : Shows XXXX, XXXX, XXXX, XXXX day late and repeated Charge Off without monthly balances or payment history. Not verifiable. XXXX. Nonstandard remark codes : XXXX and XXXX are undefined, ambiguous, and unverifiable. XXXX. Continuous Charge Off without documentation : XX/XX/XXXX XX/XX/XXXX shows Charge Off monthly without supporting evidence. Missing XXXX : No Date of First Delinquency Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #17796807 about?
Complaint #17796807 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 2025-11-23T12:00:00-05:00.
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.