Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4835873
Complaint Overview
Complaint ID: 4835873
Company: Discover Bank
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New York
ZIP Code: XXXXX
Date Received: 2021-10-22T12:00:00-05:00
Date Sent to Company: 2021-10-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a credit card with Discover card services and I requested a credit line increase 0n XXXX, I was shocked when they denied me because I have excellent credit. I waited for denial letter which states they received report from XXXX. All of the information is wrong I immediately called XXXX, XXXX rep told me Discover has not checked my credit and that my last inquiry was in XXXX and not from discover card. XXXX told me to call them when I called they are denying it and claim they got information from XXXX. Not sure where discover card received their information from because I have no inquiries on my XXXX report from them. The information they are providing me is completely wrong, I have NO outstanding balances on any of my credit cards, my credit rating Is exceptional and very good.
Frequently Asked Questions
What is Complaint #4835873 about?
Complaint #4835873 was filed against Discover Bank regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-10-22T12:00:00-05:00.
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, credit repair services, 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.