Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5827349
Complaint Overview
Complaint ID: 5827349
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 information incorrect
State: New York
ZIP Code: 11226
Date Received: 2022-07-31T12:00:00-05:00
Date Sent to Company: 2022-07-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022, DISCOVER BANK added a derogatory mark on my credit report per XXXX. Upon further research, this account was settled/Paid in full. I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, DISCOVER BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Frequently Asked Questions
What is Complaint #5827349 about?
Complaint #5827349 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 2022-07-31T12:00:00-05:00.
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.