Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6028738
Complaint Overview
Complaint ID: 6028738
Company: Discover Bank
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Pennsylvania
ZIP Code: 16602
Date Received: 2022-09-28T12:00:00-05:00
Date Sent to Company: 2022-09-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Improper uses of credit report accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purposes. Billing Error Pursuant to 12 CFR 1026.13 XXXX XXXX can not report late payments in accordance with this regulation of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).
Frequently Asked Questions
What is Complaint #6028738 about?
Complaint #6028738 was filed against Discover Bank regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-09-28T12:00:00-05:00.
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.