Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6033369
Complaint Overview
Complaint ID: 6033369
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: Puerto Rico
ZIP Code: 00949
Date Received: 2022-09-29T12:00:00-05:00
Date Sent to Company: 2022-09-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To update the damages to my credit, no matter not asking for credit, the free credit report from XXXX XXXX provided by Discover Bank is already showing XXXX point less, a missed payment and a false recent delinquency, which is no other than the loan from XXXXXXXX XXXX XXXX XXXX XXXX. also known as XXXX I want to thank Discover Bank Chat Representative XXXX, and her supervisor named XXXX as the included chat transcript shows, both were great and tried to do all they could, but because of the unfair consequences to my credit report, is better to send this through the C.F.P.B. than directly by fax to Discover, now that there is a Lawsuit filed on my part. This is not to complain against Discover, but to show to XXXX XXXX, that if ask Discover for a simple credit card limit increase, this fraud authorized by XXXX manager XXXX XXXX XXXX will make any Discover Bank automatic revision process for this purpose null, because it shows a delinquency and a missed payment, no matter, is false. No matter I request a credit line increase, or if it is Discover with an automatic periodic revision, it will be denied because this false delinquency is counted, as fatal cutoff criteria by any Bank or Credit Union, not allowing me to pay attention to current needs requiring credit, like now with this emergency repair for my XXXX XXXX XXXX owned since new, even XXXX require repairs no matter this is the original factory installed XXXX that is going to be replaced after close to 18 years of use since new and more than XXXX miles. The most reliable car, maybe it is, is the one I have in the middle of all this, and is used for my job as XXXX XXXX at XXXXXXXX XXXX, an XXXX XXXX.
Frequently Asked Questions
What is Complaint #6033369 about?
Complaint #6033369 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 2022-09-29T12:00:00-05:00.
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.