Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6363202
Complaint Overview
Complaint ID: 6363202
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: Information belongs to someone else
State: California
ZIP Code: 94112
Date Received: 2022-12-26T12:00:00-05:00
Date Sent to Company: 2022-12-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Discover ( current collection handled by XXXX XXXX XXXX ) is still reporting a fraudulent account ti my XXXX credit report, that was opened in my name. Discover account ending in : XXXX, Account starting with : XXXX, XXXX : {$2000.00}. I have mailed a copy of my official identity theft police report to Discover three different times : in XX/XX/2022, XX/XX/2022, and XX/XX/2022. I have also mailed a copy to XXXX XXXX XXXX, their debt collector attorney. Discover is violating FCRA 605B, which states that any fraudulent account must be removed and cease collection within four days after the receipt of an official legal document stating identity theft, such as an official police report. I also filed a dispute with XXXX for illegal credit reporting and collection attempts, and notified Discover and their collector XXXX XXXX XXXX that I will be pursuing legal action should this item keep reporting. It is still illegally reporting to credit bureau XXXX. I am attaching a copy of my official police report ( XXXX XXXX Police Report incident # : XXXX ) once again, with this XXXX dispute. If this is not fixed by Discover immediately, I will be pursuing legal action against Discover as I have documented and retained a copy of all contact by mail, by phone, and via online through CFPB and XXXX.
Frequently Asked Questions
What is Complaint #6363202 about?
Complaint #6363202 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 2022-12-26T12:00:00-05:00.
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.