Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6587018
Complaint Overview
Complaint ID: 6587018
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: North Carolina
ZIP Code: 281XX
Date Received: 2023-02-17T12:00:00-05:00
Date Sent to Company: 2023-02-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Discover was contacted by me in XXXX to be removed as a authorized users. I never used this card and never received a bill, statement in my name. I sent a letter in XXXX to Discover to opt out of reporting and to ask them to remove this account from my report because it is not my responsibility but was hurting my credit profile. That request has gone ignored and I disputed this with all credit reporting agencies who have recently lied and fabricated my report by stating that this account is my account and it has been verified. Discover has never provided me with such documentation to confirm or validate that I am the responsible party for this debt. Discover, XXXX, XXXX and XXXX have all committed fraud and have knowingly been reporting inaccurate information on my credit profile per 15USC1681. You will see in the letters below that the mail from Discover is not for me I am not the holder or any longer a Authorized users on this account. Invoices for XXXX due to damages I have faced from their illegal negligence will be mailed out the week of XX/XX/XXXX to all parties involved in this fraud against me. Discover, XXXX XXXX and XXXX are already in violation of the below code : The privacy act of 1974 15 USC 6802 20 USC 1232G 5 USC 522A 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character
Frequently Asked Questions
What is Complaint #6587018 about?
Complaint #6587018 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 2023-02-17T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.