Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8860614
Complaint Overview
Complaint ID: 8860614
Company: Discover Bank
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Nevada
ZIP Code: 89512
Date Received: 2024-04-25T12:00:00-05:00
Date Sent to Company: 2024-04-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have sent numerous letters disputing the late payments reported on my credit card account with this company, referencing the Fair Credit Reporting Act under - Timing of payments and - Permissible purposes of consumer reports. According to the Fair Credit Reporting Act, a creditor may not treat a payment on a credit card account as late for any purpose. My records indicate that this company has reported late payments without the proper XXXX day notice on top of the fact that this is/was an open ended credit account. Please correct this immediately.
Frequently Asked Questions
What is Complaint #8860614 about?
Complaint #8860614 was filed against Discover Bank regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-04-25T12:00:00-05:00.
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 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.