Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9120642
Complaint Overview
Complaint ID: 9120642
Company: Discover Bank
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: California
ZIP Code: 94043
Date Received: 2024-05-28T12:00:00-05:00
Date Sent to Company: 2024-05-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was looking for my first credit card about a year ago, and was using pre-approval tools to understand what cards I was eligible for. Without ever having submitted the application, I received a card from Discover, their Student It card, with a limit of {$500.00}. I never used the card, shredded it immediately, and had it closed in XXXX of 2023. The card still remains on my report as an inquiry despite attempts to clarify this issue with the creditor as well as credit reporting agencies.
Frequently Asked Questions
What is Complaint #9120642 about?
Complaint #9120642 was filed against Discover Bank regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-05-28T12:00:00-05:00.
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 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.