Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9157576
Discover Bank Credit Report Error: Someone Else's Information Included
Complaint Overview
Complaint ID: 9157576
Company: Discover Bank
Product: Credit reporting 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: 92376
Date Received: 2024-05-31T12:00:00-05:00
Date Sent to Company: 2024-06-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity issues
AI Analysis
CFPB complaint 9157576 was filed against DISCOVER BANK regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported that incorrect information belonging to someone else appeared on their credit report from Discover Bank. The complaint was received on May 31, 2024 from California. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer reports.
Regulatory Insight
Discover Bank, as a furnisher of information, has a responsibility under the FCRA to investigate disputes and correct any inaccuracies.
Resolution Likelihood
likely
State-Specific Consumer Protections
In California, consumers have additional rights under the California Consumer Privacy Act (CCPA) and California Financial Information Privacy Act (CFIPA) regarding their personal information.
Industry Comparison
Disputes regarding incorrect information on credit reports are common across the credit reporting industry, affecting various financial institutions.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9157576 about?
CFPB complaint 9157576 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against DISCOVER BANK on May 31, 2024.
Which company is complaint 9157576 filed against?
Complaint 9157576 was filed against DISCOVER BANK. You can view all complaints against this company on their profile page at /company/discover-bank.
What was the company's response to complaint 9157576?
DISCOVER BANK responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9157576 filed?
Complaint 9157576 was received by the CFPB on May 31, 2024. It was sent to DISCOVER BANK on June 4, 2024.
What state was complaint 9157576 filed from?
Complaint 9157576 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 9157576?
Dispute information is not available for complaint 9157576.
What product category is complaint 9157576 about?
Complaint 9157576 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 9157576 submitted?
Complaint 9157576 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 9157576?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer reports. This relates to a Credit reporting or other personal consumer reports complaint against DISCOVER BANK involving "Incorrect information on your report".
How likely is complaint 9157576 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 9157576?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 9157576?
Discover Bank, as a furnisher of information, has a responsibility under the FCRA to investigate disputes and correct any inaccuracies. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 9157576?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 9157576?
In California, consumers have additional rights under the California Consumer Privacy Act (CCPA) and California Financial Information Privacy Act (CFIPA) regarding their personal information. This complaint was filed from California.
How does complaint 9157576 compare to industry norms?
Disputes regarding incorrect information on credit reports are common across the credit reporting industry, affecting various financial institutions.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the inaccurate information with the credit bureau and the creditor that reported it, providing evidence to support their claim.
What is the typical timeframe for resolving a credit report dispute?
Credit bureaus generally have 30 days (or 45 days if the consumer provides additional information during the dispute period) to investigate and resolve a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.