Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I order my credit report. On my report its showed that the amount due on both accounts were charged off. A charge off is synonymous to a certificate of indebtedness & the IRS manual considers a charge off/ COI income & income can not be reported on a consumer report. I also never received any 1099-c form as a receipt for the cancelation of that debt. I contacted Discover Financial Service Customer Service multiple times over several days. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting. This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. 15 U.S.Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1666b. A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. Both of my accounts displays clear VIOLATIONS of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), Except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. Therefore, I request that my TRANSACTION between Myself and DISCOVER, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! They're in DIRECT violation of 15 U.S. Code 6801 - Protection of nonpublic personal information Specifically this subsection 15 U.S. Code 6801 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. - ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Discovers privacy policy Specifically says they can not share information on credit worthiness. They have been reporting 13 months worth of credit worthiness information unlawfully without my written or verbal consent for account ending in ( XXXX ) and reporting 29 months worth of credit worthiness information unlawfully without my written or verbal consent For account ending in ( XXXX ). That's grounds for an {$13000.00} pay out for account ending in ( XXXX ) & a {$29000.00} pay out for account ending in ( XXXX ) according to 15 U.S. Code 1681 ( n ), which allows for { {$1000.00} } per violation. YOU ARE IN VIOLATION OF EVERY CODE IVE IDENTIFIED. Every discrepancy mentioned herein is also a violation of the privacy act of 1974.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I called Discover Financial Services Customer Service for Credit Card Holders over the course of the last week on multiple occasions.They also have the phone records and it links them to my account. I read them their privacy policy which will be attached below verbatim and expressed that I was exercising my right to OPT-OUT of any and all of my personal, financial and confidential information being furnished to any third party non-affiliates such as credit bureaus like XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Some agents claimed they couldn't opt me out and i spoke to supervisors who said they could opt me out and made claims that they did. Yet I ordered my credit reports from all the bureaus and my information is still being illegally reported. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting to no avail and more disrespect. This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. 15 U.S.Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1666b. A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. My account displays clear VIOLATIONs of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), EXCEPT AS PROVIDED in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. Therefore, I request that my TRANSACTION between Myself and DISCOVER, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! YOU ARE IN VIOLATION OF EVERY CODE IVE IDENTIFIED.Discovers privacy policy Specifically says they cant share information on credit worthiness. Theyve been reporting 8 months worth of credit worthiness information unlawfully without my written or verbal consent and thats grounds for an {$8000.00} pay out according to 15 U.S. Code 1681 ( n ), which allows for { {$1000.00} } per violation, for account ending in ( XXXX ) without my expressed written consent. They're in DIRECT violation of 15 U.S. Code 6801 - Protection of nonpublic personal information Specifically this subsection 15 U.S. Code 6801 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. - ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at anytime. Every discrepancy I mentioned herein is also a violation of the Privacy Act of 1974 FCRA Permissible Purpose The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information. For example, FCRA section 604, entitled Permissible purposes of consumer reports, identifies an exclusive list of permissible purposes for which consumer reporting agencies may provide consumer reports,8 including in accordance with the written instructions of the consumer to whom the report relates and for purposes relating to credit, employment, and insurance. The statute states that a consumer reporting agency may provide consumer reports under these circumstances and no other. In addition, FCRA section 607 ( a ) requires that [ e ] very consumer reporting agency shall maintain reasonable procedures designed to... limit the furnishing of consumer reports to the purposes listed under section 604. And FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. In addition to imposing permissible purpose limitations on consumer reporting agencies, the FCRA limits the circumstances under which third parties may obtain and use consumer report information from consumer reporting agencies. FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. The Bureau and the Federal Trade Commission ( FTC ) have collectively brought numerous enforcement actions to address violations of the FCRAs permissible purpose provisions. For example, in a case that resulted in a XXXX settlement with a consumer reporting agency, the FTC alleged that the agency violated the FCRAs permissible purpose provisions by providing consumer reports to persons without a permissible purpose, resulting in at least XXXX cases of identity theft. More recently, in XXXX, a group of companies and individuals settled Bureau allegations that they obtained consumer reports without a permissible purpose when they obtained consumer reports for use in marketing debt relief services. Also in XXXX, a mortgage broker settled FTC allegations that it used consumer reports for other than a permissible purpose when, in response to negative reviews on a website, it publicly posted information it had obtained from a consumer report about the reviewer.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover card has reported an account to the credit bureaus that does not belong to me. There was an account opened using an address that does not belong to me in a different state. Discover card reported this address to the credit bureau as my address and I have never lived in that State or at that address and they refuse to remove the disputed information from my credit file. The account has never been paid and the credit card was maxed out within 90 days of opening it. The address used to open the account is a hotel in a shady part of XXXX Georgia.
Company Response:
State: MS
Zip: 39206
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit card debt was already settled with Discover bank since XXXX of XXXX. However, it continues to negatively harm my credit score as " negative '' each and every month. ( See attachment below ). In spite of me producing a request for disclosure pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997, and pursuant to section 609 of the Fair Credit Reporting Act, Discover refuses to remove/delete it from my report.
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I recently did a balance transfer from a XXXX account to my Discover Card in XX/XX/2023. The Discover Card had no balance before the transfer but I previously had setup automatic payments to pay in full. At the time of transfer, I had not changed the automatice payment from full to minimum payments. As a result, the full amount was paid and my account was overdrawn. I called Discover who suggested I call XXXX to stop payment. We called and did stop payment. For the month of XXXX, I setup a automatic minimum payment going forward. I called Discover and confirmed that I had setup the account correctly. I also asked the representative if this payment would put the account status back in good order. They told me yes. A few weeks later I got an alert on my credit report of a delinquent account and my score was reduced by XXXX points. This took my credit from very good to poor. I called Discover and spoke with a XXXX specialist who was going to listen to the calls and get back with me in a few days. It's been about three weeks and I haven't gotten a call back. I've been calling every week and when I call they say someone will reach out to me. I'm XXXX XXXX XXXX and have never missed a payment in my life. I've been a long time custmer of Discover. I never got a phone call or mail from Discover telling me there were any issues with my account prior to their credit reporting. And when I called to inquire I was told everything was fine. I called again today and was told I needed to make an additional payment or my account would be flagged for being late 90 days. I've been calling for three weeks about this account and this is the first time anyone mentioned an additional payment. What is going on? I made the additional payment. And again I was told someone would be reaching out to me after they listened to the recording. I've been told this for over two weeks now. Meanwhile my credit is ruined and Discover won't address my issue.
Company Response:
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I recently did a balance transfer from a XXXX account to my Discover Card in XX/XX/2023. The Discover Card had no balance before the transfer but I previously had setup automatic payments to pay in full. At the time of transfer, I had not changed the automatice payment from full to minimum payments. As a result, the full amount was paid and my account was overdrawn. I called Discover who suggested I call XXXX to stop payment. We called and did stop payment. For the month of XXXX, I setup a automatic minimum payment going forward. I called Discover and confirmed that I had setup the account correctly. I also asked the representative if this payment would put the account status back in good order. They told me yes. A few weeks later I got an alert on my credit report of a delinquent account and my score was reduced by XXXX points. This took my credit from very good to poor. I called Discover and spoke with a XXXX specialist who was going to listen to the calls and get back with me in a few days. It's been about three weeks and I haven't gotten a call back. I've been calling every week and when I call they say someone will reach out to me. I'm XXXX XXXX XXXX and have never missed a payment in my life. I've been a long time custmer of Discover. I never got a phone call or mail from Discover telling me there were any issues with my account prior to their credit reporting. And when I called to inquire I was told everything was fine. I called again today and was told I needed to make an additional payment or my account would be flagged for being late 90 days. I've been calling for three weeks about this account and this is the first time anyone mentioned an additional payment. What is going on? I made the additional payment. And again I was told someone would be reaching out to me after they listened to the recording. I've been told this for over two weeks now. Meanwhile my credit is ruined and Discover won't address my issue.
Company Response:
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, Complaint # XXXX was submitted to the CFPB for Discover Cards reporting of derogatory, inaccurate information on my Credit Report. On XX/XX/XXXX, Discover Card responded to the complaint and advised that they were investigating the complaint, and would provide a detailed responses within 60 days. On XX/XX/XXXX, the Executive Office of Customer Advocacy at Discover ( hereinafter Discover ) provided a response to the complaint. Discover stated that complainants concerns were reviewed and addressed on XX/XX/XXXX under Complaint # XXXX. Discover further advised that complainant had not provided any additional information since that time. Nonetheless, Discover states the following : - On XX/XX/XXXX, the account at issue was opened through an application and a {$800.00} security deposit ; - Discover states that Complainant accepted the Cardmember Agreement, which states, in part, that if Complainant is in default under the agreement or the account is closed for any reason, complainant authorizes Discover o withdraw all or any portion of the Funds from the security deposit account and apply them to reduce outstanding obligations. - On XX/XX/XXXX, the account at issue was placed on hold to verify additional information for [ the ] account. '' - On XX/XX/XXXX, Discover completed their review and a business decision was made to close [ the ] account. - On XX/XX/XXXX, {$740.00} of [ the ] security deposit was applied to the account balance and again on XX/XX/XXXX, additional monies, totaling {$41.00} was also applied to the account balance and deducted from the security deposit. - Discover also stated that a refund was due in the amount of {$17.00} and that the account balance had a remaining {$20.00} balance. Complainant does not dispute that she accepted the terms of the agreement. While Complainant does dispute the balance at the time the account was closed, this was not the subject of the complaint. Complaint XXXX was submitted to address the derogatory and accurate information that Discover continues to report on Complainants XXXX, XXXX, and XXXX credit reports. Specifically, Discover is reporting two 30 days late payments in XX/XX/XXXX and XX/XX/XXXX ( see attached portion of complainants XXXX report ). Multiple attempts have been made to resolve Complainants concerns with the account at issue. To date, Discover has failed to acknowledge and/or correct the inaccurate information being reported to all three credit bureaus in blatant violation of the Fair Credit Reporting Act. Section 623 of the FCRA and Regulation V provides that Discover, a furnisher, must not furnish inaccurate consumer information to a CRA, and that Discover has an obligation to investigate a consumers dispute that the furnished information is inaccurate or incomplete. A review of the response provided by Discover on XX/XX/XXXX makes absolutely no reference to Complainants concerns regarding inaccurate and derogatory information. Rather Discover admits that the account at issue was closed in XX/XX/XXXX, evidence which supports Complainants Complaint that Discovers reporting of late payments in XX/XX/XXXX and XX/XX/XXXX are not possible and are inaccurate. Indeed, XXXX had no additional obligation to make timely payments and the account did not have an outstanding balance. Discover also admits that as of XX/XX/XXXX, after Discover continued to deduct funds from the accounts security deposit three months after the account was abruptly closed, Complainant did not owe a balance on the account at issue. In fact, Discover admits that a {$20.00} credit remains on the account at issue. Based on the facts and information provided by Discover, XXXX could not possibly have been late on any payments after XX/XX/XXXX and therefore Discovers continued reporting of two late payments in XX/XX/XXXX and XX/XX/XXXX are not accurate and must be removed. Discovers ongoing reporting of derogatory information that has demonstrably false is a violation of Section 623 of the FCRA. Therefore, Complainant is submitting this complaint once again and demanding that Discover correct the inaccurate information. If Discover continues to report the inaccurate, derogatory, and factually impossible information to the credit bureaus, Complainant will have no other choose but to file a lawsuit seeking damages sustained as a result of Discover falsely reporting late payments on my credit report.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Discover allowed some one who was not Authorized on my account to make payment to my account and made purchases on my account .I wasn't aware at that time that my account was compromised so when I filed a dispute Discover went against their customer and tried to make me pay for the fraudulent charges .This company don't care about they customers
Company Response:
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A