Date Received: 2023-03-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with Fair Credit Reporting Act, Discover Bank has violated my rights. Under 15 U.S.C. 1681 Section 602 section 4 - states that I have the right to privacy. 15 U.S.C. 1681 Section 604A section - states that a consumer reporting agency can not furnish an account without my written instructions. And, 15 U.S.C. 1666 B - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ive reached out multiple times in reference to this account. The card was secured with a XXXX deposit, with only XXXX dollars used in credit. The account was closed with no reason given. I never asked for the account to be closed and inadequate reasons were given. My remainder money was kept and never sent back to me.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
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: XXXX XXXX XX/XX/XXXX AND DISCOVER BANK XX/XX/XXXX and T XXXX XXXX XX/XX/XXXX these accounts not opened by me. I only have 2 cards with XXXX XXXX and 1 credit card with XXXX XXXX. Ive sent many letters to all 3 credit bureaus and also to XXXX XXXX and Discover Card bank with no resolution. I am still wait to hear back from XXXX XXXX cause ive never had services with them also.
Company Response:
State: KY
Zip: 42420
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX amount {$860.00} ; Discover Bank # XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, 15 u.s.c.1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.
Company Response:
State: OK
Zip: 743XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have an account with Discover card. Over a year ago, I deposited {$1000.00} into a secured card. Last XXXX, I was told that I would get my deposit back. It's XX/XX/XXXX and still no deposit.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account was in bad terms and i set up payment arrangements to come up to date on payments. The payments were made on time but account was still closed without any notice. The dates on all three credit bureaus are showing different account dates and reporting inaccurate.i disputed through XXXX XXXX and XXXX and no change was made.
Company Response:
State: WV
Zip: 263XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
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: See attachments below. Your report didnt fix anything for my problem!
Company Response:
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Discover, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has different notations on each of my XXXX and XXXX credit reports. Under 15USC 1681 ( a ) ( i ) I believe I am allowed to verify and correct any erroneous, inaccurate items on my credit profiles! XXXX has " collection/charge-off '' and XXXX states " 120 days late ''!!! I need these items deleted as they are harming my credit status and the purchase of a home!
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
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: Please note that I am the author of this complaint and all attachments. The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
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: Please note that I am the author of this complaint and all attachments. The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A