Discover Credit Card Complaint

Discover Credit card department,

Louisiana

Discover is reporting information on my credit file that is not only inaccurate but illegal. First of all they are reporting information different information between - and -. Secondly, I 've requested records for the history they are reporting and sent the request via certified mail, and they 've yet to reply. Thirdly, I 've disputed the information on 3 different occasions and they continue to verify and/or even add more illegal inaccurate information to the reporting rather than fixing the issue. I have complained to the CFPB on - and - for allowing the information to be reported and - has stated that their job is to report whatever the furnisher tells them to report whether the information is inaccurate or not they ca n't change it unless Discover changes it. This has been ongoing now for years and has only come to my attention the last few months. This means that this information has cost me tons of money in interest on other accounts that have been opened since this reporting and is currently costing me credit denial. On - -, - I sent a request to Discover via certified mail requesting billing statements because they were n't


see in the information provided as evidence the updating they 've done over the course of me disputing the information and how they 've changed and added information that is completely inaccurate. To me it looks as though they are doing this on purpose with intent to harm my scores and they 've cost me enough money and enough of my time. Discover charged the account off -/-/2011 and they continue to report the account as a charge off until - - where they then decide to plug in 180 day late payments for the next several months then report the account as a charge off again in - - with - but with - they report the account late in -/-/- and -/-/- the report the account as a charge off for a month, then go back to reporting the account as 180 days late then go back to reporting the account as a charge. Discover actually updated that information to - when I disputed the account because originally they were only reporting the charge off in -/-/-, then the 180 day late payments beginning -/-/- and ending in - - then charged off again. BUT the most recent dispute, the updated the account to reflect 180 days late a second time after the they had already charged it off on two other occasions. All of this is Ludacris.