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FCRA Counterclaim? Credit bureau showing DFS not Discover Bank


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Hi to all, great forum! Glad I found it.

Being sued by Discover in NJ ... I'm curious as to the standing I would have in a counterclaim where the FCRA is concerned...had already disputed a trade line on 1 of the 3 bureaus a while back and interestingly enough, I found out when looking at the credit report today that Discover Financial Services LLC (DFS) is reporting on the bureau and NOT Discover Bank, the plaintiff filing suit.

Problem is, have to provide an answer soon and not sure if I have enough time to write Discover Bank (or DFS?) requesting them to remove the incorrect information given the allotted time to secure a solid counterclaim.

Any thoughts?

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