Product: Debt collection

Dear XXXX, Thank you for your detailed response to my complaint. However, I respectfully disagree with the conclusions reached by Discover Bank regarding the validity and accuracy of the information reported to the credit reporting agencies. I believe several issues remain unresolved, and I wish to address these concerns directly : 1. Discrepancies in Reporting Accuracy Payment History and Charge-Off Details : The response states that my account first became delinquent on XX/XX/XXXX, and charged off on XX/XX/XXXX. However, the reported payment history does not align with this timeline. My last payment was made on XX/XX/XXXX, and there are discrepancies in how delinquencies are reported across the credit reporting agencies. 
Violation of FCRA Requirements : Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information are obligated to conduct a reasonable investigation when a dispute is raised. Case law, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), emphasizes the necessity of conducting an independent and thorough investigation. Merely restating account records does not meet this legal standard. 
2. Inadequacy of Billing Statements as Validation The billing statements provided do not constitute proper validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Case law has established that billing statements alone are insufficient as validation because they fail to prove the existence or accuracy of the debt on the furnishers ledger. 

Case Law Supporting My Claim : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX ) : Held that simply providing prior billing statements is inadequate as validation of a debt. Debt collectors and furnishers must provide a breakdown of the debt and supporting documentation proving the debtor owes the amount alleged. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Found that debt collectors and creditors must provide a detailed account of the debt, including the original ledger, to meet their burden of validation. 
The billing statements provided in this case lack sufficient detail and fail to demonstrate that the debt is owed. To comply with the FDCPA, I demand an on-ledger file showing all transactions, fees, interest, and adjustments applied to my account. 

3. Deceptive and Misleading Practices Under 15 U.S.C. 1692e By providing only billing statements and asserting that they constitute valid verification, Discover Bank is engaging in deceptive and misleading practices under 15 U.S.C. 1692e. This includes, but is not limited to : False Representation of Debt Validation : Asserting that billing statements alone are sufficient to verify the debt misleads the consumer about the requirements of the FDCPA. 
Omission of Material Facts : Failing to provide a detailed ledger or evidence directly linking the alleged debt to me constitutes an omission of material facts necessary to dispute the debt.

4. Failure to Provide Audit Trail To ensure transparency, I formally request a detailed audit trail of all communications, updates, and verifications between Discover Bank and the credit reporting agencies related to my dispute. This includes all steps taken during the investigation of my dispute under the FCRA. 

5. Impact on Creditworthiness The inaccurate and misleading reporting has caused harm to my creditworthiness, emotional distress, and financial opportunities. Reporting the account as " disputed '' is a start but does not resolve the underlying inaccuracies. 

Resolution Sought : To resolve this matter, I request the following : On-Ledger File : Provide a complete on-ledger accounting of my account, including all transactions, fees, interest, and adjustments, to validate the debt. 
XXXX XXXX : Provide a detailed XXXX XXXX of all communications and actions related to my consumer file and dispute, including Discover Bank 's interactions with credit reporting agencies. 
XXXX XXXX : A more thorough explanation of the investigation conducted by Discover Bank, including how the reporting timeline was verified. 
Corrections to Reporting : Correct any inaccurate or incomplete information, including the payment history, date of first delinquency, and charge-off status. 
If these steps are not taken, I reserve the right to escalate this matter further, including legal remedies under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

Thank you for your time and attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX