Consumer complaint received 2018-08-01
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been for a few months now monitoring my credit reports, having any and all listed accounts investigated as proper means of verification, validation, and accuracy. In the case of this Discover account I have been disputing the accuracy and validity of. I have disputed the account 's accuracy directly with Discover, as law requires, and disputed the validity of the with the major credit bureaus. I indeed disputed first with the credit bureaus. The company 's name appears as Discover Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ( abbreviated ) on my reports.

I requested a thorough/proper investigation directly from Discover ; under Section 623 of the FCRA, I have this right to seek investigation from them and to receive from them detailed results of their investigation, which includes the methods used and proof of how they ( repeatedly ) came to the conclusion that the account is " accurate '', " mine '', " verified '', and " valid ''. I should clarify that I am aware of the trickiness of using the term " proof '' in invoking FCRA Section 623. What I mean is that the findings of their investigation should POINT to whether or not the account is accurate, verified & valid, and they are supposed to correct an account if not. In the case of my disputing the accuracy of the entire account, as well as the accuracy of their conclusions to their investigation, a correction also includes deletion.

Plainly, to this date, I have not received good, solid reasons, proof, investigation results, etc. from Discover or the major credit bureaus proving/confirming that the account is accurate, verified, and valid. To the credit bureaus, I investigated this account citing Section 609, demanding proof of the account 's validity ; this proof I requested was an original consumer contract bearing my actual, wet signature. The bureaus have not cooperated at all, and I plan to do a separate report on them individually. THEY HAVE BEEN TAKING DISCOVER 'S WORD ( that the account is " accurate '' & " verified '' ) WITH ZERO REAL PROOF. How is a consumer supposed to dispute false accounts when companies just continue sticking this false information on reports with no serious investigations or valid proof? I feel like my hands are tied because both parties refuse to listen and I keep getting absurd responses back.

I have attached a few documents : They are all of the letters I have sent to Discover directly and redacted versions of the letters I sent to the bureaus ( so that it does not include other disputed accounts since they are not a part of this complaint ). I must point out two things regarding these documents ...

1 ) It is VERY important to highlight the fact that Discover has PROVEN that they do not even have enough information to claim that the account is valid, accurate, and verified! I have attached the documents proving this. Yet? The bureaus never took this info seriously when I mentioned it to them and Discover ( who I am filing THIS complaint against ) never acted properly by deleting this invalidated account after I pointed out the same to them. They keep sending the same brick-wall letters stating that they will continue to collect and report the account as 'disputed '.

2 ) I asked extremely important questions in the Section 623 letters to Discover and THEY WERE NEVER ANSWERED. The questions contest each of their bullet-pointed reasons as to why the false account is supposedly " accurate '' and " verified ''. For example, since they are so certain of the reasons, I ask for them to provide findings from their " investigation '' that proves I used the card for purchases and that I received the card in the first place! Have I gotten this simple info after well over 90 days of requesting ( since XXXX-XXXX )? No.

Does the CFPB stand by this sort of negligent, dangerous, reckless acts on the part of Discover ( and the bureaus )?

FCRA Section 623 demands that if an original creditor does not have accurate records pertaining to a debt, then the creditor must have the credit bureaus remove the negative information from my credit reports. Discover has not been complying properly with this process.

I do not entirely understand what it is I am supposed to do to contest unverified, invalidated, inaccurate accounts when I am constantly met with 'we are going to continue reporting anyway whether or not we have proof or provide you the consumer with proof '. Absurdity! Moreover, as you see from the attachments, I have increasingly given the bureaus and Discover more information and made my case plainer.

I have been and still am seeking that this account is deleted from my person and from all of my credit reports Discover reports the account to. Why? I have repeatedly disputed and repeatedly requested investigations. There have not been any serious investigations ; the questions & observations challenging their non-conclusions were never taken into consideration ; and there has never been any furnishing of accurate records pertaining to that debt.

Company response to consumer: Closed with non-monetary relief