Consumer complaint received 2024-01-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (MO)

I asked for you to remove these accounts from my credit report and you instead updated them. I am at a loss right now, because I provided facts directly from my credit report that detail because they do not belong there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed immediately below them. 

In addition, I need to see where you are getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately. I don't believe that there's been an actual investigation on these accounts and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. 

I would also like to see all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you guys keep telling me that I am wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? Delete the following fraudulent items from my credit report that I have reported to the FTC, CFPB and police department! 

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation. I have tried to contact every XXXX of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. 

I am sending this letter certified mail, return receipt requested so that I will have documented confirmation of delivery. I would like to see the paperwork that proves you did not simply use an electronic response system with the disputed creditors. I've done some research and have found that this can not possibly result in a true and independent investigation! 

How could it possibly when there are XXXX computers communicating the same information? You would obviously come back with a verified as accurate response when you are comparing the information you have against the information the creditor has because this info is directly from their records! Where are the documents that prove otherwise? 

What contracts, receipts, records, applications and other paperwork were used to determine the accuracy of my disputed accounts? Please send me this paperwork along with a detailed report that goes over how this investigation was done and irrefutable proof that your claim is true. If this documentation is not provided, then it goes to prove that I'm right and these should not be reported like this. 

What doesn't make sense is that I've provided FACTS directly from my credit report and I've shown you why they're wrong and yet, you continue to report. Please expedite this process because this just isn't right! 
Please re-investigate the following below accordingly or I will ask my legal representative to escalate these matters to small claims court litigation, because I have done everything, I am supposed to do under FCRA XXXX.