Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
Re : Reinvestigation Demand ; Refusal to Provide Evidence ; Restore Dispute Coding ; Records Preservation Account : Discover acct ending in XXXX CFPB Case Nos. : [ Insert case numbers ] Dear Executive Office, I dispute the accuracy and completeness of the information you are furnishing on Discover account ending in XXXX. Your letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX contain material inconsistenciesmost notably your statement that as of XX/XX/XXXX, we have removed the dispute status, while elsewhere asserting you continue to report the account as disputed unless I instruct otherwise. This demonstrates non-compliance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information known to be inaccurate.

I hereby demand that you restore the dispute notation immediately and correct any period in which the account was reported without a dispute flag while my disputes were pending. 

Your Refusal to Provide Evidence Conflicts With the Law In your responses, you have refused to supply critical records necessary for verification, including but not limited to : Application-level data : IP addresses, device identifiers/fingerprints, metadata showing date/time/location of application, and records of any one-time passcodes ( OTP ), SMS, or email challenge responses.

Card activation records : How, when, and on what device the card was activated, including location and IP tied to activation.

Transaction authentication data : Merchant-level descriptors of charges and Address Verification Service ( AVS ) or Card Verification Value ( CVV ) match data. 

Call and interaction recordings : Copies or transcripts of the cited calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as internal notes of those conversations. 

Internal reporting/dispute coding : All XXXX dispute codes furnished to the CRAs and the dates when dispute coding was added, removed, or changed. 

Your refusal to provide these records while simultaneously asserting the accounts validity is not permissible.

Under 15 U.S.C. 1681s-2 ( b ), once you receive a dispute, you must conduct a reasonable investigation and review all relevant information. A reasonable reinvestigation requires reference to the underlying evidence used to furnish the account, not just a conclusory database check.

By withholding authentication records while continuing to furnish, you have failed to perform a lawful reinvestigation. This constitutes noncompliance with 623 ( b ) ( 1 ) ( A ) ( E ).

Your refusal also interferes with my rights under 15 U.S.C. 1681i ( a ) ( 6 ) ( 7 ) to receive the method of verification from the CRAs, since you are denying them ( and me ) access to the very records you rely on. 

For the record, your refusal itself is a violation of the FCRA. I consider your reinvestigation incomplete and unreasonable until you produce objective, verifiable records. 

Specific Evidence Required Accordingly, please provide within 30 days the above-listed items, including : Application and account-opening authentication logs ; Card activation records ; Merchant-level transaction authentication data ; Call recordings and transcripts ; Dispute codes furnished to CRAs, with dates ; Billing statements and hardship-program enrollment records, with proof of consent.

If you can not substantiate the account with competent, objective records, you must promptly cease reporting and instruct the CRAs to delete the tradeline, per 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ).

Records Preservation This is also a records-preservation notice. You are instructed to preserve all electronic records and audio relating to this account, including KBA/OTP logs, call recordings, screen notes, and collection records.

My Remedies Under the Law Be advised of my remedies should you fail to comply : Pri
vate Right of Action : Under 15 U.S.C. 1681n and 1681o, I may bring a lawsuit against you for willful or negligent violations of the FCRA.

Willful violations ( 1681n ) : liability for actual damages or statutory damages of {$100.00} {$1000.00} per violation, punitive damages, plus costs and attorneys fees.

Negligent violations ( 1681o ) : liability for actual damages, plus costs and attorneys fees.

Regulatory Enforcement : I will supplement my pending CFPB complaints with this letter and request referral to enforcement staff for supervisory review of your FCRA compliance practices.

Credit Reporting Consequences : If you can not verify with competent evidence, you must instruct all CRAs to delete or correct the tradeline immediately under 623 ( b ) ( 1 ) ( E ).

Personal Accountability of Your Representatives Please also be advised that if litigation becomes necessary, I will specifically identify by name any Discover employees who signed or certified written correspondence containing false or misleading representations including XXXX, XXXX XXXX XXXX XXXX XXXX, who authored the XX/XX/XXXX letter. While the primary defendant will be Discover Bank, her actions and certifications will be placed into the public record as part of my complaint and attached exhibits. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation