Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: DE

Complaint narrative:
I am submitting this complaint regarding Discover and its debt collection representatives failure to provide requested account documentation and debt validation for a debt being reported on my consumer credit report. 

On XX/XX/XXXX, I contacted the debt collector reporting a Discover account on my credit report and formally requested all account statements and records associated with the alleged debt. 

I specifically requested that all statements from XX/XX/XXXX, forward be mailed to me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I was advised by the representative that the account was closed, that mail was the only method by which these records could be provided, and that delivery would take up to XXXX days. 

As of XX/XX/XXXX, more than XXXX  days later, I have not received any account statements, validation documents, or written response explaining the delay. 

Despite this failure, the debt continues to be reported to consumer reporting agencies. 

Because a debt collector is involved, this matter is governed by the Fair Debt Collection Practices Act ( FDCPA ). The failure to provide requested validation and documentation raises concerns under, but not limited to : 15 U.S.C. 1692g ( b ) : A debt collector must cease collection activities until it provides verification of the debt upon consumer request. 
15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations in connection with the collection of a debt, including continuing to represent a debt as valid without substantiation. 
15 U.S.C. 1692f : Prohibits unfair or unconscionable collection practices, including attempting to collect or report a debt without providing requested verification. 

Additionally, continued credit reporting without providing documentation raises accuracy concerns under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( b ). 

The collector and Discover have failed to provide even basic account documentation, including statements, itemization of the balance, or proof of the debts validity, despite acknowledging my request and provide a specific timeframe for fulfillment. 

Continuing to report this debt while withholding documentation impairs my ability to review, dispute, or validate the alleged obligation and undermines the integrity of the consumer reporting system. 

I request CFPB oversight to require Discover and its collection representative to : - Immediately furnish all account statements and records from XX/XX/XXXX, to present ; - Provide written debt validation, including the basis for the balance, itemization of charges, and date of default ; - Cease reporting or collection activity until validation is properly provided ; - Ensure that any information furnished to consumer reporting agencies is accurate, complete, and supported by documentation. 

If Discover or its agent can not substantiate this debt with proper records, continued reporting and collection efforts are improper and must cease. 

I am requesting CFPB intervention to ensure compliance with the FDCPA and FCRA and to require timely production of the documentation that was requested and promised but never delivered.

Company response to consumer: Closed with non-monetary relief