Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
WILLFUL FCRA/FDCPA VIOLATIONS- DISMISSED LAWSUIT EVIDENCE IGNORED BACKGROUND - LEGAL VICTORY IGNORED : XX/XX/XXXX : Discover Bank voluntarily dismissed Case No. XXXX in XXXX XXXX XXXX rather than face court sanctions for failure to prosecute their debt collection lawsuit against me. Court records show they retreated from a scheduled sanctions hearing, proving they can not legally substantiate this debt claim. 

MULTIPLE FEDERAL LAW VIOLATIONS : XX/XX/XXXX : Sent certified mail cease & desist letter to their collection law firm XXXX XXXX XXXX demanding cessation of all collection activities. Letter received and signed for - XXXX RESPONSE for XXXX days, violating FDCPA Section 1692c ( c ). 

XX/XX/XXXX : Sent second certified mail letter combining cease & desist demands with comprehensive debt validation requests under FDCPA Section 1692g, demanding verification of debt amount, original creditor proof, authority to collect documentation, and complete account records. Letter received and signed for - XXXX RESPONSE for XXXX days, violating multiple FDCPA requirements. 

XX/XX/XXXX : Sent certified mail FCRA dispute directly to Discover Bank with complete court dismissal documentation, court register showing their retreat from sanctions hearing, and demand for immediate credit reporting correction under FCRA Section 1681s-2. Letter received and signed for - ZERO RESPONSE for XXXX days, violating federal investigation requirements. 

WILLFUL VIOLATIONS CONTINUE : Despite receiving clear legal proof that their own lawsuit was dismissed due to inability to substantiate the debt, both Discover Bank and XXXX XXXX XXXX continue violating federal consumer protection laws : XX/XX/XXXX : Equifax, Experian, Transunion credit report shows fresh negative reporting despite dismissal evidence ; shows continued " CLOSED/CHARGE_OFF '' status ignoring legal resolution. 

XXXX days : Complete silence to all federal law compliance demands Pattern of violations : Systematic ignoring of FDCPA cease & desist, validation requests, and FCRA XXXX demands. 

INVESTIGATION FAILURE : Under FCRA Section 1681s-2, companies must investigate consumer disputes within XXXX  days and provide written results. Despite providing undeniable court evidence that they voluntarily dismissed their own lawsuit, they have conducted XXXX investigation and provided XXXX information for over XXXX  days. 

STATUTORY VIOLATIONS ESTABLISHED : FDCPA Section 1692c ( c ) : Communication after cease & desist ( XXXX day violations ) FDCPA Section 1692g ( b ) : Failure to validate debt within XXXX  days FCRA Section 1681s-2 ( b ) : Failure to investigate dispute within 30 days FCRA Section 1681s-2 ( a ) : Continuing inaccurate reporting after receiving dismissal evidence WILLFUL MISCONDUCT EVIDENCE : Their complete silence despite receiving court dismissal orders, certified mail receipts confirming delivery, and clear federal law violation notices demonstrates willful violations subject to enhanced statutory damages up to {$1000.00} per violation plus attorney fees. 

RELIEF REQUESTED : Immediate regulatory investigation and enforcement action for systematic federal law violations, complete correction of credit reporting to reflect lawsuit dismissal, cessation of all collection activities, and investigation of pattern violations warranting regulatory sanctions. 

DOCUMENTATION AVAILABLE : Court dismissal order, court register, certified mail receipts for all ignored federal law demands, current credit reports showing continued violations despite evidence provided.

Company response to consumer: Closed with non-monetary relief