Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
Formal Complaint Against Discover Financial Services CFPB Case # : XXXX Dear Sir/Madam, I am writing to formally file a complaint against Discover Financial Services for violations of federal and state consumer protection laws in connection with my account ending in XXXX. This complaint outlines the specific violations, the harm caused, and the corrective actions I am requesting. 

1. Background Information Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account in Question : DiscoverR Card ending in XXXX Date of Account Opening : XX/XX/XXXX Last Payment Received : XX/XX/XXXX ( {$59.00} ) Charge-off Date : XX/XX/XXXX Current Balance : {$2200.00} CFPB Case # : XXXX XXXX. Current Status of Account Account Ending in XXXX : Discover must provide the current status of this account, including : Charge-off Date : XX/XX/XXXX. 
Balance : {$2200.00}. 
Last Payment Received : XX/XX/XXXX ( {$59.00} ). 
Dispute Status : Marked as disputed per FCRA 1681i ( a ).

3. Cease & Desist Directive Effective immediately : All Non-Written Communication : Prohibited under FDCPA 1692c ( c ).

Credit Reporting Freeze : Implemented until full validation is provided, per XXXX v. XXXX  ( XXXX. XXXX. XXXX ). 
Violations Will Trigger : {$1000.00} Statutory Damages : Per FDCPA violation.

Treble Damages : Under Texas Finance Code 392.403.

4. Request for Comprehensive Investigation Pursuant to 15 U.S.C. 1681b, 1681e, 1681i ( FCRA ) and 12 CFR Part 1006 ( Regulation F ), I dispute the accuracy of the account and demand a full reinvestigation. Provide the following : Required Documentation : Account Verification : Original contract/agreement bearing my signature, complete payment history, charge-off date and amount, proof of ownership/assignment. 
XXXX XXXX Compliance : Current status code, reason for closure, date of last payment, balance history.

Hard Inquiry Validation : Evidence of permissible purpose under 1681b.

5. Legal Basis for Request A. Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Discover failed to follow reasonable procedures to ensure maximum accuracy.

1681i ( a ) : Discover did not conduct a reasonable reinvestigation of the disputed information. 
XXXX XXXX XXXX XXXX ( XXXX ) : Reinvestigations must be thorough, not superficial. 
XXXX XXXX XXXX XXXX ( XXXX ) : Inaccurate hard inquiries harm creditworthiness. 
B. Fair Debt Collection Practices Act ( FDCPA ) : 1692g : Debt validation must include creditor name, amount, and verification rights.

1692e : Prohibits false/misleading representations about debt status.

C. Texas Laws : Finance Code Ch. 392 : Prohibits deceptive debt collection practices.

Civil Practice & Remedies Code 16.004 : Enforces a 4-year statute of limitations on debt claims.

D. CFPB Regulation F ( 12 CFR 1006 ) : 1006.34 : Requires clear validation notices and dispute resolution procedures.

6. Validation Checklist A. Financial Documentation : Forensic audit of the alleged balance ( CFPB Regulation F, Appendix B ).

Proof of no post-SOL interest/fees.

B. Data Compliance : AES-256 encryption logs ( GLBA 6802 ).

Debt collector data-sharing contracts. 

C. Credit Reporting : XXXX XXXX " XXXX  '' dispute code ( XXXX XXXX XXXX XXXX, XXXX ). 

E-OSCAR investigation audit trail. 

7. Demand for Action Immediate Correction : Remove or correct all inaccuracies within 30 days. 
Documentation : Provide all requested records within 15 days. 
Confirmation : Send a written report of findings and actions taken. 
Failure to Comply Will Result In : Formal complaints to the CFPB, FTC, and Texas Attorney General. 
Legal action for willful noncompliance under 1681n ( up to {$1000.00} per violation + punitive damages ).

Company response to consumer: Closed with explanation