Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover Bank is alleging I owe a debt I do not. They are so reporting several late payments that is also incorrect. Discover Bank did not send any certification that this information is accurate.

I am writing to formally request both verification and validation of the alleged debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). Verification and validation are distinct legal concepts, and I demand that you provide both.

Verification is the process of confirming whether I actually owe the debt, as referenced in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX XXXX, verification is defined as an averment that the party pleading is ready to establish the truth of what he has set forth. ... The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court explained that verification involves the " confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' Other courts, such as in XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX Fed. XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), have reiterated this legal principle. 

Therefore, I request the following : XXXX. Proof that I am legally responsible for the debt in question. 

XXXX. A verified statement of the original creditor and the contract or agreement that created the debt. 

Validation is necessary to confirm the legitimacy of this debt before any further action can be taken, as referenced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX defines validation as assessing an action to determine it is complete, correct, implemented, and delivering the correct outcome. XXXX defines it as to check or prove the validity or accuracy of something, and XXXX explains XXXX as to show the existence or truth of, by evidence. 

To this end, I am requesting that you provide : XXXX. Validation of the debt, including a breakdown of how the amount was calculated, itemizing any interest, fees, or charges added to the original balance. 

XXXX. Documentation proving that your agency is authorized to collect the debt on behalf of the original creditor. 

XXXX. Any judgment or legal order obtained against me regarding this debt ( if applicable ). 

XXXX. Proof that the debt is not time-barred under the statute of limitations in my state. 

Until you provide both verification and validation of the debt, I request that you cease all collection activities, including reporting this alleged debt to any credit reporting agencies, as required by the FDCPA. 

Please respond with the requested information within 30 days of receipt of this letter. If you can not provide the necessary verification and validation, I expect you to remove any record of this debt and cease all collection efforts. 

Thank you for your immediate attention to this matter. I look forward to receiving the proper documentation. 

( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original activities and communications that do not other creditor, is mailed to the consumer by the debt collector. Collection wise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1692g - Validation of debts | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX verification is them attesting to, certifying or confirming that their claims are true and they can prove it in court. is... averment that the party pleading is ready to establish the truth of what he has set forth. ... The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true.. The court saidConfirmation of the correctness, truth, or authenticity of a pleading, accoor ount, ther paper, by an affidavit, oath, or deposition. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " Validation is the documented proof. 
assessing an action to determine it is complete, correct, implemented, and delivering the correct outcome. ; XXXX states it as to check or prove the validity or accuracy of something ; XXXX says XXXX to show the existence or truth of, by evidence.

Company response to consumer: Closed with non-monetary relief