Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
Date : XX/XX/XXXX To : Discover XXXX XXXX XXXX XXXX XXXX XXXX : XXXX RE : Formal Response to Your Letter Dated XX/XX/XXXX Discover Account Ending in XXXX Demand for Full Validation, Compliance Review & Immediate Correction CFPB XXXX XXXX. : XXXX, XXXX, XXXX, XXXX Dear XXXX, I am a receipt of your XXXX correspondence, and after careful review, I find your response wholly inadequate and non-compliant with federal consumer protection standards. While you claim that the account is valid and reporting accurately, the documentation provided does not constitute full validation under federal law, nor does it meet Metro 2 reporting or FCRA compliance requirements. 

Your letter admits there is no signed credit application or original agreementonly an alleged electronic acknowledgement. Without verifiable evidence of a signed or legally authenticated contract containing my signature and explicit consent to all account terms, you have not provided legal validation of this debt. Merely providing billing statements does not prove liability or lawful authorization to report or collect on this account. 

Further, your refusal to produce original documentation by citing proprietary information is a direct evasion of your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), both of which require full verification upon consumer dispute. A companys internal policies do not override federal law.

Metro 2 Compliance Warning Furthermore, your claim of compliance with all Metro 2 standards is categorically disputed. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) and ( b ) ) and the Consumer Data Industry Association ( CDIA ) Metro 2 Format Guidelines, furnishers are required to ensure all data fields accurately reflect the true and current status of the account. This includes, but is not limited to, the Date of First Delinquency ( Field 25 ), Account Status ( Field 17A ), Current Balance ( Field 21 ), and Consumer Information Indicator ( Field 11 ). Your continued reporting of a non-zero balance post-charge-off, as well as any failure to properly code the account as disputed, constitutes furnishing false or misleading information to consumer reporting agencies. Such actions represent a direct violation of 15 U.S.C. 1681s-2 ( b ) and a breach of Metro 2 data-integrity standards. Unless corrected, this account will be subject to a formal Metro 2 compliance audit and regulatory escalation with the FTC, and the Pennsylvania Attorney Generals Office for willful non-compliance.

You also assert that you report in compliance with all Metro 2 standards. If that were accurate, the account would reflect a complete and factual reporting sequenceincluding proper Date of First Delinquency, charge-off date alignment, and a current zero balance since the account was charged off and no longer open. I have conducted a forensic review and I will pursue enforcement through the CFPB, FTC, and Pennsylvania Attorney Generals Office for willful non-compliance. 

Additionally, your acknowledgment of a dismissed lawsuit ( filed XX/XX/XXXX, dismissed XX/XX/XXXX ) further raises questions as to the legal standing of this alleged debt and your ongoing right to report or collect. A dismissed legal action invalidates your prior claim, and continued adverse reporting XXXX constitute continued collection activity without validation, which is prohibited under federal law. 

At this time, I am demanding : XXXX. Full debt validation, including : A copy of the original signed application or digital-signature record ; The complete chain of title or assignment of the account ; Proof of lawful ownership and right to collect/report ; An itemized account ledger showing how the alleged balance of {$3000.00} was calculated. 
2. Immediate reinvestigation of credit-reporting accuracy with TransUnion, Equifax, Experian, and Innovis to ensure compliance with 15 U.S.C. 1681s-2 ( b ) and Metro 2 format guidelines.

3. Removal of this charge-off from all consumer reporting agencies until validation is completed in full. 

Failure to provide the above within XXXX business days from receipt of this notice will constitute continued willful non-compliance under the FCRA and FDCPA, and I will not hesitate to escalate this matter through regulatory and civil channels. 

You are hereby instructed to cease all collection and reporting activities on this account pending full validation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief