Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to formally report numerous inaccuracies on my credit report that constitute a violation of the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Specifically, I believe there are multiple discrepancies that not only misrepresent my credit history but also violate 15 USC 1681a-i, as well as the regulations set forth by the Consumer Data Industry Association ( CDIA ). 

Despite my efforts to resolve these inaccuracies directly with the credit reporting agencies, my concerns have not been adequately addressed, and the erroneous information remains on my report. These inaccuracies are causing me significant distress and impacting my creditworthiness. 

I kindly request your assistance in investigating these matters and in taking the necessary steps to ensure the removal of the inaccurate items from my credit report immediately. 

I appreciate your attention to this urgent matter and look forward to your prompt response. 
I am writing to formally request validation of an alleged debt that your company claims I owe. I am aware that under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request the following information regarding this purported debt : 1. A complete validation of the debt, including the total amount owed, the name of the original creditor, and a detailed calculation of any alleged amounts.

2. A copy of the purchase agreement between and the original creditor that grants your company authority to collect on this debt.

Additionally, I would like to express my concerns regarding the reporting of this account as a charge-off on my consumer report and the assertion of late payments associated with it. The reported status is misleading as an account categorized as charged off should not reflect late payments. Your failure to provide the required disclosures under 12 CFR 1006.34 ( d ) further suggests non-compliance with the law as per 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which mandates accurate reporting to consumer agencies.

According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), any incomplete or inaccurate data provided to credit reporting agencies constitutes a violation of consumer rights. Your failure to validate this debt as requested compounds these violations.

In light of these points, please consider this a formal notice and demand for compliance with the legal requirements. I expect to receive all requested documentation by 10 days If you fail to provide the requested validation and documentation, I will be forced to assume that you do not possess the legal right to collect this alleged debt. Please note that my next correspondence may be a Letter of Intent to Sue ( XXXX ) due to your inability to meet my requests and comply with applicable laws. 

Should I need to escalate this matter further, I am prepared to pursue all available remedies which XXXX include legal action for any violations of consumer protection laws, seeking remedies as outlined in the FDCPA and Fair Credit Reporting Act ( FCRA ). 





DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX High Balance {$15000.00} {$15000.00} {$16000.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$16000.00} {$16000.00} {$16000.00} Closed Date -- -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account disputed Creditor Type Installment Loans Installment Loans All Banks Account Status Open Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber.

Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Account previously in dispute - now resolved by data furnisher Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length 60 Month ( XXXX ) 60 Month ( XXXX ) -- Past Due Amount {$14000.00} {$14000.00} {$14000.00} Account Type Unsecured loan Unsecured loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} {$0.00} DISCOVERBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX High Balance {$7800.00} {$0.00} {$7800.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$7800.00} {$7800.00} {$7800.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Bank Credit Cards Bank Credit Cards All Banks Account XXXXus Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Credit card Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$7800.00} {$7800.00} {$7800.00} Account XXXX Credit Card Credit Card Credit Card Payment Frequency Credit Limit {$6600.00} {$6600.00} {$0.00}

Company response to consumer: Closed with explanation