Consumer complaint received 2025-01-12 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: VA

Complaint narrative:
ling of my alleged debt. This matter has escalated as Discover Bank has initiated court proceedings against me without providing adequate documentation or validation of the debt, as required by federal law. 

Specifically, I am requesting assistance with the following concerns : 1. Debt Validation : Discover Bank has not provided sufficient validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request for documentation proving that I am the legal party responsible for this debt and a binding contractual obligation exists, they have failed to provide any such evidence.

2. Discrepancies Across Credit Bureaus : The information Discover Bank is reporting about this account does not match across all three credit bureaus ( XXXX XXXX XXXX XXXX XXXX. This inconsistency raises concerns about the accuracy and validity of their reporting, as required under the Fair Credit Reporting Act ( FCRA ). 
3. Legal Action Without Validation : Discover Bank has initiated legal proceedings against me without complying with my request for proper debt validation. This has caused unnecessary stress and financial burden, and I believe it is a violation of my rights under both the FDCPA and FCRA.

4. Potential Reporting Violations : If Discover Bank has reported inaccurate or unverified information to the credit bureaus, this may constitute defamation and a violation of federal law. 

Given these issues, I respectfully request the CFPBs assistance in compelling Discover Bank to : Provide a full debt validation, including documentation of the original agreement, account history, and any evidence that I am legally obligated to pay this debt. 
Correct any inconsistencies across the credit bureaus to ensure compliance with the FCRA. 
Cease all collection and legal action until the debt has been properly validated. 

I have attached copies of my prior communication with Discover Bank, including my request for debt validation and any responses received. I kindly ask for your prompt attention to this matter to ensure my rights are ling of my alleged debt. This matter has escalated as Discover Bank has initiated court proceedings against me without providing adequate documentation or validation of the debt, as required by federal law. 

Specifically, I am requesting assistance with the following concerns : 1. Debt Validation : Discover Bank has not provided sufficient validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request for documentation proving that I am the legal party responsible for this debt and a binding contractual obligation exists, they have failed to provide any such evidence.

2. Discrepancies Across Credit Bureaus : The information Discover Bank is reporting about this account does not match across all three credit bureaus ( XXXX XXXX XXXX XXXX XXXX. This inconsistency raises concerns about the accuracy and validity of their reporting, as required under the Fair Credit Reporting Act ( FCRA ). 
3. Legal Action Without Validation : Discover Bank has initiated legal proceedings against me without complying with my request for proper debt validation. This has caused unnecessary stress and financial burden, and I believe it is a violation of my rights under both the FDCPA and FCRA.

4. Potential Reporting Violations : If Discover Bank has reported inaccurate or unverified information to the credit bureaus, this may constitute defamation and a violation of federal law. 

Given these issues, I respectfully request the CFPBs assistance in compelling Discover Bank to : Provide a full debt validation, including documentation of the original agreement, account history, and any evidence that I am legally obligated to pay this debt. 
Correct any inconsistencies across the credit bureaus to ensure compliance with the FCRA. 
Cease all collection and legal action until the debt has been properly validated. 

I kindly ask for your prompt attention to this matter to ensure my rights are protected and to prevent further harm.

Company response to consumer: Closed with explanation