Consumer complaint received 2024-11-26 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:
**Subject : Urgent Response Required Regarding CFPB Complaint # XXXX Dear Discover Card Executive Office, I am writing to formally respond to your letter dated XX/XX/year>, concerning my complaint filed with the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX Your response is inadequate and fails to address the serious violations of my rights as a consumer under multiple federal and state laws. I am compelled to reiterate my demands and emphasize the legal ramifications of your actions. 

# # # 1. **Demand for Validation of Debt** Under the Fair Debt Collection Practices Act ( FDCPA ), specifically **15 U.S.C. 1692g**, you are required to provide validation of the debt upon request. This includes : - The amount of the debt.

- The name of the creditor to whom the debt is owed. 
- A statement that if I dispute the debt within 30 days, you will provide verification of the debt. 

Your failure to provide this information constitutes a violation of my rights. I demand that you furnish the following documentation within 30 days : - A complete payment history of the account. 
- Any agreements or contracts that substantiate your claim to this debt. 
- a complete detail on how your company originated this credit card and where the money came from to originate it. You are required by law to explain this in detail or it will be used against you in court XXXX XXXX XXXX XXXX XXXXViolation of the Fair Credit Reporting Act ( FCRA ) ** Your continued reporting of this charged-off account without proper validation violates **15 U.S.C. 1681s-2**. The FCRA mandates that you must ensure the accuracy of the information you report to credit bureaus. I demand that you : - Cease reporting this account until proper validation is provided. 
- Immediately remove any negative reporting related to this account from my credit report if you can not validate the debt. 

XXXX XXXX XXXX XXXX. **Emotional Distress and Financial Damages** Your actions have caused me significant emotional distress and financial harm. Under **15 U.S.C. 1692k**, I am entitled to seek damages for violations of the FDCPA, including : - Emotional distress. 
- Financial losses incurred due to your collection practices. 

I expect a formal acknowledgment of these damages and a proposal for remediation. Failure to address this will compel me to seek legal counsel and pursue damages in court. 

XXXX XXXX XXXX XXXX  **Double Dipping and IRS Regulations** I would like to bring to your attention the potential violation of IRS regulations regarding double dipping. If you are pursuing collection on a charged-off debt while simultaneously claiming tax deductions for this loss, you XXXX be engaging in practices that violate IRS guidelines XXXX Specifically, **IRS Publication XXXX outlines that businesses can not deduct bad debts that are still being collected. I demand clarification on this matter and an explanation of how you are handling this account in compliance with IRS regulations. 

XXXX XXXX XXXX XXXX. **State Laws and Consumer Protection** In addition to federal laws, I invoke the following Texas XXXX XXXX that protect consumers : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Prohibits unfair or deceptive practices in consumer credit transactions. 
- XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : Requires debt XXXX to provide validation and prohibits harassment. 
- *XXXX XXXX XXXXXXXX and Remedies Code, XXXX  XXXX : Entitles consumers to damages for violations of consumer protection laws. 

Your failure to comply with these laws will result in further legal action. 

XXXX XXXX XXXX XXXX. **Legal Action Intent** Please be advised that I am prepared to pursue all available legal remedies, including but not limited to : - Filing a complaint with the CFPB and the Federal Trade Commission ( FTC ).

- Seeking damages in court for violations of the FDCPA and FCRA.

- Reporting your practices to state regulatory agencies. XXXX XXXX XXXX XXXXDemands** In light of the above violations and concerns, I demand the following actions be taken within 30 days : XXXX. Provide the requested validation of the debt, including all supporting documentation. 
XXXX. Acknowledge the emotional and financial damages I have suffered and propose a resolution. 
XXXX. Cease all collection activities and remove the charged-off account from my credit report until validation is provided. 
XXXX. Provide a detailed explanation of how you are complying with IRS regulations regarding this account. 

Failure to comply with these demands will leave me with no choice but to escalate this matter legally. I expect a written response addressing each of these points by [ insert date, 30 days from today ]. 

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with non-monetary relief