Discover Credit Card Complaint

Discover Credit card department,

California

MY NAME IS - - AND I AM FILING MY SECOND COMPLAINT AGAINST DISCOVER CARD. AFTER NUMEROUS GOOD FAITH LETTERS AND FIRST COMPLAINT, I RECEIVED A FORMAL RESPONSE AND A PHONE CONVERSATION WITH - - IN THE CUSTOMER ADVOCACY DEPARTMENT. DISCOVER HAS FILED A LAWSUIT AGAINST ME THROUGH - LAW FIRM. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies AND FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. MY FIRST LETTER OF FORMAL DISPUTE WAS MAILED OUT -/-/2016 AND WAS FORMALLY DELIVERED THROUGH CERTIFIED MAIL -/-/2016. - - CLAIMED THE FIRST LETTER WAS RECEIVED -/-/2016 WHICH IS NOT CORRECT AND I HAVE PROOF. SECOND THE DISPUTE LANGUAGE WAS NOT ADDED TO MY CREDIT REPORT UNTIL AFTER I FILED MY COMPLAINT WITH CFPB. ACCORDING TO - -/-/2016 IS WHEN THE DISPUTE LANGUAGE WAS ADDED TO MY CREDIT REPORT AND ACCORDING TO - -/-/2016 IS WHEN DISCOVER REPORTED THEM OF A DISPUTE LANGUAGE ON MY CREDIT REPORT. LAW SAYS IT HAS TO BE 30 DAYS FROM THE TIME THE DISUTE LETTER WAS RECEIVED. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA.