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Attempted to collect wrong amount. I am writing to formally dispute the inaccurate information being reported on my credit report for the Account ( XXXX ) .I have verified the balance on the account ( XXXX ) with DISCOVER BANK as Paid in full. Even received a verification which proved the balance on the account is paid in full. However, DISCOVER BANK continues to report a higher balance on the account indicating I still had a balance left to be paid. The inaccuracy violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which ensures that only accurate and complete information is reported. owed on an auto loan for a repossessed vehicle that was subsequently sold. This reporting is inaccurate and violates federal laws under the Fair Credit Reporting Act ( FCRA ).