Consumer complaint received 2022-12-01
Company: DISCOVER BANK
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX, I sent a certified letter to Discover Bank requesting validation of the account they alleged I owe on, in the form of competent evidence, bearing my signature, showing I have a contractual agreement. XXXX at XXXX certified mail was signed for. XXXX Discover responded in writing they have investigated and findings to be accurate. They did not provide the contractual agreement bearing my signature as requested. XXXX Discover sent another letter providing me statement reprints from XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. No validation provided that I requested. XXXX I sent another letter asking again for verification of a contractual agreement bearing my signature, stating printouts of a bill or itemized document do not constitute verification. XXXX at XXXX, Discover signed for certified mail. XXXX Discover responded they already provided me with their documentation ( which did not include what I asked for ). XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX law about my request for verification of debt. Again, only receiving statements from XX/XX/XXXX, XX/XX/XXXX, and all of XXXX along with a card member agreement ( that can be pulled offline ) and did not bear my signature. I then proceeded to contact the credit bureaus ( XXXX, XXXX, and XXXX ) on XXXX by certified mail challenging the accuracy, compliance, and reportability of this listing and stating I do not consent to XXXX or any means of automated verification. I requested copies of documentation bearing my signature to confirm this is my debt under my social security number. XXXX XXXX responded that the information was verified by creditor. XXXX I attempted a phone call and could not get past automated system. XXXX I called XXXX and spoke with " XXXX '' who stated Discover Bank verified account, but stated I was not entitled to the information used to do that and that I would need to contact Discover. I explained I had, and they have not provided the information I requested. XXXX also stated dispute was resolved by Discover, but no information as to how that has come about has been provided by any of the entities. On XXXX Discover Bank filed a lawsuit against me. I responded to that lawsuit. Discover did not respond again, and the case was dismissed on XXXX. Through all this process I have learned that someone else was using my name and information based on addresses listed in California for me on my credit reports. I have also learned that my social security number has been disseminated by my local police department and that this could have been occurring over the duration of my XXXX ( plus ) career. My account number has not been listed on the credit bureaus to show that debt being asked for is mine and not some random person 's debt. I have stated I do not agree with the debt and have requested verification from Discover Bank and all three major credit bureaus without success. I have been tracking and documenting my efforts and have plenty to show for it. I want this resolved so that Discover will stop harassing me and stop sending creepy servers to my home that question my underage child without my consent.

Company response to consumer: Closed with explanation