Consumer complaint received 2023-08-29
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To quickly Sum up : I had a Fraudulent Discover Account on my credit report, Account # XXXX, after proving fraud with the credit bureaus, all 3 bureaus deleted the fraud from my credit reports back in XXXX 2023. 

Recently Discover resubmitted/added the Exact Same Fraudulent Account with all the exact same Account Information however changed the Account # to a NEW ONE which ends in XXXX, however could be XXXX without even notifying the victim ( myself ), this is 100 % illegal to open a new Credit Card account and adding old information which isn't even mine to begin with, a Complete Violation. Discover is doing the Fraud now. 

Detailed Explanation : Back in XXXX of 2023 I Had XXXX Fraudulent Accounts reporting on my Credit Report. One Was XXXX XXXXXXXX, Another XXXX, and Finally Discover. I reported these to the FTC, made an Identity Theft report and Got a Sheriffs Report regarding these Fraudulent accounts including more supporting documentation such as breach of bank accounts, emails, phone, including breaching my XXXX report. Shortly After all 3 Credit Bureaus Deleted the 3 Fraudulent accounts except XXXX at the time did not delete the XXXX XXXXXXXX Account. However recently I received a letter from them admitting that fraud did take place so after giving this info to XXXX im hoping they delete that account. I am writing today for justice on another issue regarding the DISCOVER account that was previously deleted on all 3 bureaus for Fraud. It seems after all these months ( since XXXX 2023 ) this account has recently been resubmitted to the bureaus however it gets worse. Once I noticed the Discover Account was back on my Credit Report with all 3 bureaus I immediately complained to all 3 bureaus saying that I was never notified about the resubmission of this account within 5 days or for that matter now 45 days. And besides that why would they resubmit a fraudulent account back on my credit report. This is where it gets interesting. I was on the phone with an XXXX XXXX XXXX and he said the account Discover with the account number XXXX XXXX XXXX XXXX which was the Disover account that was originally fraudulent was no longer reporting on my credit report. I said " yes it is, I see the discover account right in front on me ''. The Supervisor informed me after investigating that... Discover created a NEW ACCOUNT, its New Account # ends in XXXX however may be this entire account # XXXX XXXX XXXX XXXX, However even though Discover created a NEW ACCOUNT or NEW CREDIT CARD ACCOUNT without my permission of course they added all the Account information from the old account ending in XXXX which was the original Fraudulent Discover account. So to make it simple the Fraudulent Account that was Deleted from all 3 bureaus was Discover ending in XXXX account number, So Disover Made a New Account number under the same old account and all its information such as opening date, credit amount, etc and simply changed the account number so they could resubmit it to my credit report, since im sure the old account was blocked for being fraudulent. Discover just committed fraud, and it a Huge Violation with the FCRA including US Code. Not only that, they resubmitted an account using a FAKE new Account Number without letting the Victim know ( myself ) nor telling me they are resubmitting the account to my report as per the FCRA states they have to by law. I have been contacting the credit bureaus and this account comes back validated of course even though its fraud. I originally sent letters to Discover informing them of the fraud, they wouldn't believe me, I sent them numerous Validation Requests and no replies besides upcoming bills that were not in my name but to my address. I sent them and the bureaus copies of the Police Report, FTC report, and ITR back then and it was deleted eventually. Now after all that Discover just resubmits the old account under a new Account Number and destroys my credit, it dropped over XXXX points over night. I need the Federal Trade Commission to step in and help a fellow soul reclaim his rights. thank you PS I would be more than happy to share ALL my mailings to Discover requesting Debt Validation when they ignored my fraud claim with proof of delivery of all mailings back in the beginning of the year.

Company response to consumer: Closed with explanation