Consumer complaint received 2021-11-27
Company: DISCOVER BANK
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Discover Fin Svcs LLC had submitted to the major three national CRAs XXXX XXXX and XXXX and likely to others such as XXXX and XXXX and wish to discover to what exttent and have removed the information provided. The information provided originally was a hard inquiry that was on all 3 majors and an opened account that I did not open or have any access to nor any notice of from Discover prior to my own investigation on my credit reports. As reported on my experian credit report this moment, the hard inquiry is removed. It however has not removed the credit card account and information associated with it and lists its account status as closed versus the original Discover investigation that I contacted them about the moment I received a noification of a change to the report and ended up with a Manager after going through the explanation of not placing the order and there would not be a way to prove i did because it was not me. They were able to acknowledge the following : The supervisor for Discover who handles ID theft or it incorrect information in valid form confirmed they were able to without no doubt confirm and verify that it was not an account made with my authorization or by my person. They did not invoke a further investigation procedure that would have resulted in time limits and regulations to resolve incorrect reported negative and permanently damaged information to my creditors or those that have only lawful access to my credit. 

The inquiries were removed from all bureus that I can access however I can confirm at this hour and date I have pulled a report showing account on experian discover financial services revolving account XXXX with my credentials on my credit report. It shows opened XX/XX/2021 It shows it as acccount status closed. It somehow is further troubled to report incorrect infromation that says payment status paid satisfactorily when there was never any access to the account nor payment. It highlights that payment is made for XXXX year 2021. There is more problems to report such as the fact that this has not been removed. This was recorded by both parties and a call pull as well as the fact that a dispute iwth the CRAs resulted in what I believe is removal of all hard inquiries of this account. In addition, I can not confirm as I do not have the latest report, but I believe the card was removed from the other two CRAs other than XXXX. This however needs to be confirmed as further disputes to experian and discover were already done more than a few times and infromation has been confirmed for them to remove information but not the correct infromation which is everything that shouldnt be here mainly an account I never had. I had been promised by Discover on calls to the proper channels it would be resolved and I demand an instant removal of all related items to this above matter. My due dilligence has been more than required by any law and there is a legal right that this needs to be resolved and that I also have besides the criminal justice system to further escalate if a lawyer demands the amoujnt of money damages as there is a direct link to a significant impact to my report. In addition CRA hasn't followed the FCRA rules that grant me my rights in regards to the correct reporting and civil suits are not out of question is what my attourney for this matter representing from Legal services of New Jersey and believes without leaving the state the judge will justify an immeasurable suffering fine in addition to the wrongful reporting. In the end the result desired is removal of the account mentioned from all CRAs and not limited to the 3 major cras if used

Company response to consumer: Closed with explanation