Consumer complaint received 2021-10-19
Company: DISCOVER BANK
State: SC
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:
Consumer Financial Protection Bureau : I wish to dispute any and all association with Discover Card credit account tied to my credit score. At no time have I ever had an account with Discover Card, nor have I ever authorized anyone to open such an account. I humbly request that all references to this account, and the negative marks related to its delinquent status, be dissociated from any record of my credit history.

I began checking my credit regularly several years ago after the report of a substantial data breach within the South Carolina Revenue Service. Using the XXXX XXXX app I noticed an account with Discover Card was under my name. After beginning my investigation in earnest, my then wife and now ex-wife informed me she opened this unauthorized account. At no point did I ever receive a Discover  Card, a statement was never forwarded to me, nor did I ever make a single purchase using that account. 

I have contacted Discover Card dozens of times informing them that this account was created without my consent. Protests have been filed and appeals have been submitted. The only Discover Card associated with this account that I have ever seen is in the name of my ex-wife. I have never be in possession of a Discover Card with my name on it, nor have I ever made a single purchase of any kind with such a card. Furthermore, I have produced the divorce documents stating that my ex-wife, ( name redacted per your request ) takes full responsibility for addressing the balance of the Discover Card. This is account is NOT responsibility. 

I authorize your organization to do a full review of my credit history and consult with any and all of my other creditors. You will find no other late or delinquent accounts, nor any accounts that were ever late or delinquent. Actually, you will find that I have paid off every vehicle and or loan early. My mortgage has every so much as had a late payment of any kind. 

Please, I beg your agency to use a modicum of discernment regarding this circumstance. All logic points to the fact that this delinquent account is not mine. Discover is engaged in character assassination of the most odious kind. I have thousands of dollars of debt in my name, all being serviced and reduced in accordance with the original terms agreed to with my creditors at the time each account was established. 

A credit score is supposed to an attempt to accurately display a persons credit worthiness. Due to Discovers refusal to clear my name, even though they MUST know this is not my debt, it continues to negatively affect my good name. I ask that your agency correct this travesty by removing this erroneous information for the reporting of my credit history. 

I you will just give me the opportunity, I am will to speak to anyone, travel anywhere, supply documents, provide affidavits, etc. to clear my name and correct this injustice. 

Thank you for your consideration.

Company response to consumer: Closed with explanation