Consumer complaint received 2019-03-29
Company: DISCOVER BANK
State: TX
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 Bank has allowed an application to be submitted " Online '' in my name and then proceeded to open an account on Opened XX/XX/XXXX. This was after my wallet was stolen in XX/XX/XXXX. Following, I saw this on my credit report in XX/XX/XXXX. I notified Discover at that time, as well as notified the FTC that this account is appearing on my credit report ( s ) and that this is identity theft, whomever stole my identity ( Drivers license, social security card, email addresses, and also forwarded my XXXX mail ). After I found out I started correcting this issue which has been ongoing identity theft. I started by having the Inquiry blocked and notified the company this whole account was fraudulent. The company ( Discover Bank ) Advised me that the account would be closed to Identity theft, and that they would investigate this and send me an affidavit to fill out. Instead of disputing the account as identity theft and properly correcting the fraud that the crook opened. Discover decided that it was appropriate to harass me and my family. They called my father, Told me they called my mother, called my brother and my aunt. Me and My aunt already are victims of Identity theft. To call and harass us when clearly the account was fraud is redicules especially since discover isn't correcting the issue. Instead Discover decided it was appropriate to report to XXXX this fraudulent account was " Closed on XX/XX/XXXX. '' ) Again not what the CS Rep said and therefore reporting inaccurate fraudulent information at that. This account application was submitted online fraudulently without my knowledge, I did not sign any paper applications. Not only was this account opened there were several other accounts opened. My email addresses were hacked, and my mail was forwarded by the XXXX XXXX XXXX. I have since gotten these issues corrected but it has taken many years. Discover now told me that instead of reporting the account as Identity theft they are disputing the account as FRAUDULENT TRANSACTIONS. Let me specify that I did call in and report this to discover AS IDENTITY THEFT. I never received any cards from them and never used the cards, yet instead of correcting the ID theft. They decide to dispute the transactions as fraud. They are not following proper procedures and do not care to investigate the Identity Theft. I want all communication and harassment being placed to my employer, my father, me and my mom and my family All to stop immediately. Additionally, I sent the police report I am attaching below. I am a victim of Identity Theft. The Application for the original account that you closed now 4 Times according to your analyst was fraudulent. I never once received any card, did not use the card, and did not authorize the application which was fraudulent all the way around. I want this corrected immediately and this to be removed from my XXXX  report as you are causing me monetary loss and losing thousands of dollars, also causing me damages because you keep reporting false information to the XXXX, XXXX  and XXXX Credit Bureaus. This needs to be corrected, I do not find Identity Theft to be a joke. I am a victim of fraud and the crook is not in my family, Someone must be targeting my family I am not sure.

Company response to consumer: Closed with explanation