Consumer complaint received 2018-05-19
Company: DISCOVER BANK
State: VA
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:
XX/XX/XXXX I contacted Discover after getting a bill for {$3500.00} charged to a new account, Discover never contacted me about the disputed charge that is UNAUTHORIZED.

A lawyer for Discover harassed me on the telephone, refused to identify their law firm as a collection representative violating my rights under FDCPA. Their lawsuit was withdrawn due to rules of evidence and a right to litigate the account. ( I was told in writing that a summons could not be served, another lie ). 

XX/XX/XXXX, I was denied credit because this Discover account and one other credit card was maxed out and charged off and reporting on my credit file as derogatory. None of these charges were from the use of the account and it  puzzles me how the high balance is reported as exceeding eight thousand dollars and I never used this account to purchase any goods or services. 

XX/XX/XXXX, I sent Discover a settlement offer delivered by XXXX  and it was never answered. A second offer was mailed on XX/XX/XXXX XXXX, both settlement offers include a proposed offer to pay the account in full upon assurance from Discover to send me the Instrument of Indebtness in immediate exchange for payment. Discover never responded to my offer and refused my payment of this account forever. I do not admit this is my debt but made a good faith offer to remove this from my credit report as delinquent. 

XX/XX/XXXX, I wrote XXXX XXXX, vice president of customer service with a letter to investigate this account under the provisions of FACTA because the credit bureaus report this account is verified as accurate and refuse to produce any documents that indicate this is my account and the charges were ever authorized. Discover has never sent me any document bearing my signature or any other paper as proof of verification as indicated by XXXX XXXX  XXXX ( a sworn statement, deposition, a contract, charge slips ). 

XX/XX/XXXX, I mailed a letter of Identity Theft to the Discover Fraud department located in Utah. The envelope was never returned to me and I am unaware of any communication by Discover to notify the credit bureaus the account is disputed as Identity Theft and subject to an extended fraud alert. 

XX/XX/XXXX, I wrote Discover a second Validation letter, mailed to XXXX Delaware asking for full accounting, all instruments, payments, charges made, copies of charge slips, and all documents that can prove indebtness. Discover responded that this investigation has already been conducted and refused to provide any additional information per my written request. 

XX/XX/XXXX, I sent Discover a second notice of Identity Theft via Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) and once again, Discover has not sent me any mail as acknowledgement and to my knowledge has not contacted the credit reporting agencies to give notice of the fraud reported by a consumer. 

XX/XX/XXXX, I mailed a copy of the Identity Theft letter dated XX/XX/XXXX to XXXX and their dispute results indicate the Discover account # XXXX is verified as accurate and some other updated information ( very unclear of what is updated ). There is also a note that says DISCOVER DOES NOT KNOW HOW TO CONTACT ME TO DISCUSS THIS MATTER DIRECTLY. This is just an excuse because I have written Discover, called them on the telephone and asked Discover to send me proper documents that can verify any obligation to pay the alleged debt reported as accurate. Discover refuses to produce any document and " Silence is Acquiescence '' appears to be their answer to the alleged proof of debt. 

A Federal Trade Commission affidavit was mailed to XXXX, XXXX and XXXX credit Reporting Agencies indicating This account with Discover is the result of someone misusing credit card accounts in my name and instructed to block credit reporting under FCRA section 605B.

I have learned from Discover that factual documents do not exist and a powerful financial entity can argue any consumer is responsible for their own financial gain. CRA 's pass on the same information and place the burden of proof on a consumer due to politicking and it's just unfair for a consumer to endure such bad faith operations by a financial giant.

Company response to consumer: Closed with explanation