Consumer complaint received 2023-12-18
Company: DISCOVER BANK
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Re : I Dont Own this account, I am a Victim of Fraud/Identity theft Re : Disputing errors on credit report Re : Disputing the reported accounts listed to the debt collector Re : XXXX, XXXX, XXXX Has opened my account to debt collectors and given access after fraud alert, lock and freeze was placed on my account with out my authorization and neither notification and certified letters sent to bureaus which was ignored and not resolved after statement filed for investigation Re : Debt Collectors has ignored my notification Re : Identity Theft Affidavit Sent via Certified Letter XX/XX/XXXX 3 credit bureaus and debt collectors. 
Re : Police Report Filed Re : XXXX Filed and entered Re : Social Security Administrations Notified CC : Attorney XXXX XXXX XXXX XXXX I, XXXX XXXX never ever made any payment to this account by any form or means the credit bureau and debt collector states pays as agreed on credit report. I never made any payment to this account. I dont own this account this is fraudulent taken out in my name. 
I have made several requests to the debt collector, requested a copy of account information that paid any installment from any debit card, checks or online form of payment information, never received requested information of what I asked. 

I, XXXX XXXX, have also requested a copy of the initial actual application with a written signature and other pertinent information from the account, to resolve this account that is fraud taken out in my name. I have been denied this right several times by the debt collectors, XXXX, XXXX, and XXXX reporting agencies. All requests have been denied with no proof. I have requested 5 times from the debt collector and all 3 credit bureaus. I have sent certified letters, notifications and disputes all stated verified through. 

XXXX, which I stated I opted out of XXXX the credit bureaus ignored the request. 
I, XXXX XXXX opted out of XXXX  via written certified letters request with XXXX, XXXX, and XXXX. All XXXX  credit bureaus continued to utilize XXXX for verification of the accounts. I have requested the actual application and secondary information, I request a copy of any payment information made toward the accounts using a debit card payment, check account information or online payment information everything has been denied with the request I made, only irrelevant information sent instead only to find that debt information in my name was sent from the credit bureaus that is inaccurate. 
Dept of Ed/XXXX has numerous accounts in my name I dont own with same opened dates. I never ever received a letter of this account nor notification. 

I have placed a request with XXXX, XXXX, XXXX to freeze and lock my credit all credit bureaus, and thy have continue to give creditor access to my account to place this fraudulent account to my credit report that is not mine, even after the freeze and lock. 
Accounts is in violation of my rights. I am a victim of fraud and identity theft. 

Dispute:1. 
( Account # XXXX ) Creditor : Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Amount : {$3200.00} ( charge off ) Date Opened : XXXX XXXX Contact : XXXX Dispute : XXXX ( Account # XXXX ) Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX Amount : {$3100.00} Date Opened : XX/XX/XXXX Contact # ( XXXX ) XXXX Dispute : XXXX ( Account # XXXX ) Creditor : Discover Personal Loan XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX Contact # XXXX Dispute # XXXX ( Account # XXXX ) Creditor : XXXX XXXX XXXX ( Care of XXXX XXXX XXXX ) XXXX XXXX  Amount : {$7700.00} Date Opened : XX/XX/XXXX Contact # XXXX Dispute # XXXX ( Account # XXXX ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Amount : {$670.00} Date Opened : XX/XX/XXXX Contact # XXXX

Company response to consumer: Closed with explanation