Consumer complaint received 2018-04-04
Company: DISCOVER BANK
State: MI
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:
In XX/XX/XXXX, I checked my credit reports with the three major CRAs and noticed several accounts that I did not open. I immediately put a fraud alert on my reports, filed a police report, and filed a Federal Trade Commission Identity Theft Report. I sent this, along with all other required documentation to the CRAs and the fraudulent accounts were deleted under FCRA Section 605b. Additionally, the FCRA Notice to Furnishers of Information was sent to all affected creditors. 

Then, two months later I notice that Discover Financial Services   account # XXXX was re-inserted back into my credit report in violation of FCRA section 605b and section 623 ( a ) ( 6 ).  Additionally, Discover Financial Services is continuing to attempt to collect this debt, which in no way belongs to me, in bad faith. 

I have absolutely no contractual ( or other ) relationship with Discover Financial Services, and until I first learned of this account in XX/XX/XXXX, have had absolutely no contact with Discover Financial Services. Contact after XX/XX/XXXX has strictly been in regards to becoming absolved of this fraudulent debt, which I have no obligation to whatsoever, and getting the fraudulent account closed and removed. 

I have contacted Discover Financial Services several times, including CEO XXXX XXXX, and the executive office. Each time, I have either been totally ignored in this matter, or have been told the debt has been verified in a standard 30-day dispute ( despite the 605b, 623 ( a ) ( 6 ) and all supporting documentation ), without them providing any signatures, or proof whatsoever. 

I did receive one email from XXXX XXXX, Associate, Executive Office of Customer Advocacy, stating that : According to our records, an account was opened as an individual account on XX/XX/XXXX through an application submitted on XX/XX/XXXX. You provided your name, address, social security number, date of birth, and mothers maiden name and we verified the information based on the request to open the account. A credit card was issued on XX/XX/XXXX and sent to you at XXXX XXXX XXXX # XXXX XXXX XXXX, MI XXXX. The credit card was used as shown by charges on statements that we have sent to you separately. On XX/XX/XXXX, your account charged off due to non-payment, with a balance of {$1500.00}. Please contact XXXX XXXX, Legal Compliance Manager at ( XXXX ) XXXX to discuss repayment options. 

XXXX XXXX could not, or was unwilling to, provide any additional info, including a copy of any signatures used to open the fraudulent account. Furthermore, I did not even live at the address he stated the account was opened from, and card mailed to, at the time. I had moved out of that address on Saturday, XX/XX/XXXX as my lease expired on XX/XX/XXXX. On XX/XX/XXXX I moved across state to take care of my grandfather who was diagnosed with late stage XXXX XXXX. I would not end up moving back to XXXX Michigan until late XX/XX/XXXX. 

I replied to XXXX XXXX on XX/XX/XXXX stating that I was not a resident or had any affiliation with that address during the time period he stated, and was ignored. 

I am now filing this complaint because Discover Financial Services   refuses to make me whole in this matter, and is willingly acting in bad faith, despite receiving all documentation required under the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act, including an FTC Identity Theft Affidavit, police report, identification, my personal statement along with copies of my credit report, and copies of FCRA section 605b and the FCRA Notice to Furnishers of Information.

Company response to consumer: Closed with explanation