Consumer complaint received 2021-07-27
Company: DISCOVER BANK
State: CA
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:
I was in an XXXX  relationship and had my life threatened and that of my mother if I reported his financial abuse ( amongst other things ) of my accounts. Once I was able to break free of the individual, whom has countless public domestic XXXX arrest records with me, I filed a police report and contacted all of the organizations that he stole credit cards to, and opened accounts in my name without my authorization and/or knowledge. I would randomly get pieces of mail prior to his ability to pick them out before me about accounts or credit lines I " applied '' for. Discover Financial Services being the only one left that refuses to stop reporting to XXXX I have disputed with the credit bureaus and XXXX keeps deleting and replacing. Account status Charge off {$5300.00} written off. {$5300.00} Past Due. XX/XX/XXXX : Deleted. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all state " This item was removed from your credit report '' XX/XX/XXXX " updated '' in other words put back, again. XX/XX/XXXX " unavailable online '' Date generated : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX " This item was removed from your credit report '' NO DATE " Remains '' XX/XX/XXXX " remains ''. XX/XX/XXXX " Remains. They have continuously removed and added this account to my file for years at this point. I have reported the account with the FTC, Given the thief 's information, filed police report, and disputed with Discover and the credit bureaus, I have hired credit repair companies to dispute on my behalf. They refuse to remove this account which was obtained under the theft of my identity. At least they refuse to remove without putting it back two weeks later. 


The department of education had me rehabilitate my loans under the impression as long as I completed the rehabilitation process successfully ALL NEGATIVE REMARKS WOULD BE REMOVED. However, they simply paid off the original servicer in this case " XXXX '' and opened with a new servicer in my case " XXXX XXXX '' and made a note on my XXXX that the loans had been transferred, but not to whom .... So they didn't even imply the new loans with XXXX was a transfer, and that those loans were deferred. The kept all the late payments of " 120 days past due or more '' on all 14 accounts which remain on my report even after PAYING ALL DEBT IN FULL. No, not the transfer, I paid all my student loans off with money inherited by the death of my mother. I completed the rehabilitation, even went a step further and paid them off, and still they report " 180 days past due '' reported : XX/XX/XXXX {$3000.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1700.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$3500.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1000.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$4300.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$5000.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1700.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$640.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$1800.00} " current payment status XXXX days late '' " Transferred '' XX/XX/XXXX {$4500.00} " current payment status XXXX days late '' " Transferred '' XXXX claims they have nothing to do with the Department of Education and the agreement made between us. Even thought on my credit report it literally reads " DEPT OF ED / XXXX. They claim they don't have to remove anything nor are they going to. I honestly wouldn't have rehabilitated, I would have left it alone. I was under the impression doing the right thing, got returned by getting the right thing done back. I was literally swindled into repayment under terms and agreements, I kept my end of the bargain, however the department of education did not keep theirs.

Company response to consumer: Closed with explanation