Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Discover Card Attn : Compliance and Legal Department XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : FINAL LEGAL DEMAND IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT NOTICE OF VIOLATIONS UNDER FCRA 605B & 1681s-2 To Discover Card Compliance Counsel, This letter serves as a final legal demand regarding the fraudulent Discover Card account listed below, which was opened without my knowledge or authorization and is the direct result of identity theft.

I have previously notified you of this identity theft and provided a valid identity theft report pursuant to 15 U.S.C. 1681c-2 ( FCRA Section 605B ), which requires you to block and permanently cease furnishing this information to any consumer reporting agency within four ( 4 ) business days of receipt.

Despite your statutory obligations, you have recklessly continued to furnish this account, causing it to appear on my credit reports multiple times, including after prior removal. This conduct constitutes a knowing and willful violation of FCRA 605B and 1681s-2, for which you are civilly liable for actual damages, statutory damages, punitive damages, and attorney fees. 
Fraudulent Account Information Creditor : Discover Card Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Balance : {$140.00} Status : Collection / Charge-Off Remarks : Charged off as bad debt | Dispute resolved; reported by grantor Violations and Liability 1 Violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block the reporting of an identity theft account despite proper identity theft documentation.

2 Violation of FCRA 1681s-2 ( a ) Failure to ensure accurate reporting and prevent furnishing false and disputed information.

3 Violation of FCRA 1681s-2 ( b ) Failure to conduct a reasonable investigation and failure to promptly notify consumer reporting agencies to delete unverifiable and fraudulent data.

4 Violation of Metro 2 Data Furnishing Guidelines Reporting conflicting status remarks, inaccurate balances, and inconsistent payment histories.

Legal Demand for Immediate Compliance Accordingly, you are hereby given FIFTEEN ( 15 ) CALENDAR DAYS from receipt of this notice to take the following actions : PERMANENTLY DELETE this fraudulent account from all of Discover Cards internal systems and customer records. 
CEASE AND DESIST from furnishing or reinserting any information related to this account to Equifax, Experian, TransUnion, or any other consumer reporting agency, under any circumstance. 
ISSUE WRITTEN CONFIRMATION to me, on company letterhead, stating that this account has been fully deleted and will never be reported again. 
INSTRUCT ALL CREDIT REPORTING AGENCIES to immediately remove this tradeline from my credit file and provide confirmation that the removal has been processed. 
Notice of Further Action If you fail to fully comply with this demand within the specified time frame, I will take the following actions without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, detailing Discover Cards repeated and willful violations of the Fair Credit Reporting Act. 
Retain legal counsel to initiate a civil lawsuit against Discover Financial Services seeking actual damages, statutory damages of up to {$1000.00} per violation, punitive damages for willful noncompliance, costs, and attorney fees, pursuant to 15 U.S.C. 1681n and 1681o.

Seek court-ordered injunctive relief to prohibit any further illegal reporting and hold Discover Card fully accountable for all related harm to my credit and financial standing.

Enclosures Copy of my government-issued photo ID Proof of my current address Copy of my prior identity theft report/affidavit previously submitted This is a final demand. Failure to comply will confirm your willful disregard for federal law and consumer protections, which I will pursue to the fullest extent allowed by law. 
GOVERN YOURSELVES ACCORDINGLY. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation