Consumer complaint received 2025-05-05 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: MO

Complaint narrative:
Discover Financial Services Attn : Fraud Department / Identity Theft Department Subject : Notice of Identity Theft and Request for Blocking of Fraudulent Account Dear Sir or Madam, I am writing to formally notify Discover Financial Services that I am a victim of identity theft, stemming from the widely reported XXXX data breach. As a result of this breach, numerous fraudulent accounts including bank accounts, credit cards, and loans have been opened in my name without my authorization. My mail was also unlawfully forwarded from my residence to another address. I am currently working to restore my credit and correct the significant damage caused by this identity theft. 

Upon reviewing my credit report, I noticed an account under the name Discover being reported. I want to make it explicitly clear that this account does not belong to me and was fraudulently opened. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, any consumer reporting agency must block the reporting of information resulting from identity theft no later than four ( 4 ) business days after receiving : Appropriate proof of the consumers identity A copy of the identity theft report Identification of the disputed information by the consumer A statement from the consumer that the information is the result of identity theft and does not relate to any transaction they made Although this section applies directly to credit reporting agencies, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( such as Discover ) are prohibited from reporting information they know or have reason to believe is inaccurate. Further, under 15 U.S.C. 1681s-2 ( b ), once notified of a dispute from a credit reporting agency, furnishers are required to investigate, correct, and update any inaccurate or fraudulent information. 

To support my request, I am enclosing the following documentation : A copy of my Identity Theft Report A utility bill showing my correct and current address A copy of my passport for identity verification Please be advised that failure to comply with the FCRA may expose Discover to civil liability under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which include : Actual damages or statutory damages between {$100.00} and {$1000.00} Punitive damages Attorneys fees and court costs If Discover fails to block and remove this fraudulent account from my credit report within the required four ( 4 ) business days, I will consider pursuing all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators, as well as pursuing civil litigation. 

I trust that Discover will act promptly and in accordance with the law to resolve this matter. Please confirm in writing within the next four ( 4 ) business days that the account has been blocked and removed from my credit report. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation