Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX  TO DISCOVER RESPONSE CASE XXXX XXXXXXXX TO : Consumer Financial Protection Bureau & Discover Bank XXXX XXXX XXXX and Formal Demand Identity Theft, FCRA Violations, and Permanent Deletion of Fraudulent Account Ending in XXXX I am writing to formally reiterate that I am the victim of identity theft, and to demand that Discover permanently delete the account ending in XXXX from my credit report. 

This account was fraudulently opened using my stolen personal information. I did not open, authorize, use, or benefit from this account in any way. My identity was stolen in XX/XX/XXXX, when my birth certificate was taken during a XXXX XXXX cruise. I did not become aware of the Discover account until XX/XX/XXXX, when I checked my credit while preparing to purchase a vehicle. 

I immediately took all proper steps under the Fair Credit Reporting Act ( FCRA ) and submitted : A valid FTC Identity Theft Report A police report filed in XXXX XXXXXXXX XXXX XXXX written dispute letter and documentation sent to Discover on XX/XX/XXXX At the time the account was opened ( XX/XX/XXXX ), I was a XXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Tennessee. I was playing XXXX XXXX college football and living in Tennessee, with no connection to the XXXX Florida area where the account activity occurred. 

Additionally, the account was registered to an email address I do not own or recognize : XXXX. I have never attended or been associated with XXXX XXXX, which that email clearly refers to. 

Discover initially removed the fraudulent account on XX/XX/XXXX, only to re-report it on XX/XX/XXXX, with no new evidence or legal justification. This is a clear violation of : FCRA 605B, which requires furnishers to block fraudulent accounts within 4 business days of receiving proper documentation FCRA 1681i, which requires a reasonable reinvestigation of any disputed information FCRA 623, which prohibits knowingly reporting inaccurate or fraudulent information Discovers justification for continuing to report this account is based solely on the fact that my stolen identity was used to open the account onlinenot because they have any valid proof that I personally applied for or used the account.

I am asking the CFPB to : Ensure Discover immediately and permanently deletes the account ending in 5911 Ensure no further negative reporting or collections are made against me Confirm in writing that this account will be removed from all credit reporting agencies If Discover refuses to comply, I am prepared to escalate this matter to the Office of the Comptroller of the Currency ( OCC ), file complaints with the Attorney General offices in both Tennessee and Florida, and pursue legal action under the FCRA for statutory damages and legal costs.

I have made every good-faith effort to resolve this. I am requesting that the CFPB step in and ensure that Discover meets its legal obligations.

Thank you for your time and support.

I am writing in response to Discovers reply regarding the fraudulent account ending in 5911, which remains on my credit report despite multiple disputes, legal documentation, and clear evidence that I am a victim of identity theft. 

I did not open or authorize this account. My identity was stolen after my birth certificate was taken during a XXXX XXXX cruise in XX/XX/XXXX. I did not discover the fraud until XX/XX/XXXX, when I checked my credit while preparing to purchase a vehicle. 

As required under FCRA Section 605B, I submitted : A formal FTC Identity Theft Report A police report filed in XXXX XXXX, FL A cover letter and documentation sent to Discover in XX/XX/XXXX Despite this, Discover claims the account is valid based on : XXXX. The use of my name, SSN, and DOB XXXX. Online application activity with no signed documentation XXXX. XXXX using the email address : XXXX XXXX. Transaction and communication history they attribute to me This is false and highly misleading. At the time this account was opened ( XX/XX/XXXX ), I was a full-time college football player at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  and I currently attend the XXXX XXXX XXXX at XXXX XXXX and XXXX college football as well. I have never had any association with bc.edu ( which is XXXX XXXX ), and that email is clearly fraudulent. Additionally, the charges made on the account occurred in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, etc. ), while I was living and attending school in Tennessee, focusing on my athletic and academic commitments. 

I do not reside in XXXX XXXX, I did not make or authorize any purchases on the account, and I did not request any credit limit increases. Discover has no signed agreement, only data entered into a websitelikely by the identity thief using my stolen information.

According to FCRA 1681i ( a ) ( 5 ), if disputed information is found to be inaccurate or can not be verified, it must be promptly deleted. Discover is in violation of this federal requirement. They are continuing to report fraudulent data despite the documentation I provided, and they even temporarily removed the account on XX/XX/XXXX, before re-reporting it on XX/XX/XXXX. This inconsistency proves their process is flawed. 

I respectfully request the CFPB escalate this matter and require Discover to : Permanently delete the Discover Card ending in 5911 from all credit reports Cease collections and negative credit reporting Confirm the deletion in writing under FCRA Section 605B If Discover continues to report this account and ignore my legal rights, I am prepared to escalate to the Office of the Comptroller of the Currency ( OCC ) and seek legal counsel for damages under the FCRA. 

Thank you for your time and assistance in this matter. 





I am writing to follow up on my original complaint and submit a formal rebuttal to Discover Banks claim that the account ending in XXXX is valid. I am the victim of identity theft, and this account was fraudulently opened using stolen personal information. I am now demanding its immediate and permanent deletion under several sections of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 


In XX/XX/XXXX, my birth certificate was stolen while I was on a XXXX XXXX cruise. I did not discover the fraud until XX/XX/XXXX, when I reviewed my credit report and found a Discover credit card had been opened without my knowledge. 

At the time this account was opened ( XX/XX/XXXX ), I was a full-time college football player at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Tennessee. The fraudulent account is tied to an email I have never used ( XXXX ) and shows transactions in XXXX XXXX, a region I had no connection to. I did not open, authorize, use, or benefit from this account in any way. 

I submitted : An official FTC Identity Theft Report A police report filed in XXXX XXXX, FL A written dispute and supporting documentation to Discover on XX/XX/XXXX Despite this, Discover removed the account on XX/XX/XXXX, then re-reported it just 3 days later, on XX/XX/XXXX, with no new evidence or justification. 

Applicable Laws and How Discover Is Violating Them : XXXX. FCRA 605B Blocking of Information Resulting from Identity Theft This law requires a credit furnisher to block fraudulent information within 4 business days after receiving a police report and FTC Identity Theft Report. 
Discover failed to permanently block the fraudulent accounteven after initially removing it. 
Violation : Re-reporting the account after receiving legally sufficient identity theft documentation. 

XXXX. FCRA 1681i Failure to Conduct a Reasonable Reinvestigation This section requires furnishers to conduct a reasonable and timely reinvestigation of disputed information. 
Discover relied on minimal internal data, ignored conflicting details ( email, location, enrollment in school ), and failed to consider the documentation I provided. 
Violation : Continuing to report the account without verifying its accuracy. 

XXXX. FCRA 1681s-2 ( b ) Duty to Investigate After Notice from a Credit Bureau After a dispute is filed with a credit bureau ( like XXXX ), the creditor must : Investigate Correct or delete inaccurate data Discover did not delete the account after notice was given, despite having no signed application or proof of my authorization. 
Violation : Failing to fix or remove unverifiable information. 

XXXX. FCRA 1681c ( a ) ( 6 ) Reporting of Inaccurate Addresses Credit reports must not contain an address not linked to the consumer. 
The address associated with this account was in XXXX XXXX, where Ive never lived. 
Violation : Reporting a fraudulent account tied to an address not connected to me. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) If the Account Was Sent to Collections If Discover ( or a third party ) attempted to collect on this fraudulent account, they may be in violation of the FDCPA for : Attempting to collect a debt not owed Ignoring written disputes with proof of identity theft Violation : Continuing collection activity after receiving identity theft documentation. 

XXXX. UDAAP Unfair, Deceptive, or Abusive Acts or Practices Under CFPB regulations, companies may not engage in practices that : Mislead or harm consumers Delay rightful resolution of legitimate disputes Discovers conflicting statements, refusal to accept identity theft proof, and inconsistent actions ( removing, then re-reporting the account ) may qualify as a UDAAP violation.

Violation : Mishandling a clear case of identity theft and harming a consumer without justification. 

What I Am Requesting I respectfully ask that the CFPB require Discover to : XXXX. Permanently delete the account ending in XXXX from all credit reporting agencies XXXX. Stop all collections and negative reporting related to this account XXXX. Provide written confirmation that the account has been closed and removed as a result of identity theft If this is not resolved, I will escalate to : The Office of the Comptroller of the Currency ( OCC ) The Attorney General offices of Florida and Tennessee A federal consumer protection attorney to pursue litigation under the FCRA Impact This account has caused major damage to my credit score, denied me access to fair financial opportunities, and created months of unnecessary stress. I am simply asking for what I am entitled to under federal law : to not be held responsible for a crime committed against me. 

Thank you for your attention to this matter, and for standing up for consumers like me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation