Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
I believe I am a victim of fraud perpetrated by Discover Student Loans ( dba XXXX XXXX XXXX XXXX and XXXX XXXX ) and supported by XXXX Credit reporting. 

Specifically, I am being held accountable for an account that is not mine, and they have refused to provide me with any substantive information on such as a promissory note. I have never had a student loan account with this company, yet they are reporting me to the credit bureaus since XX/XX/XXXX and have harassed me for six years. 

For six years, they have called, sent letters, etc., but have failed to take any legal action or provide me with any official account paperwork. I have requested over this six year period that they leave me alone, but they have ignored me. To this end, for six years I have requested official signed verification from them, and they have ignored me. Moreover, each time I have called XXXX, they require that I provide my SSN and DOB before they even assist me. There is an account number listed on the correspondence they have sent me, but they claim that their own account number is invalid. For years I refused to give them any information, but on XX/XX/XXXX, after I learned they were reporting me to at least one of the credit bureaus, I gave them my SSN and DOB because I wanted assistance. They in turn used this information that I gave them to report the account to XXXX! Even after I gave them my SSN and DOB, they still would not give the promissory note, but demanded that I dispute the account on their website. 

When I learned they were reporting to the credit bureaus, I disputed the account. XXXX claimed the account was verified on XX/XX/XXXX with only a SSN and DOBthe very information that I gave Discover when I called for assistance one week earlier! Upon speaking with the supervisor, XXXX, on XX/XX/XXXX, she confirmed that they only verify with a SSN and DOB and do not require a promissory note or a signed contract. She refused to assist me further and stated that I should call Discover for further verification such a promissory note! 

I do not know where to go next. Discover will not give me any official documentation on this account and XXXX is upholding their practices. Both companies have shifted the burden to me to prove that this account is not mine and I have nothing to show because I have never contracted with them. On the other hand, I believe that Discover has a responsibility to provide me with documentation showing that I am responsible. Moreover, XXXX has a duty to report accurate information which they have also failed to do because they used only the information that I provided to Discover verify the account! 

Please investigate the practices of these companies. My credit is being damaged, and moreover, the companies are abusing their power to trick, harm, harass, and take advantage of consumers.

Company response to consumer: Closed with explanation