Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Discover XXXX : Urgent Demand for Removal of Fraudulent Account and Correction of Credit Reporting CFPB Case # XXXX Dear XXXX, I am writing to formally dispute and demand the immediate removal of the Discover card account ending in XXXX from my credit reports, as referenced in your letter dated XX/XX/year>. Your response fails to recognize the clear evidence that my personal information was used fraudulently to open and misuse this account. 

I categorically deny ever opening or authorizing the opening of this account, nor did I make any payments or engage in any of the activities detailed in your response. The assertion that I provided documentation for advanced account verification, made balance transfers, or conducted payment transactions is entirely inaccurate. These actions were performed by a third party who unlawfully accessed my personal informationmost likely as a result of identity theft. 

To clarify, at no point did I provide authorization, consent, or participate in any transaction related to this Discover account. Therefore, your attempt to hold me responsible for the balance and activities associated with this account is not only incorrect but also legally untenable. 

**Demand for Immediate Action** Given the gravity of the situation, I hereby demand that Discover immediately : 1. **Remove all references** to this fraudulent account from my credit reports, which have been adversely affected by this illegal activity. The continued reporting of this account as active or in any other form will not be tolerated.

2. **Provide a detailed written confirmation** that all fraudulent charges, activities, and references to the account have been removed from my credit file, and that my credit report has been fully corrected to reflect the reality of this identity theft.

3. **Complete an internal investigation** into how my personal data was compromised, including taking all necessary steps to identify and rectify this breach. I request that Discover provide me with the results of this investigation, including the steps taken to prevent future instances of fraud.

4. **Confirm in writing** that Discover will no longer report the account to any credit bureau and that it will notify all relevant credit reporting agencies to ensure this account is marked as fraudulent or disputed as appropriate.

Failure to take immediate corrective action will result in further escalation of this matter. I will not hesitate to take legal action, including but not limited to filing lawsuits for defamation of character, violation of the Fair Credit Reporting Act ( FCRA ), and other applicable fraud-related claims. If necessary, I will seek additional remedies for the harm caused to my financial standing, reputation, and peace of mind.

Please note that this matter is of utmost urgency. I expect a response within 10 business days confirming that this account has been removed and that my credit history has been fully corrected. 

If you have any questions or require further documentation, please contact me directly. I expect this matter to be handled with the seriousness and urgency it warrants. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation