Consumer complaint received 2024-12-27 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:
I was told today XX/XX/XXXX that the account was supposed to be blocked from my credit report by XXXX representatives ( as of XX/XX/XXXX ) that I spoke with today XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX. However, it has not been blocked as the information has been reinserted again. 

They were in receipt of all documentation, including FTC report and police report, and the information was still reinserted onto my credit report. The account was not verified and updates, it was only updated as of XX/XX/XXXX. Similarly, XXXX reported that they were in receipt of a dispute and completed the investigation of the dispute at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( which never occurred on my volition ) that I asserted today, prior to my call at XXXXXXXX XXXX XXXX XXXXhis was done without my consent, I reasserted a dispute at XXXXXXXX XXXX XXXXXXXX via phone call which is the only way in which one can be initiated on the basis of fraud. Furthermore, the account was not verified as accurate, it was simply reinserted/updated, XXXX  has a duty under FCRA law to investigate this information and did not. They simply allowed the reinsertion of the information without verification because Discover continues to change the information associated with this fraudulent account for the sake of getting the information put on my credit report. THE ACCOUNT WAS REMOVED XX/XX/XXXX AND XX/XX/XXXX BECAUSE IT WAS DETERMINED TO BE FRAUDULENT AND SUBSEQUENTLY BLOCKED BUT IT WAS NOT TRULY BLOCKED AS IT WAS REINSERTED TODAY XX/XX/XXXX. I WILL BE PURSUING LEGAL COUNSEL FROM A CREDIT ATTORNEY TO GET THIS MATTER RESOLVED PROPERLY. 

I have provided all evidence to prevent the reinsertion of the account on my report. 

I was told today that a 4 business day block will be applied to the account. This information was blocked I was told by XXXX representatives as of XX/XX/XXXX that it was blocked. The information needs to be blocked again and I was told by another representative that processed this dispute. 

SIMILARLY, I REPORTED THIS FRAUDULENT ACCOUNT TO DISCOVER XX/XX/XXXX VIA PHONE CALL. I STATED THEY WERE TO PERFORM AN ACCOUNT DISPUTE AS THE ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND I WAS NOT AWARE OF WHO COULD HAVE OBTAINED INFORMATION AND HOW. BUT I WAS AWARE OF 2 OCCASIONS IN WHICH MY INFORMATION WAS EXPOSED IN A BREACH ONE WITH XXXX AND THE OTHER WAS WHILE I WAS A XXXX XXXX XXXX XXXXXXXX. I DID INFORM THEM THAT I DID NOT HAVE ACCESS TO MY CREDIT REPORT AND WHEN I GAINED ACCESS IT WAS SHOWING ON THERE. PRIOR TO LOSING ACCESS ( WHICH I LOST AROUND THE TIME THE ACCOUNT WAS OPENED ) THIS ACCOUNT WAS NOT REPORTING TO MY CREDIT REPORT. DISCOVER VIOLATED MY RIGHTS UNDER FCRA LAW AS I REQUESTED FOR A FRAUD INVESTIGATION INTO THE ACCOUNT BE PERFORMED WHICH REQUIRES FOR CLOSING OF THE ACCOUNT ONCE THE INVESTIGATION IS INITIATED. THIS WAS NOT DONE INSTEAD, DISCOVER RE-REPORTED THE INFORMATION WITH DIFFERENT ACCOUNT NUMBERS PREVENTING ME FROM ASKING THEM FOR FURTHER INVESTIGATION AS I COULD NOT IDENTIFY THE ACCOUNT BECAUSE IT WAS ASSIGNED A NEW BALANCE, ACCOUNT/CARD NUMBER AND WAS ASSIGNED TO MY MAIDEN NAME ( WHICH I HAVE NOT USED IN 5 YEARS AND IS NOT LEGAL NAME AND OTHER ACCOUNTS DO NOT CONTAIN THIS NAME ). DISCOVER 'S FRAUD DEPARTMENT WAS PROVIDED WITH THE FTC REPORT AND POLICE REPORT FOR THE FRAUDULENT ACCOUNT AND STILL FAILED TO INVESTIGATE. THE PREVIOUS SPECIALIST I SPOKE WITH XX/XX/XXXX TOOK DOWN MY INFORMATION FOR THIS INVESTIGATION THAT WAS INITIATED XX/XX/XXXX HOWEVER THEY DID NOT PERFORM THE INVESTIGATION AND FAILED TO UPDATE AND/OR CONTACT ME. THE INFORMATION PROVIDED TO THEM MATCHES MY CREDIT REPORTS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX PHONE NUMBER : ( XXXX ) XXXX XXXX EMAIL : XXXX AS OF TODAY XX/XX/XXXX I HAVE REASSERTED THE INVESTIGATION WITH DISCOVER BUT WILL BE PURSUING LEGAL ACTION WITH A CREDIT ATTORNEY AS NOW THEY HAVE VIOLATED MY RIGHTS UNDER FCRA LAW BY NOT PROPERLY PERFORMING A FRAUDULENT ACCOUNT INVESTIGATION AND REPORTING THE INFORMATION TO CREDIT BUREAUS. 



UNDER section 605B subsection ( a ) of the FCRA law XXXX has a duty to block and delete the reporting of the Discover credit card account off of my credit report as it is an account and information that results from identity theft ; this must be done no later than 4 business days after receipt of such complaint. My information was stolen in a breach, either with the XXXX breach or the XXXXXXXX XXXX XXXX XXXX XXXX Initial account dispute due to identity theft and fraud for Discover Bank credit card ending XXXX. Was initiated XX/XX/XXXX and investigation was finalized along with results XX/XX/XXXX. The account was deleted from my credit report as it was found fraudulent on XX/XX/XXXX. The account has since been reinserted on my credit report XX/XX/XXXX, a month and 13 days after the investigation was finalized. XXXX allowed the account to be reported 43 days after the investigation was finalized, without notifying me that the account would be reinserted on my credit report 5 days prior as required by FCRA Law. XXXX has violated my rights under this law and as of today still has failed to notify me of the reinsertion. Similarly, they have allowed Discover to reinsert the account after they found the account was fraudulent because the creditor reporting the fraudulent account is reporting the account with different information for the sake of getting the information reinserted and making me ( the victim of identity theft ) responsible for an account I did not open. Discover has changed the account number and account balance from the {$18000.00} to {$15000.00} as a ploy to get the information reinserted which is in violation of my rights under FCRA laws as well. I am a victim of identity theft and have since had to report and dispute multiple accounts associated with my credit report. The credit card with Discover Bank was opened in my maiden name ( XXXX XXXX ), after I have already been going by XXXX XXXX XXXX XXXX XXXX XXXX ) for 6 years. All of my accounts are under and have been under the name XXXX XXXX XXXX and I have been using my this name since XXXX, this card was opened fraudulently in my name and would like for it to be removed. This credit card is negatively impacting my credit and is not mine. This card/account does not appear on my credit reports with the other bureaus : XXXX and XXXX. Additionally, the account was reinserted on my credit report with different information, initially it showed with a balance of {$18000.00} and as of yesterday it shows with a balance of {$15000.00}. Discover Bank is reporting an account to credit reporting agencies with varying information or different information. Similarly, XXXX violate FCRA laws by failing to send communication in writing certifying that they would be reinserting the deleted information with 5 business days so I will also be taking up this matter with the CFPB and FTC as my rights under the FCRA have been violated. Similarly, the account demographic information associated with the account is incorrect as well. They have stated that addresses XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are associated with the account, but I have not lived at such addresses. I will be providing my approved XXXX XXXX XXXX to provide a list of addresses I have lived at in the past 9 years. Similarly, the phone number they have on file is not my phone number. My phone number is ( XXXX ) XXXX. I TOLD DISCOVER I DID NOT KNOW WHO STOLE MY IDENTITY AND WHO HAS BEEN IMPERSONATING ME, HOWEVER I WAS AWARE OF A DATA BREACH I EXPERIENCED IN COLLEGE ALONG WITH OTHERS IN MY CLASS AND OTHER CLASSES. INFORMATION SUCH AS SSN, FULL LEGAL NAME AND OTHER IDENTIFYING INFORMATION WERE COMPROMISED FOR EVERYONE AND AS A RESULT THEY OFFERED EVERYONE FREE IDENTITY MONITORING, WHICH I COULD NOT GET ACCESS TO. I noticed the account, once I was attempting to gain access to my XXXX account and could not XX/XX/XXXX. I needed access so I could review my options for purchasing a new car and once I received assistance from support with XXXX to regain access I saw this account on my report that does not belong to me in my maiden name. The account was opened after I got married and changed my name in XXXX, the account also has information associated with it that is not mine ( I.e, addresses, phone numbers, emails ). I do not currently have access to said account as it is not mine and have file police reports, FTC reports and provided documentation for both. XXXX reinserted the account with Discover Bank without following the guidelines of FCRA law. Similarly, they allowed this reinsertion without reinvestigation and notification, and they allowed this to be reported to my credit report with incorrect information and went as far as changing my name on my credit report to XXXX XXXX from XXXX XXXX XXXX My legal name is and has been XXXX XXXX for almost 6 years and I attempted to dispute the information however they have not changed this either when my name has legally been XXXX XXXX for years . Similarly, the account has been reinserted and I have provided document evidence showing that the account has incorrect information associated with it. This account does not appear on my XXXX and XXXX reports as they found that the account was fraudulent. My name is also listed correctly for each CRA except XXXX. ALL DOCUMENTATION HAS BEEN SENT TO XXXX : PROOF OF IDENTITY, proof of address, AND FRAUD ( i.e. police report and FTC report )

Company response to consumer: Closed with explanation