Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
Fraudulent Checking Account, Identity Theft, and Data Breach Impact Dear Consumer Financial Protection Bureau, I am filing this formal complaint to report a fraudulent checking account that was unlawfully opened using my personal information. I did not authorize the creation of this account and was completely unaware of its existence until I received a forwarded legal notice related to a property and check that I have no connection to. This prompted me to review my credit report, where I discovered the fraudulent account and associated debt. 

The account was listed with a charge-off balance of over {$2200.00} and marked as unpaid. The account status shows it was closed as of XXXX XXXX, 2025. I have never opened or used this account, and its presence on my credit file is both damaging and unlawful.

I believe this case involves identity theft, possibly stemming from a previous data breach involving a major credit reporting agency. I have recently learned that my personal data was compromised in this breach, yet I was not properly notified at the time and did not have the opportunity to take protective steps. It is now evident that my information may have been used without my knowledge or consent.

Violations of Federal Law This situation raises serious concerns under several federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x Guarantees consumers the right to accurate and fair credit reporting.

Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ) Prohibits the knowing use of another individuals identity to commit fraud.

Gramm-Leach-Bliley Act ( GLBA ) Requires financial institutions to safeguard consumer data.

Federal Trade Commission Act ( 15 U.S.C. 4158 ) Prohibits deceptive and unfair business practices, including the failure to prevent or respond to identity theft.

These violations have directly resulted in reputational harm, credit damage, and legal exposure, none of which I should bear.

Actions I Have Taken Filed a police report for identity theft Submitted an identity theft complaint with the Federal Trade Commission ( FTC ) Disputed the fraudulent account with credit reporting agencies Attempted to communicate with the reporting bank for resolution I have copies of the police report, FTC complaint, and credit bureau dispute letters, which I am prepared to provide if needed.

Requested Actions I respectfully request that the CFPB : Initiate a full investigation into the fraudulent account Assist in identifying the financial institution responsible for opening and reporting this account XXXX  the account is permanently removed from my credit history Take appropriate regulatory action against any institution found to have failed in its duty to verify identity or protect personal information Investigate the connection to the past data breach and assess any additional risks I may face I am requesting that this matter be treated with urgency, and I am willing to provide any further details or documentation required during the investigation process.

Thank you for your attention to this matter and your commitment to consumer protection.

Company response to consumer: Closed with explanation