Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13816900

Complaint Overview

Complaint ID: 13816900

Company: Discover Bank

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Illinois

ZIP Code: 60628

Date Received: 2025-05-30T12:00:00-05:00

Date Sent to Company: 2025-05-30T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

* * XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX * * Discover Card Services * * Attn : Executive Office of Customer Advocacy [ XXXX XXXX. ] Re : Fraudulent Account Ending in XXXX | CFPB Case # : XXXX Dear XXXX XXXX , I am writing in response to your XX/XX/XXXX letter concerning the Discover Card account ending in XXXX. I must again state unequivocally that this account was * * fraudulently opened using my personal information without my knowledge or consent * *. I did not apply for this credit card, authorize its use, or engage in any transactions related to it. Your letter references activity including online application, activation, use of my personal identifiers ( name, address, SSN, email ), and multiple phone calls. I categorically deny having participated in any of these actions. To support a thorough investigation, I am formally requesting that Discover provide complete and verifiable evidence that I was the individual who opened and used this account. Specifically, please provide : 1. * * Full transcripts * * of all phone conversations you allege I had with Discover representatives ( including XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). 2. * * Audio recordings * * of the same calls, if available. 3. * * Screenshots or logs * * from the online application process including IP addresses, device identifiers, browser user agents, geolocation data, and timestamps. 4. * * Copies of any documents * * uploaded or submitted during the application process ( including ID verification, photos, digital signatures, etc. ). 5. * * Email correspondence * * sent to or received from the listed email address ( [ XXXX ] ( mailto : XXXX ) ), particularly related to application, verification, or account setup. 6. * * Account activity logs * * showing login details, including dates, IP addresses, and device identifiers used for online access. 7. Any * * voiceprint verification * * used to verify ownership as claimed on XX/XX/XXXX. I repeat, I did not authorize the opening or use of this account and believe my identity has been compromised. The continued reporting of this fraudulent account to credit bureaus is damaging and unjustified until you can demonstrate with concrete, verifiable evidence that I personally opened and used this account. Please treat this request with urgency. In accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I expect a prompt and thorough investigation. Kindly forward all requested documentation to my address above, and confirm receipt of this letter. Sincerely, * * XXXX XXXX XXXX * * CC : Consumer Financial Protection Bureau

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