This has been ongoing since 1999 and the harassment and extortion this bank has committed is unreal.
In 2004 I investigated an unfamiliar trade line on my credit report with Discovercard. They told me to send a letter in writing including my name, address, social, and any account identifying information to correct the information.
Within a month of complying, I started receiving calls from their office claiming I owed $6,000. I told them the story, I did not recognize the account and was looking for information about the debt, how it originated, copies of signatures, sales receipts etc. to establish the true identity of the account holder. They told me at that point they added my social to the account and "good luck" getting it removed. So much for amicably working to have the false information corrected.
I received a barage of harassing phone calls which all met with a copy of a letter asking for specific notarized information and signatures about the debt. This continued from 2004 - 2006.
In one follow up call in 2006, it was finally admitted I answered their "challenge" questions incorrectly and obviously the account was not mine. It was admitted on the phone that in 1999 they sent a pre-approval of credit in my name to an address I no longer lived at. They admitted the account was opened fraudulently. I requested something in writing indicating the trade lines would be removed. The woman was hesitant, but wanted to help and about a week later I got a very generic letter stating they instructed the credit reporting agencies to delete the trade line as the account was "unverifiable".
My state has a 6 year statute of limitations. It MUST drop. WRONG - Discover card sold the account to their junk debt buyer Weltman Weinebrg and Reis and that is another complaint all by itself with their illegal business practices and history of consumer fraud around the US.
So Discovercard gives my personal information to a junk debt buyer and the calls start again. I send only a copy of my letter stating the accountwas unverifiable, as well as a copies of the unanswered letters requesting information dating back to 2004.
The junk debt buyer elects to participate in the illegal use of court documents in an effort to phish for information. They put the documents in the name of "Jane Doe" (obviously they don't know who legally is responsible). Then they put it in the name of someone else with the same first name/different last name than me - I don't even know this person. Then finally they add my name to it on the third attempt.
So here it is 2009 and I the credit reporting agencies refuse to delete the trade lines and allow re-aging of the account to make it appear as a recent charge off.
I write letters of complaint and Discover tells the Department of Banking I fabricated the 2004 document and refuse to comment on the illegal re-aging and still refuse to produce any validating documentation to reflect the ownership of the account and any associated charges.
Still - pending.
Eatontown, New Jersey