Discovery Insure ruining Credit Report of Non Client

I'm livid with Discovery Insure. I religiously check my credit report with Clear Score and never picked up anything untoward. Yesterday evening I received one of those adverts from Diect Axis Pulse offering a free Credit Check which I decided to check as I am always trying to find ways to live within my means.

On drawing the credit report, the very first expense is a Discovery Insure (a fixed cost), with a monthly installment of R6508 (six thousand five hundred and eight rand), which I'm supposed to have had since 1 Dec 2015. Thankfully the account is not in arrears. The thing is, I have never ever asked about/ app**** for/ taken up an insurance with Discovery, NEVER.

I used to work for the bank and understand how one's spending level and patterns directly impact the interest charged on credit cards, loans, overdrafts etc. My problem is how much has their error cost me over the years... will I ever get reimbursed for any financial loss?

On calling the discovery, the agent confirmed that they do not have me as a client. My query will be escalated and I should get the letter in a day or so which I must forward to the bureau that listed the expense.

To begin with, why is it now my problem to fix their error. I did not send the info to the bureau they did and should fix their error.

In addition, how 🤔 am I supposed to know which bureau was used (experian/ ITC/ Credit Bureau/ TransUnion/XDS to mention but a few), all I have is the expense listed on my credit report... Am I now supposed to shoot in the dark in hope that I might find the target, spend hours on end calling all the bureaus to ask them to check if they did the capturing.

As if that not enough, once I find the bureau I have to lodge a dispute and send all my supporting documents from my ID, proof of address, the 'letter' from discovery, police stamped affidavit and whatever I can think of to support my attestation that I do not have discovery insurance account. After sending all these documents I would still have to wait weeks for the matter to be resolved. Honestly this is financially and emotionally taxing not to mention the hours I have to spend running around in an effort to resolve this issue.

In conclusion, I believe discovery insure should be correcting their erroneous listing, without involving me just like they listed me without my participation. In general, businesses need to take responsibility for their mistakes and not allow the innocent to climb through hoops and loops. Just as it is so easy for business to submit a report, it should be just as easy to retract erroneous reports without making the innocent suffer.