you may report suspected cheaters here: https://www.bungie.net/en/Help/Troubleshoot?oid=13967
Bungie actively investigates network manipulation and other forms of cheating. They will continue to monitor game performance for people abusing the system and enforce their policies. They regularly address players who they have confirmed are cheating in one form or another. Rest assured that they will continue to do so.
[quote]Please use these reporting methods, rather than starting posts about players you suspect of cheating on forums. Sending reports directly to Bungie ensures that we will see them, and we don’t want players receiving threats and hate mail. The Banhammer’s message is strong, and doesn’t risk innocent players being publicly attacked for false claims.[/quote]
https://www.bungie.net/en/News/Article/45394/7_This-Week-at-Bungie---10272016
Bungie cannot replace your card for you. You will need to try for Flawless on a fresh card.
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OP is doing it the right way, not naming, not shaming. Why are you posting a quote from Cozmo that is clearly intended to discourage name/shame??? There is NOTHING wrong with a user saying he was cheated and asking for help, so long as he is not saying who cheated.