Consumer complaint received 2018-07-21
Company: DISCOVER BANK
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX, XXXX, XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

THE FOLLOWING SHOULD BE REMOVED FROM MY CREDIT REPORT SINCE FINANCIAL ACCOUNTABILITY WAS TRANSFERRED TO THE CONSERVATOR APPOINTED BY THE COURT. 

XXXX {$4800.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit {$6600.00} XX/XX/XXXX XXXX  Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. Credit Utilization* 73.33 % Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks -- {$0.00} Individual {$4800.00} {$4800.00} Collection/Charge- Off Unknown XX/XX/XXXX {$4800.00} XXXX Charged off as bad debt Account closed by consumer XXXX {$2400.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$2400.00} {$5700.00} Collection/Charge- Off Unknown -- {$2100.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX {$28000.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$28000.00} {$28000.00} Collection/Charge- Off Unknown -- {$16000.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX XXXX {$0.00} Account Details Payment History Last Reported Creditor Name Account Type XX/XX/XXXX XXXX XXXX Flexible Spending Credit Card Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Account Status Opened Date Closed Date Limit {$20000.00} Closed - Derogatory XX/XX/XXXX XX/XX/XXXX Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks -- {$0.00} Individual {$0.00} {$13000.00} Collection/Charge- Off Unknown XX/XX/XXXX {$0.00} XXXX Charged off as bad debt Account closed by consumer XXXX {$780.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$780.00} {$4400.00} Collection/Charge- Off Unknown -- {$780.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX {$340.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$340.00} {$970.00} Collection/Charge- Off Unknown -- {$340.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX {$5100.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$5100.00} {$12000.00} Collection/Charge- Off Unknown -- {$5100.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX {$0.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Flexible Spending Credit Card Closed XX/XX/XXXX XX/XX/XXXX {$5000.00} -- {$0.00} Individual {$0.00} {$430.00} Current 120-149 Days Late -- {$0.00} XXXX Canceled by credit grantor

Company response to consumer: Closed with explanation