Consumer complaint received 2018-02-16
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
The crux of my complaint stems from US Bank furnishing account information to the credit bureaus that is currently under dispute and in still in the process of being investigated. In other words, US Bank knowingly and willfully furnish information to the credit bureaus which they have reasonable concern could be inaccurate. 

Additionally, CEOs XXXX & XXXX, who are both obligated by law to sign a document every year attesting to their knowledge of and responsibility for their banks operations. The law establishes punishments of {$1.00} million in fines and imprisonment of up to 10 years for knowingly making false certifications. Yet, XXXX XXXX & XXXX may have known and personally instructed the retaliation against me and other consumers. 

Historically, US Bank has a long history of LYING, CHEATING, MANIPULATING DOCUMENTS, PROVIDING FALSE DOCUMENTS TO COURTS, STEALING MONEY AND PROPERTY FROM CITIZENS. ETC.. 

US BANK has committed more fraud and caused more financial losses then ten ( 10 ) XXXX XXXX, yet not one Executive has personally paid a fine or spent one ( 1 ) day in jail. Heres a short list of US Banks most recents frauds : XX/XX/XXXX U.S. Bank to Pay {$200.00} XXXX to Resolve Alleged FHA Mortgage Lending Violations XX/XX/XXXX U.S. Bank fined {$15.00} XXXX for bankruptcy filing violations Heres are examples from recent court cases : Part of a MASSIVE fraud US Bank has been BUSTED for taking part in to steal or pillage homes from honest hardworking homeowners. 

XXXX XXXX of XXXX, XXXX., had her loan changed by U.S. Bank without her knowledge, from a {$300000.00} 30-year loan to a {$200000.00} loan due in 18 months, and in documents submitted to the court, U.S. Bank included four separate loan applications with different terms : See for yourself ... 
https : XXXX XXXX XXXX   XXXXXXXX XXXX XXXXThis type of abuse is part of a Massive new fraud cover-up by banks and when financial crimes go unpunished, the root problem of fraud never gets fixed The consequences when these crimes go unpunished, the legacy of fraud never gets fixed. In this instance, the underlying ownership on potentially millions of loans has been permanently confused, and the resulting disarray will cause chaos for decades into the future, harming homeowners, investors and the broader economy. 

Back to my claims ; US Bank unknowingly admitted in their XX/XX/XXXX letter to me while attempting to cover up willful violations of my rights and the law. Further, I firmly believe at least one of US Banks CEOs XXXX XXXX or XXXX XXXX gave the orders to retaliate and have conspired with XXXX  Credit reporting agency to ruin my credit and cause me as much financial harm as they could. 

Following is a chronological history of facts of my dispute with US Bank, including their CEOs XXXX XXXX & XXXX XXXX and the Credit Bureau industry. 

In XX/XX/XXXX, I was denied a mortgage due to information on my Credit Reports. I bought memberships to XXXX and XXXX, pulled my reports and was Stunned at what US Bank was reporting. 

My XXXX & XXXX reports : Reported a US Bank ( Closed ) acct. W/balance of {$4100.00}, Last Update by Furnisher ( XX/XX/XXXX ) - XXXX did not report this update until XX/XX/XXXX : US Bank Furnished an update - XXXX did not add the Update until XX/XX/XXXX XX/XX/XXXX US Bank furnished an Update = Balance {$4700.00} & added a ( 30-day late for XX/XX/XXXX ) - XXXX did not report this update until XX/XX/XXXX On XX/XX/XXXX I filed disputes through the CFPB, with XXXX, XXXX & XXXX ; claiming the Balance and late 30-day late for XX/XX/XXXX were inaccurate provided a US Bank statement to support my claim and advised US Bank of the rule of furnishing information prior to completing a proper investigation. ( In order to preserve a private right to sue, consumers Must dispute through a credit Bureau. I included the contact of US Banks CEOs XXXX XXXX * XXXX XXXX On XX/XX/XXXX XXXX, XXXX & XXXX confirm all the information in my complaint has been forwarded to US Bank. 
On XX/XX/XXXX Incredibly XXXX, XXXX & XXXX report that US Bank had confirmed the accuracy of the Balance at {$4700.00} and XX/XX/XXXX late- Even though US Bank admits they have not completed their investigation. ( See,  US Bank letter dated XX/XX/XXXX-A Big NO NO! ) XX/XX/XXXX : Again US Bank furnishes an Update to only XXXX adding another 30 day & 60 day late for XX/XX/XXXX & XX/XX/XXXX, increasing the Balance to $ XXXX- XXXX reports this change immediately on XX/XX/XXXX ( the US Bank & XXXX relationship seems different than that with XXXX and XXXX as XXXX nor XXXX   report this until XX/XX/XXXX which is the US Bank reports to all CRAS. pay attention to the XXXX/US Bank relationship ) XX/XX/XXXX ; Suspiciously, Again in mid-cycle US Bank updates the Balance and 60 days late and again only XXXX   updates it that same day ( XX/XX/XXXX ) XXXX Filed CFPB complaints against XXXX.XXXX, XXXX and US BAnk . I requested removal of Fraud Alerts ( Which I never asked to me added ) and Consumer statements, explaining I was attempting to finalize a mortgage, but would be denied with a Fraud Alert or Consumer statement on my credit report.I included the contact of US Banks CEOs XXXX XXXX * XXXX XXXX and requested a political website ( XXXX ) to forward emails to board-members of US Bank US Bank Received this complaint on XX/XX/XXXX On XX/XX/XXXX US Bank added an 90-day Fraud alert to my XXXX report.

*NOTE through my CFPB complaints on XX/XX/XXXX & XX/XX/XXXX, I SPECIFICALLY requested to remove any consumer statements/Alerts. Informing all that an ALERT would prevent me from obtaining my mortgage. 

At this point within a 15-day period, US BANK has updated and confirmed to the credit Bureaus at least ( 9 ) different times the balance and status of this US Bank account & added Consumer statements along with fraud Alerts deliberately contradicting my previous request. 

US Bank admitted in their XX/XX/XXXX letter that they were still investigating my disputes. With that knowledge along with the confirmed dates US Bank furnished information to the Credit Bureaus, we can conclude US BANK has basically conceded to willfully, recklessly and deliberately violating the law on at least a dozen occasions in less than 30 days. ( each time an update is reported with each credit bureau would constitute as a single violation ) and it is clear US BANK was doing so to cause as much harm to me as possible. 
But there is more, On XX/XX/XXXX Somehow another 90-day alert was placed on my XXXX, XXXX  and XXXX Credit reports. 
On XX/XX/XXXX : I filed a CFPB request and complaint : Requesting XXXX, XXXX and XXXX  to Immediately remove the 90-day fraud alert and provide me with an answer of who requested the Fraud Alert to be added. ( XXXX  claimed it was from XXXX who claimed they received their request from XXXX ). 
On XX/XX/XXXX I filed a separate CFPB complaint case XXXX, against US Bank claiming that US Bank had retaliated against me as a result of my complaints. I provided a chronological history of events and violations. ( see attached US Bank XX/XX/XXXX letter responding to my CFPB complaints on ; XX/XX/XXXX Case number XXXX and XX/XX/XXXX Case number XXXX XXXX Between XX/XX/XXXX & XX/XX/XXXX numerous calls were made, pleas, long hours on the phone to have the 90-day Fraud Alert removed from XXXX   , XXXX and XXXX . 

On XX/XX/XXXX, An XXXX fraud representative finally agreed to remove the 90-day fraud alert confirmation # XXXX On XX/XX/XXXX A call was made to XXXX XXXX, US Banks rep. In the Office of the President, card-member services. XXXX XXXX, ( co-applicant of US Bank card ) offered to pay off the entire balance immediately with the agreement US Bank would remove the late fees inXX/XX/XXXX & XX/XX/XXXX only on My reports ( XXXX Co-applicant ). That was denied without a thought! XXXX XXXX implied US Bank CEOs and/or other Executives were angry I had sent them emails with my complaints. 
Therefore, no agreements ; Poor guys, its ok if we XXXX you, cheat you or violate your rights. But dont you dare stand up to us! US Banks recent history supports my claims, just ask XXXX XXXX. 


XX/XX/XXXX All my credit reports ; XXXX, XXXX & XXXX were freed of any fraud alerts. 
XX/XX/XXXX Incredibly! Another Fraud Alert was placed back on my XXXX   credit report, XXXX forwarded the Alert to XXXX, who forwarded the Alert to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation