Consumer complaint received 2024-01-17
Company: U.S. BANCORP
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RE : CFPB COMPLAINT - ACCOUNT FURNISHING VIOLATION |Account Number XXXX XXXX XXXX XXXX || || || || || || || || || Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against US BANK CONSUMER REPORT DISPUTES for willful non-compliance with my written instructions to cease and desist from furnishing data on my consumer report. The company has violated multiple statutes, as outlined below : **Incident Details : ** 1. **Unauthorized Furnishing of Information : ** Despite my multiple written instructions, including an opt-out letter, US BANK CONSUMER REPORT DISPUTES continued to furnish transaction history data on my consumer report. 
2. **Violations of FCRA : ** The actions of US BANK CONSUMER REPORT DISPUTES directly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c and 15 U.S. Code 1681b.

**Legal Violations : ** 1. **The incident involves US BANK CONSUMER REPORT DISPUTES persistently furnishing transaction data on the consumer 's credit report despite the consumer having previously opted-out and explicitly rescinded consent for such reporting. This action constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, which defines a consumer reporting agency as an entity that assembles or evaluates consumer credit information for the purpose of furnishing consumer reports. Notably, the FCRA excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. In this case, US BANK CONSUMER REPORT DISPUTES continues to report transaction history, which is explicitly illegal under the FCRA. The remedy sought is the immediate removal of all payment history on the account or, alternatively, the reclassification of the account status as " paid as agreed upon '' to rectify the ongoing FCRA violation.

2. **15 U.S. Code 1681 - Congressional findings and statement of purpose : ** - US BANK CONSUMER REPORT DISPUTES failed to exercise its responsibilities with fairness, impartiality, and respect for my right to privacy, as mandated by the FCRA .

3. **15 U.S. Code 1681a - Definitions ; rules of construction : US BANK CONSUMER REPORT DISPUTES is classified as a consumer reporting agency and, as such, must adhere to the FCRA 's requirements regarding the confidentiality, accuracy, relevancy, and proper utilization of consumer information.

4. **15 U.S. Code 1681b - Permissible purposes of consumer reports : ** - US BANK CONSUMER REPORT DISPUTES continued to furnish transaction history data on my consumer report without my written consent after I provided written instruction to cease and desist, thus US BANK CONSUMER REPORT DISPUTES is violating the FCRA 's requirement for authorization.

**Requested Remedies : ** I request the Consumer Financial Protection Bureau to take the following actions : 1. **Removal of Data : ** Direct US BANK CONSUMER REPORT DISPUTES to immediately remove the data of transaction history for the account ( s ) listed from my consumer report.

2. **Formal Apology : ** Request US BANK CONSUMER REPORT DISPUTES to issue a formal written apology for their willful non-compliance with my written instructions. 
XXXX. **Compensatory Damages : ** Demand compensatory damages of a minimum of {$6000.00} per account listed for the continued furnishing of data after authorization was rescinded. 

I have attached supporting documentation, including copies of my written instructions to cease and desist, the opt-out letter, and evidence of US BANK CONSUMER REPORT DISPUTES 's continued unauthorized furnishing of information on my consumer report.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of US BANK CONSUMER REPORT DISPUTES to ensure compliance with the FCRA. 

Sincerely, XXXX 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