Consumer complaint received 2021-03-21
Company: U.S. BANCORP
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and no one is either acting on my behalf, nor are they authorized to do so. 

Multiple/Many - Attempts have been made with the CRA 's to fix credit reporting done from US Bank, and then its ' resulting in my credit report having incomplete/inaccurate data on my consumer report. 

They are pointing back to YOU US BANK - accurate reporting is between you, the CRA and FCRA/FDCPA. 

These complaints are with FCRA/FDCPA and then using file standards in the data furnishing industry ( XXXX ) Each Tradeline - description 's of the account ( screen shots attached and so named ) ( XXXX ) - US BANK CACS CC # XXXX ( XXXX ) - XXXX US BANK ( CLOSED ) ( XXXX ) - XXXX XXXX - 1. XXXX - XXXX XXXX is inaccurate 2. Last Payment Made - is inaccurate 3. Payment History is Incomplete, then inaccurate 4. Balance/Rating History is incomplete inaccurate ( rating XXXX XXXX XXXX XXXX XXXX XXXX, is literally impossible ). 
5 Balance History - no history of balance, what was due or paid - natural progression to what's claimed in impossible - innacurate and incomplete 6. Pay Status lacks a CLS 7. Date Closed isn't accurate and actually shows a payment ( ast Payment Made : XX/XX/XXXX ) 8. " Maximum Delinquency of 120 days in XX/XX/XXXX for {$300.00} and in XX/XX/XXXX for $ XXXX< '' - if true, would mean I don't owe your reported balance 9. Since reported delinquency - all history is gone 10. Is the account actually CLOSED - where is the CLS?

11. When CO - should BAL not be XXXX? 

Please complete/update/correct your reporting, or delete this inaccurate Tradeline. 

XXXX - 1. US BANK ( CLOSED ) - says its closed, in the descr - and, its really NOT 2. There is no account number 3. Available Credit says XXXX XXXX. Reported Balance - when Charge off - should it not be 0?

5. Debt to Credit Ration - should not apply to a CLOSED ACCOUNT 6. Payment/Balance/Rating History - is wholly incomplete, When adverse - all history to that date - was wiped out 7. Pay History - XXXX literally impossible, where is CLS?

High Credit - Blank - no comments to direct to this field 8. Terms/Freq - can not apply to CLOSED accounts 9. Date of Last Payment, is inaccurate ( XX/XX/XXXX ) - DATE OF LAST ACTIVITY is then inaccurate 10. Then - DOFD is invalid ( XX/XX/XXXX ) - inaccurate, based on what's reported 11. Delinquency First Reported - is inaccurate ( I have reporting to show when ) 12. Charge off amount <> Balance 13. Date Closed is Blank Please complete/update/correct your reporting, or delete this inaccurate Tradeline.

XXXX  Account Info Account Name US BANK Account Number XXXX 1. Account charged off. {$1000.00} written off. {$1400.00} past due as of XX/XX/XXXX, please report how this occurred ( delta ) 2. XXXX - FCRA Date is inaccurate 3. XXXX has a CLOSED DATE - when is it? 
Payment/Balance/Rating History is inaccurate and incomplete 4. Balance History repeats itself - from XX/XX/XXXX to XXXX .... 
5. Charge Off as of XX/XX/XXXX to XX/XX/XXXX 6. Dates mean everything -- - 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Please complete/update/correct your reporting, or delete this inaccurate Tradeline.

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 non-monetary relief