Consumer complaint received 2021-10-12
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am a consumer, and have been violated according to 12 CFR 1026.13 ( d ) ( 2 ) that states : " Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' U.S. Bank National Association has reported information of a delinquent account ( 30 day late ) that is in a billing error status on XXXX XXXX to the credit reporting agencies. 

On several occasions I had requested clarification of the billing error both by recorded phone call on XX/XX/2021 at XXXX PST, as well as by USPS Certified Mail with included Certificate of Mailing form XXXX on XX/XX/XXXX, XX/XX/XXXX and most recently on XXXX XXXX in accordance with 12 C.F.R. 226.13 ( d ) " Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date ; ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. also 15 U.S.C. 1666 ( b ) ( 2 ) " A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. '' ; U.S. Bank N.A. has violated the terms of billing error and has not provided any requested documentary evidence to satisfy such claims of debt. '' On XX/XX/2021, while the account in question has been in dispute for a billing error, U.S. Bank National Association had reported my personal information to the credit reporting agencies without my expressed written consent. 15 U.S.C. 1681b ( 2 ) states : " In accordance with the written instructions of the consumer to whom it relates. '' I, the consumer was not given the opportunity ; written or oral, to " opt-out '' according to 12 C.F.R. 1016.7 by U.S. Bank National Association prior to reporting this false information that is currently in a billing error status.

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