Consumer complaint received 2018-03-27
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed bankruptcy XX/XX/XXXX. On XX/XX/XXXX I signed a reaffirmation agreement with US Bank for my mortgage loan. On XX/XX/XXXX US Bank Representative XXXX XXXX signed this reaffirmation agreement for my mortgage loan. On XX/XX/XXXX my bankruptcy was discharged. Around XX/XX/XXXX I checked my credit report from all three bureaus. I noticed that my mortgage loan from US Bank was not being reported to the credit bureaus. 

Since I got this mortgage loan in XX/XX/XXXX I have never missed a payment before, during or after my bankruptcy. I feel this would have a positive effect on my credit report as I'm trying to improve it after being discharged from my bankruptcy. I talked with my attorney and they sent the signed reaffirmation agreement to US Bank. I received a letter from US Bank a few days after they wrote the letter on XX/XX/XXXX. The US Bank letter stated that all I needed to do was send a letter or email to US Banks Mortgage Servicing Credit Reporting Department asking them to reinstate the reporting of my mortgage loan. 

I sent an email to US Banks Mortgage Servicing Credit Reporting Department on XX/XX/XXXX asking them to reinstate my credit reporting for my mortgage loan. I never received a response to the email so I wrote a letter on XX/XX/XXXX to US Banks Mortgage Servicing Credit Reporting Department asking them to reinstate credit reporting for my mortgage loan. I received a letter on XX/XX/XXXX, stating that US Bank would not reinstate credit reporting for my mortgage loan as it was included in my bankruptcy. On XX/XX/XXXX I called US Bank customer service asking why US Bank denied my request even though I have a signed reaffirmation agreement for my mortgage loan. The US Bank customer service representative stated that they could not reinstate credit reporting for my mortgage loan and I would need to write a dispute to all three Credit Bureaus. 

On XX/XX/XXXX I sent dispute letters with documentation to all three credit bureaus asking them to have US Bank report my mortgage loan information. I received a letter from XXXX   on XX/XX/XXXX saying they corrected my information. XXXX did not correct what I disputed. XXXX put a reaffirmation remark on my US Bank credit card and did not do anything relating to my dispute for my US Bank mortgage loan. I filed another dispute, online, with all documentation to XXXX on XX/XX/XXXX. I am awaiting a response to that. 

XX/XX/XXXX I received a letter from XXXX and XXXX stating that they can not make any changes because US Bank is not reporting my loan information to them. I am now writing a complaint with the CFPB as I could not resolve this issue with US Bank or any of the three credit bureaus and I would like to have my mortgage loan reported to the credit bureaus so I can continue to improve my credit report/credit score.

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