Consumer complaint received 2018-01-29
Company: U.S. BANCORP
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
US Banks deliberate attack to cause me immediate and imminent harm as retaliation against recent complaints I have filed. 

History of facts : On XX/XX/XXXX I filed a complaint with the CFPB disputing inaccuracies of US Banks furnishing of information on my credit reports to XXXX, XXXX and XXXX. 
My claim included factual documents of previous times US Bank refused to fix inaccuracies they were furnishing on my credit reports, which only after months of persistence on my part did US Bank ADMIT to their errors. ( documents were provided supporting my claim ) On XX/XX/XXXX, I filed another complaint against US Bank with the CFPB ; case # XXXX this time with an affidavit from XXXX XXXX ( the co-applicant of original account ) admitting he reopened the card without my permission and knowledge. I also included an affidavit from myself to support my claim. 
Both affidavits are material facts that can not be ignored. 

My XXXX, XXXX and XXXX  Credit reports confirmed US Bank updated the following : On XX/XX/XXXX : US Bank updated my balance at {$4400.00} and current was past 30-days inXX/XX/XXXX XX/XX/XXXX ; US Bank reported to XXXX, XXXX   and XXXX the following : Balance {$4100.00} and Current, was past due being 30-days in XXXX OnXX/XX/XXXX ; US Bank reported to XXXX, XXXX and XXXX the following : Balance {$4100.00} current, was past due 30 days XXXX On XX/XX/XXXX ; US Bank reported to XXXX  , XXXX and XXXX the following : Balance {$4700.00} and Past due 30 days two times XXXX &XX/XX/XXXX On XX/XX/XXXX ( IN BETWEEN REPORTING CYCLE ) US Bank reported to XXXX  , XXXX  and XXXX the following : Balance {$4800.00} Past due 60 days Dropping my XXXX  credit score from XXXX to XXXX On XX/XX/XXXX US Bank again updated my account with the Credit Bureaus BUT DID NOT ADD any new information ( my credit score dropped another 12 pts. from XX/XX/XXXX ) On XX/XX/XXXX received a response through XXXX  that US Bank claims they are still investigating We have reviewed your complaint along with the information you provided regarding this issue. In order to preserve your rights under the FCRA, we have opened investigations into the disputed items and contacted the source ( s ) to advise them of your dispute. They will verify the accuracy of the item ( s ) and inform XXXX of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-FridaXXXX, XXXX XXXX XXXX XXXX ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report As of XX/XX/XXXX I have not received any type of correspondence from US Bank or the credit bureaus. 

So heres my questions : Since we all know US Bank & the Credit Bureaus must respond to disputes in a timely manner according to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and they MUST provide me with an update once a decision has been made within 5 days and it is clear US Bank updated the disputed account on XX/XX/XXXX, ten days ago, ( double the time allowed ) why have I not received a timely update by US Bank, XXXX, XXXX and XXXX? 

As a result ; US Bank, XXXX, XXXX and XXXX  are all AGAIN in violation of the FCRA. 
2. Why is an account that is disputed, that has two affidavits supporting the balance and status of the US Bank credit card account does not legally belong to me, does US BANK continue to defy the law and knowingly furnish inaccurate information and why do XXXX, XXXX  and XXXX allow them to violate the law? 

I believe US Bank has deliberately reported incorrect negative information to the credit bureaus to cause me as much financial harm as possible. This is more evident that US Bank re-furnished identical information on XX/XX/XXXX and XX/XX/XXXX. and more evident since US Bank is aware of the closing I have ( had ) next week. Which at this point will have to be cancelled. 

I am requesting for the US Bank Credit card balance and late status in XXXX and XXXX to be removed immediately. This will be my last request on this subject, I can assure you I will file a civil claim against US Bank, and for being complicit in US Banks deliberate violation ; XXXX, XXXX and XXXX, if this is not IMMEDIATELY update correctly. 
*Note to US Bank : my sister happens to be a supervisor in the accounting dept. with a large bank and has the highest security clearance ; you do NOT want to go through the discovery process with me.

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