Consumer complaint received 2018-01-26
Company: U.S. BANCORP
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Summary of Facts: 
I am providing a NOTARIZED Affidavit from XXXX XXXX (co-applicant) that this account was opened with me as a co-applicant, without my knowledge or permission. This is a Material Fact, that Must be honored unless and until US Bank conducts an investigation and has Material Proof to discredit XXXX XXXX  claims. 
That the balance of $XXXX  being furnished to the credit bureaus by US Bank does not belong to me. 
That XXXX XXXX has acknowledged the entire balance belongs to him and willing to pay it. 
US Bank must update XXXX, XXXX and XXXX   immediately and/or within 4 days and update the Flex Perk credit card they are reporting in light of the evidence provided. 
*US Bank reports this account to the credit bureaus between the XXXX-XXXX of each month. In five (5) yrs. there has been not one single deviation of any month. This account has reported the balance and status for the same dates in fifty one (51) straight months. 
* US Bank is due to report this account(s) sometime between XX/XX/XXXX and XX/XX/XXXX
US Bank will have received this complaint/dispute on XX/XX/XXXX, providing plenty of time to properly adjust what they report to the credit bureaus at the end of XX/XX/XXXX. 

*US Bank last reported this account to the credit bureaus on XX/XX/XXXX, consistent with the previous 5 yrs.
*As a result of my dispute and claim and according to the FCRA and the FTC, US Bank MUST remove the balance in dispute and the accounts I have identified as not MINE. 
**If US Bank either reports this account as it is prior to completing a proper investigation or does anything other than removing the disputed balance and accounts, IS Band would be deliberately violating numerous FCRA laws. 


Summary of facts: 

In XX/XX/XXXX, I opened the following US Bank account as a Co-signer with XXXX XXXX; acct# XXXX XXXX XXXX XXXX (My CARD)  
XX/XX/XXXX my US Bank Credit Card was stolen and used
 XX/XX/XXXX: (Tuesday) I Reported the fraudulent transactions
XX/XX/XXXX I also requested my account be closed acct# XXXX   XXXX XXXX XXXX. 
XX/XX/XXXX( Wednesday) US Bank, nearly 2 weeks later initiated a fraud claim
Sometime in XX/XX/XXXX US Bank reopened new credit card accounts ending in XXXX and sent these cards to my business address, contrary to my wishes. 
XX/XX/XXXX US Bank sent me out a statement wrongly claiming a balance of $XXXX with a MINIMUM PAYMENT DUE $XXXX
 During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was unable to access my account information online. US Bank later admitted they had denied me online access in error, once the fraud claim was reported the restriction should have been removed. See attached US Bank letter dated XX/XX/XXXX.
XX/XX/XXXX:  US Bank reported this account as 30-days late (this was later determined an error by US BANK) see attached US Bank letter dated XX/XX/XXXX
XX/XX/XXXX, I filed a complaint with the CFPB, case # XXXX XXXX. 
See attached CFPB Complaint

Disputing the following: 
a.) US Bank inaccurately reported me 30-days late in XX/XX/XXXX 
b.) US Bank has denied me online access to my US Bank account
c.) US Bank is reporting the wrong balance of $XXXX 
d.) US Bank has denied my previous disputes with XXXX, XXXX and XXXX and wrongly confirmed to 30-day late XXXX   information furnished to the credit bureaus. 
e.) As a result I may take on an additional $XXXX in damages towards a XXXX XXXX construction loan. (I did end up suffering over $3,000 damages, which at the time I did not file a civil claim for, YET! XX/XX/XXXX; I filed another round of disputes with XXXX, XXXX, and XXXX, claiming US BANK was inaccurately reporting I was 30 days late in XX/XX/XXXX. I provided proof of statements and payments to support my claim, but all three credit bureaus dismissed my documents and accepted US Banks response claiming the 30-day late reported for XX/XX/XXXX was accurate. Despite the fact US Bank never provided any proof of documents to support their claim. 
*NOTE: US BANK did NOT provide any documented proof, yet XXXX, XXXX and XXXX still accepted US Banks claim, which after continual disputing and I forced U.S.Bank to conduct a proper investigation, it was finally determined that US Bank did indeed report inaccurate information. 

Our records reflect that on XX/XX/XXXX, you contacted us to report unauthorized activity on your account and on XX/XX/XXXX, we initiated a fraud claim However, our investigation determined that, we did not take all of the NECESSARY steps to remove all of the related delinquencies from your account  

XX/XX/XXXX XXXX, XXXX and XXXX sent me a letter advising they had completed a proper investigation and US Bank responded that the 30-late they had furnished for XX/XX/XXXX is accurate. Therefore, denied my request to remove the XX/XX/XXXX 30-day late fee furnished by US Bank. 
As a result, I was suffered financial harm by being denied credit and my auto insurance increased by more than $900 yearly. 
As a result of US Banks continued refusal to conduct a reasonable investigation and provide the credit bureaus with accurate information, I had to take today (XX/XX/XXXX) off work to do U.S Banks job by investigating/researching the facts concerning this account, suffering more financial harm. 
Sometime in XX/XX/XXXX I again contacted US Bank, informing them I never reopened this account and please close it. 
On XX/XX/XXXX I filed a complaint with the CFPB for inaccurate reporting of late fees
US Bank has willfully breached our contract, a contract they created, by changing the interest rates without notifying me, as required by the FTC.*

 
US BANK Errors -IM ALWAYS RIGHT/ US BANK= WRONG

Here are previous disputes I have made against US Bank, which US Banks initial response was found to be INACCURATE.
XX/XX/XXXX US Bank admitted errors in their initial response to my fraud report
XX/XX/XXXX US Bank denied my 1st claim that they were reporting the wrong balance and status to the credit Bureaus
However, on my 2nd claim  a month later in XX/XX/XXXX- US Bank admitted errors reporting the wrong balance to XXXX, XXXX and XXXX  in XX/XX/XXXX. 
At my request US BANK closed the this credit card account
Sometime in XX/XX/XXXX US Bank issued a new account (which I did not request) and has never provided proof that I requested the account to be re-opened. Acct. ending in XXXX  
Sometime after around XX/XX/XXXX, this account was again closed by me. 
Another US Bank account was re-opened without my permission ending in XXXX
In XX/XX/XXXX, yet another US Bank account was opened in my name without my permission, ending in 
XXXX.   
     9.  Twice in the past, when I filed disputes with XXXX, XXXX and XXXX, US Bank has admitted to providing the credit Bureaus with an inaccurate update, resulting from NOT truly completing a proper investigation. 



In Summary and Request:
      
US Bank has admitted in the past to making errors and wrongly denying the claims/disputes I filed with XXXX, XXXX  and XXXX, without conducting a proper investigation. 
Additionally, XXXX, XXXX and XXXX all refused to consider unredacted documents I provided in my previous disputes. Meaning XXXX, XXXX and XXXX NEVER read the documents I provided. Alternately simply forwarded them to US Bank. THESE ARE PROVEN AND ADMITTED VIOLATIONS OF THE FCRA BY US BANK< XXXX< XXXX AND XXXX. 
*NOTE: I have until XX/XX/XXXX to file a civil claim on the admitted FCRA violations 

Yet, here we are again, I am again providing Material facts in the form of documents and affidavits that
I am disputing this account currenlty reported ending in XXXX, XXXX  or XXXX  belongs to me 
US Bank has reported accounts ending in XXXX, XXXX and XXXX as belonging to me incorrectly. 
I am disputing to be a Co-Signor on any US Bank account ending in;  XXXX, XXXX, XXXX 
I am claiming any charges related to accounts ending in XXXX, XXXX and XXXX do NOT Belong to me and are being reported by US BAnk to the credit bureaus inaccurately. 
I am requesting for XXXX, XXXX and XXXX to actually READ the documents I provide with this complaint and BLOCK U.S.Bank from reporting any of the above accounts until the final results of their investigation is complete. 
I am claiming, with documented irrefutable proof, US bank has violated our agreement, has done so knowingly and willingly. Therefore I am claiming this is a Contract of Adhesion. 
I am also requesting U.S. Bank to remove all the above accounts from the credit bureaus until they have conducted a reasonable and proper investigation, upon which time they can finalize any updates to the credit bureaus. 
I am claiming my requests in numbers 5 & 6 do not harm U.S.Bank in anyway. Alternately, if US Bank refuses my requests in numbers 5 & 6, I will likely suffer significant harm. 
I am claiming my requests in numbers 5 & 6 do not harm any of the Credit Bureaus mentioned in anyway. Alternately, if XXXX , XXXX or XXXX  refuses my requests in numbers 5 & 6, I will likely suffer significant harm
* NOTYE: XXXX XXXX has contacted US Bank and claimed all charges on the cards ending in XXXX, XXXX and XXXX belong to him and were made without my knowledge or permission. and provided them with an affidavit (same affidavit I am attaching)

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