Consumer complaint received 2023-03-07
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back overseas has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX  ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 

Account name- Elan Financial Service Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account # XXXX Account name- XXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name - XXXX Account # XXXX Account name- XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account # XXXX Along with grossly reporting my accounts to these agencies, The following are exampled of errors that are being reported to credit agencies. I have challenged these with these companies and they have refused to change the reporting. below are examples. 

XXXX. In XX/XX/XXXX Elan financial stated I was 150 days late to XXXX but reported to XXXX that I was 120 days late. False information which is a major violation XXXX. In XX/XX/XXXX Elan Financial Stated I was 150 days late to XXXX but reported me as paid to XXXX. 
XXXX. From XX/XX/XXXX to XX/XX/XXXX Elan Financial allowed XXXX to list my account as charged off while XXXX lists my account as updated and " okay '' XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was 30 days late while reporting paid on time to XXXX and XXXX XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was LATE while reporting ON TIME to XXXX and XXXX XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was ON TIME while reporting to XXXX and XXXX LATE XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was 30 days late while reporting paid on time to XXXX and XXXX XXXX XX/XX/XXXX this company reported to XXXX that I was ON TIME while reporting to XXXX and XXXX LATE 9. XXXX XX/XX/XXXX this company reported to XXXX that I was LATE while reporting ON TIME to XXXX and XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!

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