Consumer complaint received 2022-02-09
Company: U.S. BANCORP
State: UT
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:
The details below coincide with a fraud alert I received on XX/XX/XXXX that my SSN has been found on the dark web along with details that it is not possible to know how long my SSN # has been available. As the victim of Identity theft I have been going through the trials and tribulations that come with being customized, including the need to keep lenders responsible ( the burden of proof is on the lender to provide details substantiating their claims ) knowledge of my SSN # being found on the dark web is not a first and wont be the last it will happenagain. However I have been proactive in protecting my file. XXXX  XXXX  seems to be completely missing my alerts and shotgunning my credit on the daily getting through multiple inquiries for a single day when I may remove a credit freeze. XXXX  XXXX  reports XXXX hard inquires every time this occurs. And is reporting inquiries and sending me letters of credit denial nearly every few weeks for credit I did not ask for. Requesting XXXX  XXXX  immediately cease and desist all association with my credit profile going forward and requesting removal of erroneous hard inquires regardless of where they were pulled ( whether the big XXXX CRAs or the smaller companies like XXXX, XXXX, XXXX, and the like ), placing my credit profile off limits to this lender until such time that I myself may request credit from them after confirming identity or internal safeguards are put in place to ensure consumers are not victimized by ID theft out of their control. Also reporting the company deliberately appears to report dual credit inquires showing as hard inquires each and every time they pull credit ( see below for dates ). 

I first had identity stolen which I discovered in XX/XX/XXXX. Immediately filed reports as recommended. My credit profile contains a current fraud alert notifying banks to call me and confirm identity BEFORE RUNNING MY CREDIT AND IF THEY CAN NOT CONFIRM THEY ARE INSTRUCTED THAT IT IS LIKELY FRAUDULENT. This bank has completely disregarded the fraud alert to date. The inquires below are unauthorized and should have been blocked by one or both of : my credit report freeze, or after confirming I did not request credit by calling me XXXX to confirm my intent per my fraud alert. I will submit that they have removed a couple inquires but the vast majority remain. Again, each time they pull using XXXX diff addresses so XXXX hard inquires are added. After seeing that they had turned down a consumer 1 day prior, there is no need to further inquire. Even if these requests were made by me and I was asking for credit from them daily, there should be internal controls to protect consumers from this erroneous reporting of hard inquires and further harming their credit score. I prefer to handle these matters outside of court, but I do have an attorney and will pursue damages if these inquiries are not removed immediately. I will stipulate that XXXX XXXX XXXX XXXX did obtain my permission to run my credit. I did specifically ask that they NOT shotgun my credit to lenders nationwide, rather asked that they keep it with XXXX XXXX where I had a pre-approval on file. I will agree that XXXX XXXX XXXX XXXX is responsible for this one instance. Aside from that, the inquires in XX/XX/XXXX are not authorized nor is the entry of dual inquires dated XX/XX/XXXX authorized. 

Specific dates ( each date corresponds to XXXX hard inquires from XXXX  against my credit profile with XXXX, but this complaint is for all reporting of inquires across any and all consumer reporting agencies large and small ) : XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquiry from the lender This is XXXX unauthorized credit inquires all harming my credit. With the possible exception of XXXX inquiry, the rest of these are inaccurate or a computer glitch causing repulls twice every XXXX day towards the end of XX/XX/XXXX. I will be filing this same complaint against multiple other lenders deliberately pulling my credit without full authorization of an identity theft victim.

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