Consumer complaint received 2022-11-13
Company: U.S. BANCORP
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am the consumer. I am the natural person who is protected by the XXXX XXXX and XXXX XXXX. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This complaint is against XXXX BANK by me, XXXX XXXX XXXX. Date of XXXX XXXX is XX/XX/XXXX. US BANK has flagged a closed account in our name. We sold our house in XX/XX/XXXX. US Bank is alleging we voluntarily foreclosed on our home. They are making adjustments to unlawfully created accounts in our name. They have recently made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my wife. US Bank did not disclose this to us nor did they have our consent to report to any consumer reporting agency or make adjustments to any accounts in our name. They have unlawfully used our identification information to commit fraud violating XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in an attempt to defraud the United States and XXXX XXXX XXXX as well as myself and my husband XXXX XXXX. In my most recent update from XXXX, my notifications showed US BANK flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The Deed was sold to Open Door to avoid the continuous threats, abuse, and harassment from US Bank and XXXX Mortgage. The threats, harassment and abuse caused us personal injury not only to ourselves but also to our family and private personal property. US Bank and XXXX Mortgage listed us as tenants in their unlawful, illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both XXXX Mortgage and US Bank. They deceived us but the proof is in the sale. The documents we retained from the sale of our home required signatures of the OWNERS of the home, which were myself and my wife XXXX. The consumer reporting agencies failed to verify information before lowering my XXXX XXXX XXXX points both times. XXXX and again in XX/XX/XXXX. US Bank, XXXX Mortgage, XXXX, XXXX, XXXX are guilty of frauds and swindles, Identity theft, Aggravated Identity theft, Failure to protect customer information of financial institutions and so much more.

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