Consumer complaint received 2016-08-29
Company: U.S. BANCORP
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed complaint number XXXX with the Consumer Financial Protection Bureau against US Bank. US Bank allowed a fraudulent checking account be opened in my name and then once that account was closed they reported that account as a negative mark on my banking history with XXXX XXXX. I disputed this account directly with US Bank and with XXXX. US Bank has gone to great lengths to keep me from being able to dispute this account and has continued to toe the line in breaking the law set forth in the Fair Credit Reporting Act. US Bank has made it clear they do not want to investigate this claim and have attempted to force me to communicate with them outside of the CFPB. Let this complaint serve as official notice to US Bank that any communication moving forward will be through the CFPB so that they are held accountable by the CFPB. US Bank forced me to take off work and fill out the form even though I have filled out the official FTC Identity theft affidavit and presented it to US Bank through my XXXX dispute. US Bank has been the only financial institution that has refused to validate my claim of identity theft with the bank responsible for the identity theft. As stated in previous disputes XXXX gave out my personal sensitive information which resulted in identity theft. I am a resident of the state of Texas and US Bank does not even do business in my state. The account was opened online without my authorization or approval. I have attached the written response from XXXX when I filed my complaint against XXXX through the CFPB showing that they did in fact investigate my claim and found that it was a result of identity theft. XXXX also confirmed that my credit report has had an identity theft notification on it since XXXX. It is my understanding that the US Bank checking account was opened during a time in which my credit report had an identity theft notification on it prompting any third party to verify the application with my prior to opening the account. US Bank failed it follow this procedure and opened this account without my knowledge or consent. I am also attaching a letter from another creditor who also investigated my claim and deleted their negative reporting. Attached to this dispute is my photo ID, proof of address, the letter from XXXX XXXX which includes a toll free number for any third party to call and validate the claims of identity theft and the paperwork US Bank attempted to get me to send outside the confines of the CFPB. 
XXXX Response Thank you for submitting your complaint on XXXX XXXX, XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate there are fraudulent inquiries appearing on your credit report. You are requesting the removal of the inquiries from your credit. Upon further research and investigation, and in accordance with the FCRA, the disputed inquiries are in the process of being removed from your credit report. An updated credit report is being sent to your attention for review and confirmation.

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