Consumer complaint received 2018-07-01
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:
Dear Sir or Madam : I previously submitted this request through the CFPB on XX/XX/XXXX. Usbank responded on XX/XX/XXXX that they would change both credit hits that occurred on XX/XX/XXXX and XX/XX/XXXX to " soft inquiries '' but this has not happened.

I am writing to dispute the following information concerning unauthorized hard credit hit were applied to my credit report, improperly conducted by usbank on XX/XX/XXXX and XX/XX/XXXX. I am and have previously requested that this unauthorized credit hit on XX/XX/XXXX be removed from credit history as it occurred due to an error by usbank. I have previously filed a compliant through the CFPB in which usbank responded that they would remove this error and change both dates to a " soft '' inquiry from my credit history but they have not. I have waited several months for them to correct this and again, request that they do so as this is taken up a lot of time over the past year to resolve this matter.

During the Spring of XX/XX/XXXX, my wife changed her maiden name ( XXXX ) to XXXX. One day we went into a branch to update her name on her usbank accounts and requested to have me added to all of her accounts. We asked if this would do any kind of credit check or credit hits to our credit histories and they said it would not do any credit hits to her credit score but would do only one hit to mine. The paper work was filed incorrectly by the worker at a usbank branch in XXXX, XXXX. The worker submitted the request for joint owner before the name change information. This caused the applications to add me to have a different signature and name that was on the accounts ( still XXXX due to submitting the joint-owner paper work before proof and request of name change ). So we had to go back into the branch to fill out another consent form to add me as a joint-owner of the accounts. We were told that this would not cause any other additional credit hits because it is within the same time period as the first request. We then received a letter saying the request was denied. I was denied to be a joint-owner because of the error at the branch that we already addressed. This letter is attached and dated XX/XX/XXXX and states that for security purposes, we are unable to process this request this was due to the name mix up. We received another letter dated XX/XX/XXXX extending an apology, explaining the errors that usbank made and stating that XXXX  was now added to all accounts, however when we checked I had not been adding to the account ending in XXXX. I then received a letter stating we regret to inform you that we are unable to consider your application even though we just received a letter saying I was added to all accounts. This letter is attached as a photo and is dated XX/XX/XXXX stating that I was again denied because Another recent application is being processed which was the first application that we then had to re-do at the branch. We received 4 letters on this date all stating the same information but for different account numbers, some addressing my wife as XXXX XXXX and others stating Dear XXXX XXXX XXXX. My wife called to double check if I was added to all account several times because there must have been an error adding him to one of the credit cards as a joint-owner. Each customer representative said it was being worked on. She always asked if this process would create another hard credit check to be applied towards my or my husbands credit. The answer was always no. One of the dates she called was months later of this issue not being resolved on XX/XX/XXXX which is the dates I am disputing on my credit report. This was the second credit hit ( the first was on XX/XX/XXXX ) was unauthorized and negatively impacted my credit even though we were told no further credit hits would occur. Through this process usbank conducted three unauthorized credit inquiries on my wife 's report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Usbank has finally addressed their mistake by stating they will change these " hard credit '' inquiries to " soft '' but has yet to do so.

I am requesting that usbank change the hard hit on XX/XX/XXXX to a soft inquiry and also correct their inaccurate, unauthorized hard credit hit on me onXX/XX/XXXX completely from my credit history as it was their mistake should not be reflected in my credit history.

If this is not removed please send a " request a letter of deletion '' of this credit hits so I can send in necessary documentation to XXXX to fix usbanks mistake. I have attached copies of the letters sent from usbank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as usbanks response to solve this problem on my wife 's credit history and their response to me stating that these " hard '' to " soft '' changes would be made that have not yet occurred. Please investigate this and delete these disputed items as soon as possible.

Thank you for your time, XXXX XXXX XXXX Enclosures : PDF containing XX/XX/XXXX usbank letter, XX/XX/XXXX usbank letters, and letter dated XX/XX/XXXX, usbank response to XXXX XXXX, usbank response to XXXX XXXX.

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