Consumer complaint received 2017-08-02
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX  I received my credit report from  XXXX . Someone is using my personal information to abuse my credit. There is a address in Michigan that is being used. I have never lived there, nor have I visited there. The spelling of my name is being used as   XXXX   XXXX   XXXX  . I 've reported my drivers license stolen with my name being spelled that way. My social security card have been stolen. I 've notified The Social Security Department. I 've done a name change with Probate court, in the presence of a Judge. My name on the credit report is also spelled   XXXX   XXXX   XXXX   On  XX/XX/XXXX , I received your packet including the  XXXX -mortgage interest statements I requested. I notice you paid for my home owners insurance. May I ask who the insurance was with. It is not on the credit report. May I get that information please. I am completely in the dark. You also paid taxes on the property at   XXXX   XXXX   XXXX    XXXX  TN  XXXX . All of these fraudulent acts began in  XXXX , when I received the settlement from the medical malpractice law sue I filed in  XXXX . And while I was under wage earner- case number   XXXX   XXXX  . Honorable   XXXX   XXXX   was the Judge over the case. I was discharged in  XXXX . I have my discharge papers from  XXXX  and  XXXX , if you need them. I 've mailed the identity theft packet to you. This should enable you to access my information. The parcel property tax number is   XXXX  , I need that information. As I 've stated I never received this information. I do n't know how payments was being made to you.   XXXX   XXXX   XXXX   was excepting payments from me. Because I paid their bankruptcy department outside of the courts. The payments was being made to   XXXX   XXXX  . Unless they were interven, since my mail was being stolen. As I mentioned, there are checks with five digits as though a business was making payments to. US Bank Mortgage, using my social security number. And the account number, since the person/persons have that information. I did n't know   XXXX   XXXX   XXXX   sent my account to your bank for servicing. When I learned I was a victim of identity theft. So much had taken place, until I tried to figure out where to began. I am now homeless, I do n't have an income. I am using a free government phone to get these messages to you. I ca n't afford to purchase postage. My grandchild is helping me. My only income is {$190.00} in food stamps. I 'm barely surviving on those a month. I was employed with   XXXX   XXXX   XXXX   XXXX   for twenty-two years. I began working at the age of seventeen. I am now  XXXX  years of age, and I have nothing to show for my existence. I 'm deprived of health care insurance. I have nothing. This is the reason I press on. I feel as though there is a blessing in disguise for me. I keep looking to the hill from whence cometh my help. And it comes from the Lord. I am trying to remain encouraged. Beginning in  XXXX - XXXX  you will have to tell me how you received your payments. Since my account with   XXXX   XXXX   XXXX   was being abused and checks were stolen from my home. Payments was being made from my account. I included the police report number with the identity theft packet.

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