Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am filing this complaint against U.S. Bank National Association for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and for furnishing materially inaccurate and misleading information to the credit reporting agencies. The account in question ( ending in XXXX ) has been disputed multiple times, including escalations through the Consumer Financial Protection Bureau, yet U.S. Bank continues to report inaccurate and contradictory information on my credit file. Despite receiving proper notice of dispute, they have failed to correct or properly investigate the inaccuracies. Specifically, the account is being reported as closed with a {$0.00} balance and {$0.00} past due, yet the payment history continues to reflect XXXX and XXXX late payments. This is a clear contradiction and violates the XXXX Credit Reporting Resource Guide standards, which require that payment history codes align with the account status and past-due fields. A closed and current account can not legally or logically continue to reflect delinquency. This reporting is not only inconsistent but materially misleading and damaging to my creditworthiness. Furthermore, U.S. Bank has continued to verify this inaccurate information after multiple disputes without providing any documentation supporting the alleged late payments. This raises serious concerns about the adequacy and legitimacy of their investigation process. Their actions constitute violations of the following : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) : Failure of a furnisher to properly investigate and correct inaccurate information after notice Despite my repeated disputes, U.S. Bank has failed to provide : Billing statements showing when the alleged late payments occurred A complete payment history ledger Documentation of how payments were applied Any records used during their reinvestigation process Without this documentation, the reported late payments are unverifiable and should not be reported. Additionally, I have reason for heightened concern regarding the integrity of my data due to my exposure in the XXXX data breach, which increases the risk that inaccurate or compromised information may be appearing on my credit file. It is also important to note that I am aware of my rights under federal law, including protections against improper delay or dismissal of disputes. Any attempt to ignore or delay investigation obligations is a violation of 15 U.S.C. 1681i, which mandates timely and proper handling of consumer disputes. At this point, U.S. Banks continued reporting of this inaccurate information, despite multiple disputes and regulatory escalation, constitutes negligent and potentially willful non-compliance with federal law. Requested Resolution : I am requesting that the CFPB require U.S. Bank to : Immediately REMOVE all inaccurate late payment history associated with this account from all credit reporting agencies Provide full documentation supporting any alleged delinquency, if they intend to continue reporting it Ensure all future reporting is fully compliant with XXXX standards and FCRA requirements Conduct a proper and lawful reinvestigation of this account If U.S. Bank can not produce verifiable documentation, the accounts derogatory history must be permanently removed immediately.

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