Consumer complaint received 2026-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: IL

Complaint narrative:
NEW DISTINCT DISPUTE : COMPLAINT FILED BASED ON NEW EVIDENCE / INACCURATE FURNISHER INVESTIGATION This is a brand new, distinct consumer dispute filed against U.S. Bank. It should not be closed or merged with closed case # XXXX, as I am presenting new physical documentation issued by the bank that directly contradicts their previous investigation findings. I am disputing inaccurate credit reporting on my mortgage account ( # XXXX ). U.S. Bank is intentionally reporting my account to XXXX XXXX XXXX XXXX as a rolling " 120 Days Late '' and " ND '' ( No Data ) severe delinquency from XXXX to XX/XX/year>. In their previous investigation response, U.S. Bank claimed this negative history is accurate because my account was contractually delinquent during my Trial Period Plan ( TPP ). However, I am attaching a copy of my official U.S. Bank mortgage statement received last week for my property at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. On the face of this official billing statement, U.S. Bank explicitly lists my " Past Due Amount '' as a flat {$0.00} and my " Past Due Option/Deferral '' as {$0.00}. Furthermore, the " XXXX XXXX '' ledger on this statement clearly documents that the {$10000.00} FHA Partial Claim funds and my {$2000.00} TPP trial funds were processed to retroactively cure and satisfy the XX/XX/year>, XX/XX/year>, and XX/XX/year> payment periods. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) and XXXX XXXX XXXX XXXX ( FAQ 56 regarding completed loss mitigation ), a lender can not legally report severe rolling delinquencies to the credit bureaus while simultaneously issuing official corporate billing statements verifying that the past-due balance has been retroactively satisfied to {$0.00}. The permanent loan modification legally and contractually cured the default. ACTUAL DAMAGES INFLICTED : Due to this blatant reporting failure, my credit score has dropped to the low XXXX. I am enduring active financial damage, including a 27 % punitive interest rate hike on my XXXX XXXX card, a high-interest vehicle title loan, and ongoing credit denials across the board. LEGAL NOTICE OF INTENT TO LITIGATE : Please be advised that this letter serves as a formal Notice of Intent to Litigate under the Fair Credit Reporting Act ( FCRA ). If U.S. Bank does not transmit a manual XXXX XXXX electronic correction file within fifteen ( 15 ) calendar days to remove these historical lates, I will immediately retain formal consumer protection counsel. Because I have documented, actual financial damages and have provided clear physical proof of your reporting errors, I will pursue full civil damages, statutory damages, and punitive damages for willful non-compliance. Your legal department will also be held liable for all associated attorney fees under 15 U.S.C. 1681n. REQUIRED REMEDY : U.S. Bank must immediately transmit a manual XXXX XXXX automated electronic correction file to completely purge all " 120 Days Late '' and " ND '' marks for XXXX, XXXX, XXXX, and XX/XX/year>, updating the Payment History Profile ( PHP ) for those months to " XXXX '' ( Current ).

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