Consumer complaint received 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX US BANK XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Subject : Request for Removal of Late Payments from Credit Report Dear US BANK, I hope this letter finds you well. I am writing to request your assistance in removing the 30-day and 60-day late payment remarks associated with my account from my credit report. I have been a responsible customer of US BANK and have maintained a good payment record for the majority of my account history. I believe the late payments were due to circumstances beyond my control, and I would like to provide some context for your consideration. 

The late payments in question occurred on my account related to the financing of my XXXX XXXXt XXXX, XXXX : XXXX. During the period in question, I was unaware of the late payments because my wife, at the time, managed all our finances. I had set up an allotment to be deposited into our account every month to cover our bills, including the car payment. 

In addition to my wife managing our finances, I would like to highlight the challenging circumstances I faced due to my job in the United States XXXX. I have been XXXX multiple times throughout my military career, and these deployments often involved extended periods of time away from home and limited access to financial matters. 

The nature of my military service required me to prioritize my duties and focus on the mission at hand. During my deployments, I did not have regular access to electronic communication or the ability to manage financial matters effectively. As a result, I heavily relied on my spouse at the time to handle our financial responsibilities. 

It was only when I assumed responsibility for our finances due to my wife 's diagnosis of XXXX that I discovered the missed payments on my US BANK account. As soon as I became aware of the situation, I took immediate action and made the necessary payment to bring the account up to date. I want to emphasize that this late payment was an isolated incident and was promptly rectified. 

I understand the importance of maintaining a good credit history, and I have always strived to fulfill my financial obligations in a timely manner. My XXXX  and the associated challenges made it difficult for me to actively monitor and manage all aspects of my financial affairs. 

Given my otherwise positive payment history, my deployments, and the extenuating circumstances surrounding these late payments, I kindly request that you reconsider reporting these late payments to the credit bureaus. Removing these late payment remarks from my credit report would greatly assist in maintaining the accuracy of my credit history and reflect my true creditworthiness. 

I understand that according to federal law 15 U.S. code 168la ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why US Bank is heads above the rest. 

Thank you for your attention to this matter. I genuinely value my relationship with US BANK, and I hope you will understand and grant my request for the removal of the late payment remarks from my credit report. 

Thank you for your attention to this matter. I look forward to your positive response. 
Please see attached credit report Sincerely, 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 explanation