Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have had " Fidelity '' credit cards with Elan/US Bank for XXXX. On XX/XX/XXXX I reported significant fraud to Elan. On XX/XX/XXXX, I received a replacement card via overnight delivery. When I tried to activate the card, I was unable to do so. When I called Elan, I was told that I was deceased. I was told that " public records '' indicate that I am deceased. They told me that in order to verify that I was not deceased, I need to have XXXX fax them a letter indicating that I am alive. On XX/XX/XXXX, I went to the SSA office and obtained a physical letter indicating that I am not deceased. SSA is not permitted to fax letters or any personal information to third parties. Elan had given me an email address and I sent the letter to them that same day ( XXXX ) Apparently that is not a valid email address. On XX/XX/XXXX, a representative from my local Fidelity office, reached out unsuccessfully to correct the matter. I was out of the country over the past week and did not have any problem with my passport or XXXX XXXX designation. Prior to leaving the country, I checked my credit reports, which did not indicate that I was deceased, and froze them to prevent further financial fraud. Upon returning from vacation, on XX/XX/XXXX, I spoke with Elan because the matter has not yet been resolved. I was told that a second check had been made of " public records '' and that I was deceased and that the record included my SS #. I was told that they are not permitted to provide me with the identity of the public record ( death certificate and jurisdication?? ) so there is no way for me to correct this information. On XX/XX/XXXX, I faxed the SSA letter, that I had previously emailed, to Elan. I also went to a Fidelity office, and they verified my identity using PA license, passport and XXXX XXXX XXXX. They also have a computer system to more securely verify my identity via a reading of my driver 's license. Fidelity sent a fax to Elan indicating that I am alive. I called Elan a 2nd time on XX/XX/XXXX, and I was told there is nothing they could do to help me with the incorrect information. On XX/XX/XXXX, I also spoke with representatives of XXXX Identityworks. They could not find any information indicating that I am deceased. It seems clear to me that the fraudulent financial charges I identified on XX/XX/XXXX are related to the identity fraud ( death ) that was reported by XX/XX/XXXX. It also seems to me that as a victim of identity fraud, I should be entitled to the source of the incorrect information so that I can correct it.

I have been dealing with the Deceased Support Department of Elan ( XXXX XXXX XXXX ). I am not permitted to see any of the transactions that have occurred on my account. While this fraud involves credit cards, I am more afraid that this incorrect information will be used to steal from my investment accounts and that it is imperative that the public information be corrected.

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