Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TO : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureau Disputes XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  XXXX RE : CEASE AND DESIST DEMAND UNDER FCRA & FDCPA Accounts Number Ending in : XXXX & XXXX To Whom It May Concern, This letter serves as a formal and final demand that you immediately cease and desist all credit reporting and collection activity related to the charged-off credit card accounts ending in XXXX and XXXX, which has been disputed as unauthorized and unverifiable. You are knowingly and illegally furnishing this derogatory information to XXXX XXXX XXXX XXXX, despite having no legal obligation to report a charged-off account, especially one without my consent, authorization, or verified debt validation. 
You are operating in violation of multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., through the continued and willful furnishing of disputed and unverified information to credit reporting agencies.

Legal Violations Include : FCRA 1681s-2 ( a ) prohibits reporting information with knowledge of its inaccuracy.

FCRA 1681s-2 ( b ) requires full investigation of disputes and removal of unverifiable accounts.

FDCPA 1692e ( 8 ) prohibits reporting false or disputed credit information without appropriate disclosure.

FDCPA 1692c ( c ) mandates that, upon request, all further collection communication must stop. 
You are not legally obligated to report charged-off debt to any credit bureau. You are choosing to do so voluntarily, and that reporting must be accurate, fully validated, and lawfully permitted. In this case, you have failed on all counts. You are damaging my credit report, infringing on my financial opportunities, and acting in bad faith by continuing to report a disputed, unverified, and non-consensual debt. 

IMMEDIATE DEMANDS : You are hereby instructed to do the following within 15 days of the date of this letter : 1. Permanently delete all tradelines and records related to account # XXXX and # XXXX from XXXX XXXX XXXX XXXX ; 2. Cease all collection activity, phone calls, letters, or third-party outreach regarding this account ; 3. Provide me with written confirmation that this account has been marked fraudulent, invalid, and uncollectible ; 4. Ensure all internal systems reflect this account as disputed and closed. 

NOTICE OF INTENT TO PURSUE REMEDIES : Failure to comply will result in immediate complaints filed with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies directly Furthermore, I reserve the right to initiate civil litigation for violations of the FCRA and FDCPA, seeking statutory damages, actual damages, injunctive relief, and attorney 's fees. 
This is your final warning to comply with federal law. Any further reporting or collection attempts will be considered willful noncompliance and malicious harassment. Keep this letter on file as evidence of legal notice. 

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 non-monetary relief