Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: OR

Complaint narrative:
I am writing to formally complaint inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. After reviewing my credit reports, I discovered upon comparing my reports from XXXX, XXXX, and XXXX. The information being reported is inconsistent between the credit bureaus and, I believe, violates the requirements of accuracy and completeness under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



The inaccuracies are as follows : Payment history and amount past due on XX/XX/XXXX : XXXX reported as 150 days past due XXXX reported as 150 days past due {$1100.00} XXXX reported as 120 days past due {$1500.00} The information being reported is inconsistent between the credit bureaus. The payment history reported by XXXX, XXXX, and XXXX for the same account differs, this indicates an error or failure to maintain accurate and consistent records. This considered a violation of the FCRA if it leads to inaccurate or misleading information on my credit report. If one credit bureau reports my payment history differently than another, it misrepresents my creditworthiness. This inconsistency could negatively affect my credit score, which violates the FCRAs emphasis on accuracy and fairness. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishers of credit information ( e.g., lenders, creditors ) are prohibited from providing inaccurate or incomplete information to credit reporting agencies. 

Also, this account was opened in XXXX by my husband, whom I married in XXXX. While we share a joint checking account, I have never been a co-signer, joint account holder, or authorized user on this credit card. I did not sign any documentation authorizing this account, and its reporting under my credit profile violates the Fair Credit Reporting Act ( FCRA ). 

I disputed this credit report with XXXX and XXXX, but the result was The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. US bank refused to delete the account and failed to proper investigate the accuracy of the account. 

FCRA Violations 1.Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) : The FCRA mandates that credit reporting agencies maintain maximum possible accuracy. Reporting this account under my name is inaccurate and unsupported by any legal or factual evidence. 

2.Failure to Verify Consumer Liability ( 15 U.S.C. 1681i ) : If this account has been disputed before, the failure to conduct a thorough reinvestigation and verify my liability constitutes a violation of FCRA standards. 

3.Misrepresentation of Consumer Liability ( 15 U.S.C. 1681s-2 ( a ) ) : Furnishers like US Bank  are prohibited from misrepresenting a consumers responsibility for an account. I am not legally liable for this credit card as I never signed or agreed to any terms. 

4.Failure to Provide Evidence of Authorization ( 15 U.S.C. 1681g ) : I demand that US Bank provide documentation demonstrating my signature or consent to be a co-signer or joint account holder on this credit card. Without such evidence, this account must be removed from my credit report. 

5.Reporting Without Permissible Purpose ( 15 U.S.C. 1681b ) : Reporting this account on my credit file without my consent or any legal obligation violates permissible purpose requirements under the FCRA. 

Actions Requested : 1. I demand that US Bank provide documentation demonstrating my signature or consent to be a co-signer or joint account holder on this credit card. Without such evidence, this account must be removed from my credit report. 

2. I request that you investigate this matter and delete the charged-off account from my credit report, as I am not liable for the debt. 

3. Conduct a reasonable reinvestigation of the disputed information within 30 days. 

4. Notify the source of the information and verify its accuracy and completeness. 

If the information is found to be inaccurate, incomplete, or unverifiable, you are required to delete it from my credit report. Furthermore, updating inaccurate or unverifiable information without proper validation would constitute a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits the reporting of false or misleading information. 



Sincerely,

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