Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: CT

Complaint narrative:
NEW ISSUE FCRA XXXX ( XXXX ), XXXX, XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) ( XXXX ), ( a ) ( XXXX ), ( a ) ( XXXX ), XXXX ( b ) ; XXXX XXXX ( XXXXXX/XX/XXXX XXXX & App. XXXX ) ;XX/XX/XXXXXXXX XXXX. XXXX, XXXX ) I have requested information each time Ive opened these complaints : Requested : FCRA XXXX ( XXXX ) records : applications/signatures ; statements + itemized transactions ; device/IP/login logs ; call recordings ; contact-change history ; internal investigation file ; XX/XX/XXXX furnished to each CRA ; furnish logs since XXXX ; any reinsertion certification and XXXXday notice. 

I am an identity-theft victim. I have provided my FTC Identity Theft Report and government ID. My ex-husband ( XX/XX/XXXX-year marriage ) had full access to my PII ; that fact does not negate identity theft or ELANs duties under the FCRA. 

New facts ( not in prior complaints ) : XXXX XX/XX/XXXX : Equifax removed/zeroed the ELAN tradeline XXXX 
XX/XX/XXXX :XX/XX/XXXX shows ELAN FINANCIAL SERVICE updated to charged off with ~ {$1600.00} past due and {$1400.00} written off, last payment XX/XX/XXXX, account closed at credit grantors request ( information disputed by consumer ). My score fell XXXX points. 
Inter-bureau mismatch : Equifax has no ELAN tradeline ;XX/XX/XXXX ( and/or XX/XX/XXXX) still report it. 
ELAN sent a verified/validated response citing my personal data ( which my abuser knows ). That is not a reasonable investigation under XXXX ( b ) and does not satisfy XXXX ( XXXX ). 

Violations : XXXX. XXXX ( XXXX ) I demanded the actual account/transaction records for the disputed use ; ELAN has not produced them within XX/XX/XXXX days : original application ( XXXX ) and signatures, monthly statements and itemized transactions for the disputed period, device/IP/login logs, call recordings, address/phone/email change history, internal investigation notes, the XX/XX/XXXXfurnished to each XX/XX/XXXX and a log of each furnish toXX/XX/XXXX since XXXX. 
XXXX. XXXX ( a ) ( XXXX ), ( a ) ( XXXX ), ( a ) ( XXXX ), and XXXX ( b ) ELAN is furnishing inaccurate/incomplete data, failing to correct across XX/XX/XXXX, risking re-aging of the reporting period, and issuing boilerplate verification rather than a reasonable investigation with evidence. 
XXXX. XXXX ( a ) ( XXXX ) ( B ) After prior correction/zeroing, the tradeline appears to have been reinserted/re-reported ; I received no XXXXday reinsertion notice and no certification of accuracy sent to theXX/XX/XXXX 
XXXX. XXXX Because I submitted an identity-theft report, the XX/XX/XXXX must block the identity-theft information within XXXX business days. ELANs continued furnishing frustrates this statutory block. 
XXXX. XXXX XXXX ( XXXXXX/XX/XXXXXXXX & App. XXXX ) ELANs accuracy/integrity controls appear deficient given the inter-bureau inconsistency and re-reporting after prior correction. 
XXXX. XXXX ( XXXX XXXX. XXXX, XXXX ) The conduct causes substantial, unavoidable injury ( credit score suppression, denials ) and is not outweighed by benefits.

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