Consumer complaint received 2026-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am filing a complaint against U.S. Bank regarding their refusal to report my active mortgage to the credit bureaus. Their stated reason is that my bankruptcy prevents them from reporting the loan. This is factually and legally incorrect, and their refusal is causing significant harm to my credit profile. Summary of the Issue U.S. Bank stopped reporting my mortgage to the credit bureaus and now states : They can not report the mortgage There is no appeal They can not reinstate reporting Bankruptcy prevents them from reporting However, my mortgage was never included in my bankruptcy case, and U.S. Bank continued accepting payments throughout the entire period. There is no legal prohibition preventing them from reporting my mortgage. Evidence That My Mortgage Was Not Included in Bankruptcy Attached is my Chapter XXXX discharge order from the XXXX XXXX XXXX, XXXX XXXX XXXX Washington ( Case No. XXXX XXXX BDL ). The discharge order clearly states : a creditor with a lien may enforce a claim against the debtors property subject to that lien unless the lien was avoided or eliminated. This confirms : My mortgage lien survived bankruptcy The mortgage was not XXXX The mortgage was not included in the bankruptcy schedules U.S. Bank was legally permitted to continue servicing and reporting the mortgage Bankruptcy law does not prevent reporting of an active, non XXXX mortgage XXXX Banks claim that bankruptcy prevents reporting is incorrect. Evidence of Continuous Mortgage Payments I am attaching XXXX documents showing uninterrupted mortgage payments : XXXX. XXXX Banks own mortgage payment history ( XXXX ) Examples include : XXXX XXXX XXXX XXXX XXXX {$1200.00} Principal {$300.00} Interest {$340.00} Escrow {$590.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} Principal {$280.00} Interest {$360.00} Escrow {$740.00} These entries show the loan remained active, current, and serviced normally. XXXX. My checking account register ( XXXX ) Examples include : XX/XX/XXXX ACH W/D : US BANK HOME MTG XX/XX/XXXX US Bank XXXX Home : Mortgage XX/XX/XXXX US Bank XXXX Home : Mortgage This shows continuous automatic withdrawals for over XXXX years, including during and after bankruptcy. Together, these documents prove : The mortgage was active before bankruptcy The mortgage remained active during bankruptcy The mortgage remained active after bankruptcy U.S. Bank continued withdrawing payments normally There was never a legal or operational barrier to reporting Why This Matters U.S. Banks refusal to report my mortgage : Removes XXXX years of positive payment history from my credit report Leaves all negative items intact Significantly lowers my credit score Damages my ability to qualify for future loans Misrepresents my true creditworthiness Is based on an incorrect interpretation of bankruptcy law This is causing real financial harm. Requested Resolution I respectfully request XXXX of the following : XXXX. Reinstatement of normal credit reporting U.S. Bank should resume reporting my mortgage to all credit bureaus. XXXX. Transfer of servicing If U.S. Bank refuses to report the mortgage, I request that the loan be transferred to a servicer who will report it accurately. XXXX. Written explanation U.S. Bank should provide a written explanation citing the specific law or regulation they believe prevents them from reporting an active, non XXXX mortgage. They have stated verbally that a letter will be mailed in 10 days, but I have not yet received it. Attachments U.S. Bank Mortgage Payment History ( XXXX ) Checking Account Register Showing Mortgage Payments ( XXXX ) Chapter XXXX Bankruptcy Discharge Order ( Case No. XXXX XXXX BDL )

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