Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: TX

Complaint narrative:
Dear TransUnion Dispute Resolution Department, I am writing to formally dispute inaccurate information appearing on my credit report, which I believe to be the result of identity theft. This is a serious matter, and I expect immediate action as required by the Fair Credit Reporting Act ( FCRA ).

Per Section 605B of the FCRA, you are required to block and remove any information from my credit report that is determined to be fraudulent or derived from identity theft upon proper documentation. The specific fraudulent account ( s ) and/or inquiry ( ies ) I am disputing are as follows : [ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ELAN FINL SVCSXXXX XXXX XXXX U.S. BANK NATIONAL ASSOCIATION D/B/A ELAN FINL SVCS/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information does not belong to me , was created as a result of identity theft, and is therefore inaccurate. To support my claim, I am providing the following : 1. A copy of my Identity Theft Report filed with [ Law Enforcement Agency ] on [ Date ] ( report attached ).

2. A copy of my government-issued identification ( drivers license/passport ).

3. Proof of address ( utility bill, lease, etc. ).

4. Additional evidence, if applicable. 
Under FCRA Section 605B, XXXX is required to act within four business days to block the disputed items from my report once sufficient proof has been provided. I demand that you comply with this federal law without delay. If XXXX fails to fulfill its legal obligations, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorneys general. 
Please confirm in writing that the fraudulent accounts have been permanently blocked and removed from my credit report. If you require additional information or documentation, you may contact me directly at XXXX or XXXX. 
I expect confirmation of receipt of this dispute and a resolution within the legally mandated time frame. 
Sincerely, XXXX XXXX Enclosures XXXX Copy of Identity Theft Report Copy of ID Proof of Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Request for Deletion of Fraudulent Information Under FCRA Section 605B Dear XXXX Dispute Resolution Department, I am writing to formally dispute inaccurate information appearing on my credit report, which I believe to be the result of identity theft. This is a serious matter, and I expect immediate action as required by the Fair Credit Reporting Act ( FCRA ).

Per Section 605B of the FCRA, you are required to block and remove any information from my credit report that is determined to be fraudulent or derived from identity theft upon proper documentation. The specific fraudulent account ( XXXX ) and/or inquiry ( XXXX ) XXXX am disputing are as follows : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ] [ ELAN FINL SVCSXXXX XXXX XXXX U.S. BANK NATIONAL ASSOCIATION D/B/A ELAN FINL SVCS/ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This information does not belong to me , was created as a result of identity theft, and is therefore inaccurate. To support my claim, I am providing the following : 1. A copy of my Identity Theft Report filed with [ Law Enforcement Agency ] on [ Date ] ( report attached ).

2. A copy of my government-issued identification ( drivers license/passport ).

3. Proof of address ( utility bill, lease, etc. ).

4. Additional evidence, if applicable.

Under FCRA Section 605B, XXXX is required to act within four business days to block the disputed items from my report once sufficient proof has been provided. I demand that you comply with this federal law without delay. If XXXX fails to fulfill its legal obligations, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorneys general. 
Please confirm in writing that the fraudulent accounts have been permanently blocked and removed from my credit report. If you require additional information or documentation, you XXXX contact me directly at XXXX or XXXX. 
I expect confirmation of receipt of this dispute and a resolution within the legally mandated time frame. 
Sincerely, XXXX XXXX Enclosures XXXX Copy of Identity Theft Report Copy of ID Proof of Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Urgent Request for Deletion of Fraudulent Information Under FCRA Section 605B Dear XXXX Dispute XXXX Department XXXX I am writing to formally dispute inaccurate information appearing on my credit report, which I believe to be the result of identity theft. This is a serious matter, and I expect immediate action as required by the Fair Credit Reporting Act ( FCRA ).

Per Section 605B of the FCRA, you are required to block and remove any information from my credit report that is determined to be fraudulent or derived from identity theft upon proper documentation. The specific fraudulent account ( XXXX ) and/or inquiry ( ies ) I am disputing are as follows : [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ ELAN FINL SVCSXXXX XXXX XXXX U.S. BANK NATIONAL ASSOCIATION D/B/A ELAN FINL SVCS/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information does not belong to me , was created as a result of identity theft, and is therefore inaccurate. To support my claim, I am providing the following : 1. A copy of my Identity Theft Report filed with [ Law Enforcement Agency ] on [ Date ] ( report attached ).

2. A copy of my government-issued identification ( drivers license/passport ).

3. Proof of address ( utility bill, lease, etc. ).

4. Additional evidence, if applicable.

Under FCRA Section 605B, XXXX is required to act within four business days to block the disputed items from my report once sufficient proof has been provided. I demand that you comply with this federal law without delay. If XXXX fails to fulfill its legal obligations, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorneys general. 
Please confirm in writing that the fraudulent accounts have been permanently blocked and removed from my credit report. If you require additional information or documentation, you may contact me directly at XXXX or XXXX. 
I expect confirmation of receipt of this dispute and a resolution within the legally mandated time frame. 
Sincerely, XXXX XXXX Enclosures XXXX Copy of Identity Theft Report Copy of ID Proof of Address

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