Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: IL

Complaint narrative:
Consumer ID : XXXX NATURE OF COMPLAINT This complaint concerns violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically regarding : Inaccurate Personal Identifying Information ( violation of 15 U.S.C. 1681e ( b ) ) Failure to Follow Reasonable Procedures to Assure Maximum Possible Accuracy ( violation of 15 U.S.C. 1681e ( b ) ) Disputed Account Abuse Report from U.S. Bank XXXX  ( violation of 15 U.S.C. 1681i ) DETAILED STATEMENT OF FACTS I. INACCURATE PERSONAL INFORMATION XXXX  ' consumer report dated XX/XX/XXXX contains multiple material inaccuracies in my personal identifying information : A. Incorrect Name Variations XXXX  lists the following names : " XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; '' DISPUTE : The name " XXXX XXXX '' does not belong to me and has never been associated with me. This is a clear case of mixed files or erroneous data aggregation. 
LEGAL BASIS : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy '' of consumer reports. The inclusion of " XXXX XXXX '' demonstrates XXXX  ' failure to maintain reasonable procedures to prevent file mixing, which is a direct violation of the FCRA. 
CASE LAW SUPPORT : Guimond v. Trans Union Credit Info. Co., 45 F.3d 1329, 1333 ( 9th Cir. 1995 ) - holding that a consumer reporting agency violates 1681e ( b ) when it fails to follow reasonable procedures, resulting in inaccurate information. 
B. Incorrect and Duplicate Addresses XXXX  lists the following addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( duplicate ) DISPUTE : These addresses in XXXX XXXX XXXX XXXX  are NOT my addresses and have never been associated with me. My only valid address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These duplicate, incorrect addresses must be permanently deleted. 
LEGAL BASIS : The inclusion of addresses I have never resided at violates 15 U.S.C. 1681e ( b ) and creates a substantial risk of identity theft and file mixing. Furthermore, the duplication of the same erroneous address demonstrates systematic procedural failures.

CASE LAW SUPPORT : Sepulvado v. CSC Credit Servs., Inc. , 158 F.3d 890, 895 ( 5th Cir. 1998 ) - stating that inaccurate addresses in consumer reports can constitute a violation of the FCRA 's accuracy requirements. 
C. Incorrect Telephone Number XXXX  lists : XXXX DISPUTE : This telephone number has NEVER belonged to me. I have never used, owned, or been associated with this phone number. 
LEGAL BASIS : 15 U.S.C. 1681e ( b ). The inclusion of a phone number that doesn't belong to me demonstrates negligent procedures and exposes me to potential harassment and privacy violations. 
D. Incorrect Email Address XXXX  lists : XXXX DISPUTE : This email address has NEVER belonged to me. I have never created, used, or been associated with this email account. 
LEGAL BASIS : 15 U.S.C. 1681e ( b ). This inaccurate email address suggests possible identity theft, file mixing, or data furnisher errors that XXXX  failed to verify. 

II. DISPUTED ACCOUNT ABUSE REPORT Source of Information : U.S. Bank XXXX Report Code : XXXX Date Reported : XX/XX/XXXX Consumer Narrative : " CONSUMER DISPUTES- BELIEVES THIS ITEM IS INACCURATE OR INCOMPLETE. '' Reason Reported : ACCOUNT ABUSE Account Type : DEPOSIT ACCOUNT Closing Date : XX/XX/XXXX DISPUTE : I categorically dispute and deny this " account abuse '' report. I have NEVER abused any bank account, and this report is completely inaccurate, unverifiable, and defamatory. U.S. Bank XXXX has furnished false and misleading information to XXXX  without proper verification. 
Legal Violations and Demands A. FCRA 1681i - Dispute Procedures I previously disputed this item ( as evidenced by the Consumer Narrative on the report ), yet XXXX  has failed to conduct a reasonable investigation or delete this unverifiable information. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon notice of a dispute, XXXX must : Conduct a reasonable investigation Review all relevant information provided by the consumer Delete or modify inaccurate, incomplete, or unverifiable information within 30 days CASE LAW SUPPORT : Cushman v. Trans Union Corp., 115 F.3d 220, 225 ( 3d Cir. 1997 ) - holding that a " reasonable investigation '' requires more than simply relaying the consumer 's dispute to the data furnisher.

Johnson v. MBNA Am. Bank, 357 F.3d 426, 431 ( 4th Cir. 2004 ) - establishing that a CRA violates 1681i when it conducts only a cursory investigation. 

B. FCRA 1681e ( b ) - Accuracy Requirements XXXX  has failed to maintain reasonable procedures to assure maximum possible accuracy. The term " account abuse '' is vague, unsubstantiated, and lacks any specific factual basis. ChexSystems can not verify : What specific actions constituted " abuse '' Whether I was properly notified of any alleged violations Whether due process was provided before reporting Whether U.S. Bank had reasonable grounds for this characterization CASE LAW SUPPORT : Cahlin v. Gen. Motors Acceptance Corp., 936 F.2d 1151, 1156 ( 11th Cir. 1991 ) - holding that 1681e ( b ) requires CRAs to conduct a reasonable investigation before reporting information.

Philbin v. Trans Union Corp., 101 F.3d 957, 963 ( 3d Cir. 1996 ) - stating that a CRA may be liable when it reports information that it knows or should know is inaccurate. 

C. FCRA 1681s-2 ( b ) - Duties of Furnishers U.S. Bank XXXX , as a furnisher of information, violated its duties under 15 U.S.C. 1681s-2 ( b ) by : Failing to conduct a reasonable investigation of my dispute Continuing to report unverifiable and inaccurate information Failing to modify or delete the disputed information after investigation DAMAGES AND HARM SUFFERED As a result of XXXX  ' violations, I have suffered : Denial of Banking Services : I have been unable to open checking and savings accounts at financial institutions due to this false XXXX  report XXXX 
Emotional Distress : The false " account abuse '' designation has caused significant stress, anxiety, and reputational harm. 
Economic Harm : I have been forced to use costly check-cashing services and prepaid cards due to my inability to maintain a bank account. 
Privacy Violations : The inclusion of addresses, phone numbers, and email addresses that don't belong to me exposes me to identity theft and harassment.

Time and Resources : I have spent considerable time attempting to correct these errors without success.

LEGAL DEMANDS Pursuant to the Fair Credit Reporting Act, I demand that XXXX  immediately : 1. DELETE ALL INACCURATE PERSONAL INFORMATION Remove " XXXX XXXX '' from my file entirely Delete both XXXX XXXX XXXX, XXXX addresses permanently Delete telephone number XXXX Delete email address XXXX 2. DELETE THE U.S. BANK " ACCOUNT ABUSE '' REPORT The " account abuse '' report from U.S. Bank XXXX must be permanently deleted as it is : Unverifiable Inaccurate Defamatory Based on disputed and unsubstantiated claims 3. PROVIDE WRITTEN CONFIRMATION XXXX  must provide written confirmation of all deletions and corrections within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

4. FURNISH CORRECTED REPORT XXXX  must furnish a corrected consumer report to any entity that received the inaccurate report within the preceding six months ( or two years for employment purposes ), pursuant to 15 U.S.C. 1681i ( d ).

5. IMPLEMENT REASONABLE PROCEDURES XXXX must implement and document reasonable procedures to prevent future occurrences of file mixing and inaccurate reporting. 

STATUTORY REMEDIES SOUGHT I reserve all rights under the FCRA, including but not limited to : 15 U.S.C. 1681n - Willful noncompliance : Actual damages, statutory damages of {$100.00} to {$1000.00}, punitive damages, costs, and attorney 's fees 15 U.S.C. 1681o - Negligent noncompliance : Actual damages, costs, and attorney 's fees 15 U.S.C. 1681i ( a ) - Failure to reinvestigate : Deletion of unverified information SUPPORTING DOCUMENTATION Enclosed/Attached : Copy of XXXX  Consumer Report dated XX/XX/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 explanation