Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, PA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Information on My Credit Report Subject : Formal Dispute of Inaccurate and Unverifiable Information on My Credit Report My Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern : This letter serves as a formal dispute of inaccurate, unverifiable, and improperly reported information on my credit report. I am exercising my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I demand a prompt and reasonable reinvestigation of these items and their immediate removal from my credit report. 

Below are the specific accounts I am disputing : 1. U.S. BANK ( Account ending in XXXX  ) This account 's reporting contains significant and contradictory information, violating the FCRA 's requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). The report simultaneously lists the account status as " Paid '' with a {$0.00} balance and as " Charged off '' with an outstanding balance. Furthermore, the " Date Reported '' of XX/XX/XXXX is inconsistent with the " Date of Last Activity '' of XX/XX/XXXX. This raises concerns of illegal re-aging of the account, which violates 15 U.S.C. 1681c. I demand that this inaccurate and unverifiable information be deleted from my credit file, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

XXXX. XXXX XXXX ( Account ending in XXXX  ) This account shows contradictory information, violating 15 U.S.C. 1681e ( b ). My report lists a payment history of " 100 % on-time payments, '' yet also contains a derogatory mark for a late payment. The status is inconsistently reported as " Paid, Closed/Never late '' while also showing a late payment. These contradictions demonstrate a failure to maintain accurate records. 

XXXX. XXXX XXXX ( Account ending in XXXX ) The reporting for this account contains multiple inaccuracies. The highest balance is listed as {$410.00}, which is a clear factual error given the credit limit of {$300.00}. This is a violation of 15 U.S.C. 1681e ( b ). Additionally, late payments were reported without providing the legally required 21-day notice, which violates my rights under the Billing Error Resolution procedures of the Truth in Lending Act, specifically 15 U.S. Code 1666 ( b ). I demand the removal of all late payment marks and the correction of the highest balance. 

XXXX. XXXX XXXX XXXX ( Account ending in XXXX  ) - Collection This collection account, with a balance of {$130.00}, violates the Fair Debt Collection Practices Act. I did not receive a proper validation notice as required by 15 U.S.C. 1692g. As this debt was not properly validated and reported, it is a misleading representation in violation of 15 U.S.C. 1692e. I demand the immediate and permanent deletion of this collection account. 

XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) This auto loan account was closed and paid in full, yet the payment history shows late payments that were reported without the legally required 21-day notice. This reporting is inaccurate and violates my consumer rights under 15 U.S. Code 1666 ( b ). I demand the immediate removal of all late payment marks.

6. Dispute of Inaccurate Addresses : My credit report lists multiple historical addresses that are no longer current. This is a violation of 15 U.S.C. 1681e ( b ). I demand the deletion of all addresses from my credit file except for my current, verified address, as listed above.

Demands : I demand that you : Conduct a reasonable and thorough reinvestigation of each item listed above, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Delete all derogatory and inaccurate information from my credit report, including all late payments and the XXXX collection account, as they were not reported in accordance with federal law. Take off all old addresses Provide me with an updated credit report reflecting these changes and a written response detailing the results of your reinvestigation. 

Reference to CFPB Action on Improper Dispute Investigations : I am aware of the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against Equifax for its " failure to conduct proper investigations of consumer disputes. '' The CFPB found that Equifax ignored consumer documents, allowed inaccuracies to be reinserted into credit reports, and used flawed software. This action, which resulted in a {$15.00} XXXX civil penalty, highlights a systemic failure to comply with the FCRA 's dispute resolution requirements. I expect my dispute to be handled with the utmost diligence, as any failure to do so would demonstrate a continued pattern of illegal behavior.

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