Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11163756
Complaint Overview
Complaint ID: 11163756
Company: U.S. Bancorp
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Georgia
ZIP Code: 303XX
Date Received: 2024-12-15T12:00:00-05:00
Date Sent to Company: 2024-12-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Elan Financial Services Compliance Department, Account # : XXXX This complaint serves as a formal notice of dispute regarding the inaccurate and unlawful reporting of a late payment on my credit report for the above-referenced open-end credit account. Your reporting directly violates federal consumer laws, including : 1. 15 U.S. Code 1666b Timing of Payments, under the Truth in Lending Act ( TILA ). 2. 15 U.S. Code 1681s-2 ( a ) Accuracy of information furnished to Consumer Reporting Agencies ( CRAs ) under the Fair Credit Reporting Act ( FCRA ). 3. 15 U.S. Code 1681c ( a ) Prohibition of reporting transactions or experiences that are excluded by law from my credit report.
Frequently Asked Questions
What is Complaint #11163756 about?
Complaint #11163756 was filed against U.S. Bancorp regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-15T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.