Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13330977
Complaint Overview
Complaint ID: 13330977
Company: U.S. Bancorp
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 94588
Date Received: 2025-05-04T12:00:00-05:00
Date Sent to Company: 2025-05-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XX/XX/XXXXXX/XX/XXXX XXXX US Bank Creditor , corporationXX/XX/XXXXXXXX. They are reporting an accurate information on XX/XX/XXXX I dispute the validity of the debt of both accounts. Im requesting validation made pursuant to the fair debt collection practices act Please note that I am requesting validation that is competent evidence, bearing my signature showing that I have or ever had some contractual obligation to pay you FDCPA~807 15 SC 1962 e therefore, if you can not validate that you must request that all credit reporting agencies delete the entry failure to respond in 30 days of this certified letter with the CFPB and XX/XX/XXXX will result in small claims legal action 15 USC 1681 5~2 a1Aa FCRA as defined by IRS the IRS considers a charge off to be income either as gross or ordinary income like this doesnt belong on a credit report so this information on XX/XX/XXXXXXXX XXXXXX/XX/XXXX is in accurate and unlawful pertaining to the FCRA
Frequently Asked Questions
What is Complaint #13330977 about?
Complaint #13330977 was filed against U.S. Bancorp regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-04T12:00:00-05:00.
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.