Debt collection -- Attempts to collect debt not owed -- Complaint #18994126
Complaint Overview
Complaint ID: 18994126
Company: U.S. Bancorp
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Michigan
ZIP Code: 48213
Date Received: 2026-01-25T12:00:00-05:00
Date Sent to Company: 2026-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Im a Victim Of ID Theft I Was XXXX From XX/XX/XXXX Register Number XXXX Federal BOP XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Loan Type Credit Card From My 3 Credit Reports This Account Was Closed XX/XX/XXXX Elan Is Reporting This Card Was Paid And Used After XX/XX/XXXX Elan is inaccurately reporting XX/XX/XXXX a Balance Of XXXX $ With The Amount Paid as XXXX $ Which Is Inaccurate This Is Fraud I Did Not Use The Card Or Make The Payment The suspect is XXXX XXXX XXXX West Virginia XXXX Balance XXXX $ Amount Paid XXXX $ This Is Fraud and Inaccurately Reported As I Never Used This Card Or Made These Payments XX/XX/XXXX Balance XXXX $ Amount paid XXXX $ Past Due XXXX $ This Is all Fraud This Company Is Reporting And Inaccurate I was Already In Custody Of the United states Marshalls In West Virginia XX/XX/XXXX Balance XXXX $ Amount Paid XXXX $ Past Due XXXX $ This Is Fraud And Inaccurately Reported XX/XX/XXXX Balance XXXX $ Amount Paid XXXX $ Past Due XXXX $ XX/XX/XXXX Balance XXXX $ Amount Paid XXXX $ Past Due XXXX $ Which is Fraud And innaccurately Reported XX/XX/XXXX Balance XXXX $ Amount Paid XXXX $ Past Due XXXX $ Fraud And Inaccurately Reported Ive Reported This Information To XXXX XXXX XXXX And They All Failed To Provide Written Documentation Updating Me Under 15 USC 1681i FCRA And 605B FCRA Within 5 Business Days On why This Information Is Still Being Reported And They Are Aware I Was XXXX And Have all My Address Updates These Accounts Were In Collection Then Removed And Stayed On My Credit Reports XXXX XXXX XXXX without Written Notice With The 5 Business Days For Fraud Thats Reported My Credit I Have added Fraud Alerts On All My Reports And They Have Still Allowed Fraud In My Name XXXX XXXX XXXX My Civil Rights Have Been Violated By All 3 Consumer Reporting Agencies
Frequently Asked Questions
What is Complaint #18994126 about?
Complaint #18994126 was filed against U.S. Bancorp regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-01-25T12:00:00-05:00.
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 (Debt collection) 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.