Mortgage -- Incorrect information on your report -- Complaint #4976072
Complaint Overview
Complaint ID: 4976072
Company: U.S. Bancorp
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Illinois
ZIP Code: 60660
Date Received: 2021-12-05T12:00:00-05:00
Date Sent to Company: 2021-12-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, I part took in the US BANKS forbearance program for about 12 months until I was no longer in financial hardship. I notified the bank and I was given the option to modify the loan which I have done so and I'm actively making payments since contractual signing. The issue that's occurring is my XXXX score is showing serious delinquency ( 60 days past due or greater ) derogatory indicator on my account. This is not accurate. I have made all payments in cooperation with the forbearance program, on time and current. I have called XXXX, XXXX, and XXXX. They all confirmed I do not have an account in this standing and were unable to help file a dispute. I have received hard copy credit reports to confirm. I also called USBank and they confirmed they are not reporting any negative marks on my credit. This issue has caused me to be denied credit lines recently and it dropped my XXXX score by about XXXX points. My credit report is at 18 % utilization and current, yet it's being damaged by this derogatory mark. If this is a result of the forbearance, my credit is protected under the cares act, and they are to report the account as current, not delinquent.
Frequently Asked Questions
What is Complaint #4976072 about?
Complaint #4976072 was filed against U.S. Bancorp regarding Mortgage specifically about Incorrect information on your report. It was received by the CFPB on 2021-12-05T12:00:00-05:00.
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 (Mortgage) 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.