Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6784760
Complaint Overview
Complaint ID: 6784760
Company: U.S. Bancorp
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report
State: Virginia
ZIP Code: 201XX
Date Received: 2023-04-02T12:00:00-05:00
Date Sent to Company: 2023-04-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a complaint against US Bank regarding their inaccurate reporting of my credit card information to XXXX and their failure to correct it in a timely manner. This issue has caused significant financial harm to me, as the missing account information has negatively impacted my credit score and potentially affected my ability to obtain credit. On XX/XX/2023, my US Bank account information was deleted from XXXX, leaving me with only one credit card account, which negatively impacted my credit score. On XX/XX/2023, I immediately reported this issue to US Bank and requested that they correct the issue and report the account accurately to XXXX. However, US Bank has not taken any corrective action within the 30-day deadline ( reported XX/XX/2023 ), as required by the Fair Credit Reporting Act ( FCRA ). This is a serious violation of the FCRA and has caused me significant financial harm. Today, US Bank account information is still entirely missing from XXXX. At the same time, this US Bank account does exists on XXXX and XXXX. Keep in mind that US Bank company policy is " Report to all 3 credit bureaus EVERY MONTH for all credit card customers. '' My account should be reported as well just like everyone else. But still missing on XXXX no matter how many times I contact US Bank. I was told by US Bank " everything is reported accurately. '' each single time I contacted US Bank about this issue. I reported to US Bank in accuracy and even showed XXXX and XXXX Report showing my account information. US Bank ignored my dispute. As per the FCRA, it is the responsibility of credit card companies to investigate any disputes and to correct or delete any inaccurate, incomplete information within 30 days. US Bank has failed to comply with this law and has returned the dispute with unfixed, incorrect information, which does not count as a resolution.
Frequently Asked Questions
What is Complaint #6784760 about?
Complaint #6784760 was filed against U.S. Bancorp regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-04-02T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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, credit repair services, 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.