If you believe a consumer report contains wrong information, you have options to dispute it.
- Contact the Consumer Reporting Agency (CRA) that made the report, such as:
- Send us a written request with the following information:
- Your full name, address, and phone number.
- Full account number and account type (e.g. credit card, personal loan, checking).
- Specific details of what you're disputing, including an explanation of why it's incorrect.
We'll also need copies of supporting documentation, such as:
- The relevant portion of your consumer report containing the alleged error.
- Monthly statements reflecting account activity.
- A police report or a fraud/identity theft affidavit.
When you're ready, refer to the table below to send the case to the correct team. Once received, we'll review the details and send a written response.
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Account type
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Contact information
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Checking and savings accounts
Reserve lines of credit
Personal loans
Auto, boat, and other vehicle loans
Vehicle leases
Home equity lines of credit (HELOC)
Home equity installment loans (HEIL)
Manufactured housing loans
Home mortgage loans
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Mail to:
U.S. Bank
Attn: Consumer Bureau Management Department
2800 Tamarack Rd
Owensboro, KY 4230
Phone: 844-624-8230 (credit)
800-365-7775 (mortgage)
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All consumer credit cards
Personal lines of credit
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Mail to:
Consumer Recovery Department
Attn: CBR Disputes
PO Box 108
St. Louis, MO 63166-0108 |
