Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11317779
Complaint Overview
Complaint ID: 11317779
Company: United Services Automobile Association
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 78249
Date Received: 2024-12-29T12:00:00-05:00
Date Sent to Company: 2024-12-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
USAA is inaccurately reporting my account as charged-off and closed, yet it continues to display the account as having an unpaid balance of {$2800.00} and a delinquent status on my credit reports with XXXX, XXXX, and XXXX. This reporting is misleading and inconsistent with the legal definition of a charged-off debt. Additionally, USAA has refused to issue a Form 1099-C to document the cancellation of this debt, further complicating the situation. I filed a prior complaint ( XXXX ) with the CFPB about similar issues, but the investigation appears to have been incomplete. USAA continues to report inaccurate information, despite my requests for correction under the Fair Credit Reporting Act ( FCRA ). Actions I have taken : Contacted USAA directly to dispute the accounts inaccurate status, including their refusal to issue a Form 1099-C. Filed a previous complaint with the CFPB regarding this account. Actions taken by USAA : Refused to issue a Form 1099-C while still reporting the debt as charged off. Continued to report an unpaid balance and delinquent status on my credit report. This inaccurate reporting has significantly harmed my credit and financial standing, and I believe it violates both FCRA accuracy standards and 26 U.S. Code 6050P, which governs the reporting of canceled debts. I respectfully request a thorough investigation of this issue, as I believe the previous investigation did not fully address these concerns or result in a fair resolution.
Frequently Asked Questions
What is Complaint #11317779 about?
Complaint #11317779 was filed against United Services Automobile Association regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-12-29T12:00:00-05:00.
How did United Services Automobile Association 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 United Services Automobile Association?
Yes, visit the United Services Automobile Association company profile at readthecomplaint.com/company/united-services-automobile-association 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.