Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15156623
Complaint Overview
Complaint ID: 15156623
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: Florida
ZIP Code: 34471
Date Received: 2025-08-07T12:00:00-05:00
Date Sent to Company: 2025-08-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX ( via XXXX XXXX ) Re : Complaint Against USAA Federal Savings Bank for Inaccurate Credit Reporting on Account # XXXX Dear CFPB : I am filing a complaint against USAA Federal Savings Bank for furnishing inaccurate, incomplete, and misleading information on my account # XXXX, as reported on my Equifax credit report dated XX/XX/XXXX, and potentially to Experian and TransUnion. Despite over XXXX disputes since XXXX, USAA has failed to correct these errors, violating the Fair Credit Reporting Act ( FCRA ) and Florida Consumer Collection Practices Act ( FCCPA ). Inaccuracies include : - No payment history reported for XXXX XXXX, despite account opening on XX/XX/XXXX, rendering the history incomplete. - Date of First Delinquency ( DOFD ) listed as XX/XX/XXXX, but an on-time payment reported for XX/XX/XXXX, which is contradictory. - No 30-day or 180-day late reported, skipping required delinquency progression per Metro-2 guidelines. - " No data '' reported for XX/XX/XXXX, creating an incomplete history. - Repeated " charge-off '' reporting from XX/XX/XXXX to XX/XX/XXXX, improper as charge-off status should be fixed unless updated. - On-time payments reported from XX/XX/XXXX to XX/XX/XXXX, impossible post-charge-off in XX/XX/XXXX. - Date of last payment reported as XX/XX/XXXX in records but XX/XX/XXXX on the credit report, conflicting with XXXX. These errors have caused significant harm : a XXXX FICO score, multiple credit denials, higher interest rates, $ XXXX in mitigation costs ( e.g., credit monitoring ), and emotional distress ( anxiety, sleep loss ). USAAs failure to investigate or correct these verifiable inaccuracies violates FCRA 611, 623 and FCCPA 559.72. I demand USAA investigate, delete this unverifiable tradeline from all CRAs ( Equifax, Experian, TransUnion ), and provide documentation ( e.g., account statements, payment ledgers ) to substantiate their reporting. I am mailing a detailed dispute to USAA via certified mail on XX/XX/XXXX. Please ensure USAA complies promptly to mitigate further harm. Attachments ( via portal ) : Drivers license, social security card, proof of address, relevant Equifax credit report pages.
Frequently Asked Questions
What is Complaint #15156623 about?
Complaint #15156623 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 2025-08-07T12:00:00-05:00.
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.