Debt collection -- Attempts to collect debt not owed -- Complaint #17887402
Complaint Overview
Complaint ID: 17887402
Company: United Services Automobile Association
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Texas
ZIP Code: 77065
Date Received: 2025-11-24T12:00:00-05:00
Date Sent to Company: 2025-11-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My personal information was stolen during a vehicle break-in that I reported to law enforcement on XX/XX/year> ( Police Report # XXXX ). A duffle bag containing my wallet, computer, and multiple identifying and financial documents was taken from my vehicle. In the report, I stated I was willing to prosecute. After this theft, fraudulent accounts began appearing on my credit reports over the years. One of those fraudulent accounts is the one I am disputing here. I did not open, authorize, or apply for this account at any time. The dates the account was opened and the balances reported to the credit bureaus are consistent with the period after my identity was stolen. For years, I have submitted identity theft disputes, FTC identity theft reports, and supporting documentation to the companies involved and the credit bureaus. Despite this, the fraudulent account continues to be reported or reinserted without proper verification, certification, or evidence. I have never been shown an application, signature, IP address, usage history, or any documentation proving I opened the account. This is part of the ongoing identity theft that began after the XXXX incident, and I am requesting CFPB assistance because the company continues to report a fraudulent account in violation of federal law despite repeated disputes.
Frequently Asked Questions
What is Complaint #17887402 about?
Complaint #17887402 was filed against United Services Automobile Association regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-24T12:00:00-05:00.
How did United Services Automobile Association 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 (Debt collection) 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.