Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17979300
Complaint Overview
Complaint ID: 17979300
Company: United Services Automobile Association
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Maryland
ZIP Code: 21740
Date Received: 2025-11-20T12:00:00-05:00
Date Sent to Company: 2025-11-20T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
USAA FSB Inaccurate Late Payment Reporting USAA is reporting multiple late payments for XXXX on my active credit card account. These late payments are not accurate and can not be verified, yet the credit bureaus continue to report them. I requested verification from the bureaus under the Fair Credit Reporting Act ( FCRA 1681i ), which requires creditors to provide documentation proving the accuracy of each late payment entry. USAA has failed to provide any documentation showing : actual due dates the dates my payments were received proof of delinquency notifications billing records or statements Despite the lack of verification, the bureaus are continuing to report these late payments, which violates FCRA requirements for accurate, verified, and complete reporting. I am requesting CFPB assistance in requiring USAA and the credit bureaus to provide full verification or delete all inaccurate late payments from my credit files. Harm Caused These inaccurate negative marks are severely damaging my credit score, affecting my ability to obtain housing and essential services. I am simply requesting fair, accurate credit reporting as required by federal law. Requested Resolution : Remove all unverifiable late payments reported by USAA. Remove the XXXX XXXX charge-off if they can not provide complete, accurate verification. Ensure all credit bureaus update my files accordingly. Thank you for your assistance.
Frequently Asked Questions
What is Complaint #17979300 about?
Complaint #17979300 was filed against United Services Automobile Association regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-20T12:00:00-05:00.
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 (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.