Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18046977
Complaint Overview
Complaint ID: 18046977
Company: United Services Automobile Association
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Delaware
ZIP Code: 19805
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am submitting this complaint to dispute all unauthorized and improper hard inquiries placed on my credit report I did not apply for credit or authorize a hard pull or soft pull of my credit report with the companies listed below on the dates provided. These unauthorized hard inquiries violate the Fair Credit Reporting Act ( FCRA ) by constituting an improper use of my consumer report. The specific unauthorized inquiries I am disputing are : XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XXXX XXXX, XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX & XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX On XX/XX/XXXX I formally request that the companies listed above investigate this matter, confirm that I did not authorize these credit applications, and immediately notify all three Credit Reporting Agencies ( XXXX, XXXX, and XXXX to delete these hard inquiries from my credit file.
Frequently Asked Questions
What is Complaint #18046977 about?
Complaint #18046977 was filed against United Services Automobile Association regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
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.