Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18536019
USAA Accused of Improper Credit Report Use
Complaint Overview
Complaint ID: 18536019
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: Reporting company used your report improperly
State: Georgia
ZIP Code: 31024
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2026-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the complaint was closed with an explanation, suggesting a resolution or clarification was provided.
Consumer Sentiment: neutral
Topics: Credit reporting, Improper use of report
AI Analysis
CFPB complaint 18536019 was filed against UNITED SERVICES AUTOMOBILE ASSOCIATION regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer reported that United Services Automobile Association (USAA) improperly used their credit report, leading to a closed-with-explanation resolution. The complaint was received on November 30, 2025 from Georgia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all interactions and communications with credit reporting agencies and financial institutions.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the permissible uses of consumer reports and requires reporting companies to follow specific procedures.
Regulatory Insight
This case highlights the importance of adherence to FCRA guidelines regarding the proper use and disclosure of consumer credit information.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Georgia, consumers have rights under state and federal laws to ensure the accuracy and proper use of their credit reports.
Industry Comparison
Improper use of credit reports is a recurring issue across the financial services industry, affecting various institutions.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18536019 about?
CFPB complaint 18536019 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against UNITED SERVICES AUTOMOBILE ASSOCIATION on November 30, 2025.
Which company is complaint 18536019 filed against?
Complaint 18536019 was filed against UNITED SERVICES AUTOMOBILE ASSOCIATION. You can view all complaints against this company on their profile page at /company/united-services-automobile-association.
What was the company's response to complaint 18536019?
UNITED SERVICES AUTOMOBILE ASSOCIATION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18536019 filed?
Complaint 18536019 was received by the CFPB on November 30, 2025. It was sent to UNITED SERVICES AUTOMOBILE ASSOCIATION on January 7, 2026.
What state was complaint 18536019 filed from?
Complaint 18536019 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 18536019?
Dispute information is not available for complaint 18536019.
What product category is complaint 18536019 about?
Complaint 18536019 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 18536019 submitted?
Complaint 18536019 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18536019?
The Fair Credit Reporting Act (FCRA) governs the permissible uses of consumer reports and requires reporting companies to follow specific procedures. This relates to a Credit reporting or other personal consumer reports complaint against UNITED SERVICES AUTOMOBILE ASSOCIATION involving "Improper use of your report".
How likely is complaint 18536019 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18536019?
This complaint is rated as low risk. The risk is low as the complaint was closed with an explanation, suggesting a resolution or clarification was provided.
What regulatory actions apply to complaint 18536019?
This case highlights the importance of adherence to FCRA guidelines regarding the proper use and disclosure of consumer credit information. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 18536019?
Consumers should keep detailed records of all interactions and communications with credit reporting agencies and financial institutions.
Are there state-specific protections for complaint 18536019?
In Georgia, consumers have rights under state and federal laws to ensure the accuracy and proper use of their credit reports. This complaint was filed from Georgia.
How does complaint 18536019 compare to industry norms?
Improper use of credit reports is a recurring issue across the financial services industry, affecting various institutions.
What specific explanation was provided by USAA to resolve the improper use claim?
The provided data does not specify the exact explanation given by USAA. Typically, such explanations involve clarifying the permissible purpose for accessing the report or correcting any identified errors.
Under what circumstances can a credit reporting agency be considered to have used a report improperly?
A report is used improperly if it's accessed without a permissible purpose, such as for employment, credit, insurance, or other legally defined reasons, or if the information is used in a discriminatory manner.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.