Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8362633
Complaint Overview
Complaint ID: 8362633
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: Rhode Island
ZIP Code: 02908
Date Received: 2024-02-16T12:00:00-05:00
Date Sent to Company: 2024-02-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I initiated communication with USAA Federal Savings Bank by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter, two documents providing opt-out laws and their definitions, and a copy of the account details and reporting from all three reporting agencies, USAA credit card agreement to show they have arbitration in their agreement as well as their arbitration instructions document. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.
Frequently Asked Questions
What is Complaint #8362633 about?
Complaint #8362633 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 2024-02-16T12:00:00-05:00.
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.