Consumer complaint received 2019-06-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
USAA has been incorrectly reporting the balance of a prior loan on my credit report in the amount of {$8400.00}. They have been reporting the incorrect amount owed. Plenty of notices have been sent to them to dispute this issue and they have still not corrected this. Reporting false information, which in this case is misrepresenting the amount owed on a loan, a violation of FDCPA. Also, they translated that misinformation to a 1099-C. The loan balance that they have been reflecting on statements for over a year now is {$8300.00}. Filed a FDCPA complaint on XX/XX/2019 and received a response XX/XX/2019. In that response, they noted that XXXX XXXX spoke with me regarding this matter. That is incorrect. We spoke regarding a separate complaint regarding my credit card and trying to have the late fees waived. No one from USAA has reached out to me regarding this matter and they are falsifying communication records between them and myself with their last statement to the FDCPA for complaint # XXXX. I attempted to email XXXX XXXX on XX/XX/2019 as well as this evening. 
USAA is continuing to report false information. 

They changed my payment history on this account after three years on my XXXX report on XX/XX/2019. Also, my complaint submitted XX/XX/2019 # XXXX has inaccuracies in their response. Their representative XXXX XXXX did not contact me about two CFPB disputes. On XX/XX/2019 she contacted me solely about my closed credit card account and the dispute related to that account. This account and the corresponding dispute was not mentioned. Also, they advised to contact XXXX XXXX, but I have already tried on multiple occasions with no success. 


On XX/XX/2019, XX/XX/2019 and XX/XX/2019 I emailed USAA to complain about XXXX XXXX reporting to the CFPB that she contacted me regarding the account when in fact she did not. They have yet to respond. The call that took place on XX/XX/2019 needs to be pulled so they can see that XXXX XXXX blatantly lied in her original response to the CFPB on XX/XX/2019. The email included XXXX XXXX, XXXX XXXX and XXXX XXXX. On XX/XX/2019 XXXX XXXX sent me a communication via the USAA application with his direct extension, XXXX. On XX/XX/2019 I responded asking for a good time to call. On XX/XX/2019 XXXX XXXX responded with his office hours. On XX/XX/2019 I called, left a voicemail, as well as sent a message via the application. On XX/XX/2019 I called, left another voicemail and sent another message via the application. On XX/XX/2019 XXXX XXXX responded that he was out of the office when I had contacted him previously and will return XX/XX/2019 at XXXX a.m. On XX/XX/2019 I sent a follow-up message on the application. On XX/XX/2019 I called, left a voicemail and sent another message on the application. Not once did I receive a call from XXXX XXXX or any other representative of USAA for this previous dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation