Consumer complaint received 2018-07-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been dealing with errors that intentionally continue being falsely reported by XXXX/USAA regarding my VA mortgage loan that has stated over 18 months ago. Yet, more intentional discrepancies continue with even XXXX stating that FEMA has filed incorrect information with regards to A Natural Distaster being reported, FICO points once again being taken from my credit reporting scores. This has been going on for over 18 months, has caused serious stress for not just myself, but as well my wife. As of this past week. I am once again finding myself dealing with more intentional malicious reporting by XXXX/USAA, now using FEMA as the excuse per taped phone calls by XXXX when I called into their customer service number. 

I have attempted to resolve this issue with the lastest manager, XXXX via email, phone, taped conversations between Mr. XXXX, myself and XXXX on a three way conference call. Mr. XXXX stated that XXXX is not being honest because they are going off of limited information, yet XXXX   shows the same intentionally reporting incorrect information with regards to my VA mortgage loan over the past month. 

I have no other choice but to take my complaints further to resolve this serious matter and overwhelming stress this is causing me and my wife. XXXX/USAA also stated every time I have to seek a third party assistance with regards of serious attempts to have issues that have been going on over the past 18 months finally resolved with my VA mortgage loan ... A freeze is then put on my account. Retailation. That is also incorrect information as XXXX  Credit Report file that is from XXXX over the past month-week shows that XXXX/USAA has someone once again intentionally going into their computer, making more intentional discrepancies with regards to my VA mortgage loan. 

I have attempted, now going on another week to have more issues resolved, working with XXXX/USAA on the phone, but told that XXXX is not accurate with their information. Yet XXXX/USAA are the only ones who can make changes within my credit reporting. Not FEMA as they blame for their errors I was also told on a taped phone call last week with XXXX that FEMA made changes with my credit report by reporting a Natural Disaster that occurred within the past week. I am now going to bring in all parties so this can finally be resolved in a serious matter with regards to now additional intentional discrepancies made by XXXX/USAA. 

XXXX  does stick by their word with regards to the changes are being made by XXXX/USAA and soley, XXXX/USAA per taped phone conversation. They are as well sending me my file, copy of my full report via mail. 

I have, once again, attempted to work with XXXX/USAA with regards of the errors and as well the tremendous amount of stress this is causing me and my wife, a XXXX fighter. 

Our email will be as well filed along with the credit reporting bureau reports. 
I am once again, asking that my VA mortgage loan be corrected with all three credit bureaus. I am once again asking that now my FICO score be reinstated due to intentional discrepancies being reported by XXXX/USAA. 

I will not stop until this finally gets resolved. If this is happening to myself, with XXXX/USAA. It is most definitely happening to many other consumers that have a loan with USAA/XXXX. I have made a complaint this afternoon with the Federal Trade Commission, the state of Indiana Attorney General 's Office and FEMA. 

****Per the latest XXXX  representative, Manager, Mr. XXXX , I was told that XXXX has not reported anything with any of the three credit bureaus since XX/XX/2018. How then can XXXX, XXXX  and XXXX show otherwise with the Natural Disaster, FICO points being taken away and more intentional reporting? It shows last reporting by XXXX from XXXX, incorrect information, FICO score points being taken falsely taken away as of XX/XX/2018? ****

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