Consumer complaint received 2017-06-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
There are at least   XXXX   negative accounts on each  XXXX  of  XXXX  credit reports that I have with   XXXX   and  XXXX . I have   XXXX   with  XXXX . After reaching out several times to all  XXXX  bureaus about these items that were fraudulent on my reports, they in turn reached out to each creditor ( so they say ) with my concern. Within days, my reports came back as verified and accurate. I have requested from credit bureaus as well as all creditors involved to provide me with my handwritten and/or electronic signature as proof that I am the one who opened the accounts per FCRA guidelines. NEITHER companies will comply and is in direct violation of the law. I have compiled my police report that TU told me to get this year, ID Theft Affidavit ( dtd as far back as last year ) showing the accounts were not mine, as well as justified staff opinion letters, and a notarized item letter to address each account in question. All of my legal documents were ignored, and discarded. The credit bureaus/creditors still have not been able to provide me with proper documentation of my signature so that I may move forward in a civil suit against the perpetrator who has used my name and identification fraudulently. That is the main reason why I need this information, but since the companies have failed to provide me with it, now they are in direct violation. According to FCRA sect 6 ( b ) guidelines- Consumer 's signature must be provided as identification method for an account to be declared verified. If it can not be, the report must be fixed to reflect the deletion of the item permanently from the report. Be advised that if there is no resolution to this case, I will be including these companies in my lawsuit as well.The following creditors are in question : USAA- ( cert letter sent  XXXX / XXXX /17 ) listed   XXXX   times on  XXXX  report,  XXXX  times on  XXXX  report, and  XXXX  time on  XXXX - all different account numbers. This company has failed to even respond back to my request for the legal contract with my signature.
  XXXX   XXXX  - ( cert letter sent  XXXX / XXXX /17 ) listed on  XXXX  and  XXXX  report- responded back with ID theft affidavit/police report which I in turn sent back to them ( still awaiting their response )   XXXX   XXXX  - listed on  XXXX / XXXX  report- ( cert letter sent  XXXX / XXXX /17 ) responded back without providing legal signature of signed contract. Mysteriously sold the account to an unknown company thereafter. BE IT KNOWN that I shall have no dealings with third party debt collectors, only said original creditors that are listed on my report per FCRA guidelines.
  XXXX   XXXX   aka   XXXX   XXXX  - listed on  XXXX / XXXX  report- ( cert letter sent  XXXX / XXXX /17 ) responded back with a " typed name '' and using that as my signature. This is unacceptable and does not fit the requirements listed in the terms of the FCRA.
 XXXX - listed on  XXXX / XXXX  report- ( cert letter sent  XXXX / XXXX /17 ) responded back with no valid signature on file for me. Just a " clickable dot '' that was suppose to confirm my signature. They quoted the E-Sign act in which this case would not be applicable having had my identity stolen. As we all know, anybody from any computer can do that. Requested MY ACTUAL signature IAW FCRA and they have not responded back.
 XXXX - listed on my  XXXX / XXXX  report- ( cert letter sent  XXXX / XXXX /17 ) failed to respond back within allotted 30 day requirement.
  XXXX   XXXX   XXXX  - listed on my  XXXX / XXXX  report- ( cert letter sent  XXXX / XXXX /17 ) failed to respond back within allotted 30 day requirement.
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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation