Consumer complaint received 2018-07-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I had a credit report pulled by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. XXXX. An account that we have been trying to get straight with USAA and the credit bureaus since last XX/XX/XXXX, with numerous attempts including a prior CFPB complaint, is still showing negative information, including late payments, even though this account was discharged in CH XXXX bankruptcy in XXXX of XXXX. Credit accounts that are discharged and released in bankruptcy are not supposed to show any past due payments or negative information. I previously complained about this with CFPB and the company responded that it was fixed, but apparently it is not. Here is the prior complaint # from XX/XX/XXXX : XXXX about USAA FEDERAL SAVINGS BANK. My previous complaint was against XXXX  as much as USAA as I think USAA has properly notified XXXX, but I think XXXX  is refusing to fix it or it is due to Equifax incompetence. XXXX still shows this item in dispute on this report, however I have not disputed any items with XXXX  since XXXX of XXXX, so all prior disputes should have been resolved by now. This extends way beyond the legal limits of time that XXXX  can keep a dispute open and unresolved. It has been in dispute for almost 1 year. XXXX  needs to find out what data repository this errant record is in and get it fixed. It is interesting that XXXX shows one thing to the consumer on the consumer report, and then when someone pulls my credit different information is displayed. How deceptive. I do not fault USAA as I feel they contacted XXXX  in XXXX of XXXX to correct the record however I feel that XXXX  did not fully correct the records in all their data repositories and so USAA needs to contact the higher ups and their inside connections at XXXX  and make sure this is taken care of. I will re-pull a credit report with CBJ to make sure it is done, once all the parties respond and tell me this has been fixed. I have been trying to get our credit records straight since XXXX of XXXX, almost 1 year. XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX, XXXX. I have pasted below what the record reads on the credit report and have attached the actual report. It should not say " consumer investigation in process '' 1 year after the dispute was filed. This is in violation of credit laws. Disputes are supposed to be resolved within a certain time frame or I can file a complaint with the Federal Trade Commission. If I were USAA, I would not want to deal with these liabilities and I would just have these records removed from our file to avoid future complaints and fines especially considering the time limit for them to be reported is coming up anyway ( 7 years ) or may have already arrived. These records are almost 7 years old I think as of XX/XX/XXXX, maybe they are already. We are just a few months away, please just remove them from our file. I do not recall if this was a joint account but if it was, please fix my wife 's record as well, XXXX XXXX XXXX. 

USAA FSB XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX ECOA Opened Last Activity Closed Reported Credit Limit High Credit Individual XX/XX/XXXX XX/XX/XXXX XXXX Account Type Collateral Terms Reported On Maximum Delinquency Manner of Payment Revolving XXXX Included in Chapter XX/XX/XXXX 13 ( R07 ) Months Reviewed 32 30-59 Days Late 1 Time 60-89 Days Late 1 Time 90+ Days Late 6 Times Comment CONSUMER DISPUTES_REINVESTIGATION IN PROGRESS / ACCOUNT INVOLVED IN CHAPTER XXXX DEBT XXXX  *

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