Consumer complaint received 2017-11-29
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:
This if my fifth complaint regarding inaccurate information being reported by XXXX XXXX XXXX with regards to my VA mortgage loan. This is my fifth complaint with regards of getting my credit report errors resolved as well attached copy of reporting by XXXX XXXX XXXX regarding my VA mortgage loan. 
I was in contact with both my personal bank, XXXX XXXX XXXX and XXXX XXXX I am attempting to work with regarding selling my home to a potential buyer. I was in contact with both banks mortgage department, loan office and underwriter. I was told that a forbearance plan works the same for any bank. Unless is it with regards to a disaster, hurricane, in which they would not have to report anything to the credit bureaus. However, I was told by both banks that they still have to report normal mortgage payments to the credit bureaus, even during the forbearance period. They also stated that yes, your current mortgage holder will reflect payments being late, whichever amount of time you are currently late on, to the credit bureaus. However, since this forbearance agreement is not related to a disaster, hurricane, all banks must still report normal mortgage payments being made. 
I am now in a situation where I have a potential buyer on hold due to as XXXX XXXX stated after looking at my credit report. XXXX XXXX XXXX must first fix the errors on your credit report, reflecting all payments being made that were made that reflect on the current paper trail I have in procession sent by XXXX XXXX XXXX to me, the consumer. 
I am attaching a copy of my credit report from XXXX. It clearly shows that XXXX XXXX is showing late payments reflecting the forbearance loan currently in process. However, they also show a payment of {$960.00}, regularly scheduled payment as shown on the report for XX/XX/XXXX. The payment on the check was for {$960.00} which shows the continued incorrect reporting by XXXX XXXX XXXX. Also noted on report clearly shows payment was received on XX/XX/XXXX, but no amount reported. XXXX XXXX XXXX states it takes 60 days to start reporting payments, once they took the account over in XX/XX/XXXX. Which means XX/XX/XXXX payment should had been posted and reported no later than XX/XX/XXXX. I am also requesting a 'CORRECT ' remaining balance currently on my VA mortgage loan. All three credit bureaus show 3 different balances. This makes selling my home impossible until XXXX XXXX XXXX fixes the errors on my credit report. 
Lastly, on this fifth complaint, I am requesting that my FICO score gets reinstated. 
I was told by both XXXX XXXX XXXX and XXXX XXXX  mortgage department that there is no reason your current VA loan mortgage holder should had not already fixed the errors and corrected the necessary payments that should had already been reported. Until it is fixed on my credit report, they can not properly match the paper trail that is being left by XXXX XXXX XXXX. A paper trail that clearly shows payments that are being made on my VA mortgage loan. 
Payment history should reflect XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being paid. I have copies of those cashed checks by my personal bank. The months that should show reported past due are as follows : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have already paid on my forbearance plan long enough that it should show XX/XX/XXXX now paid in full.

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