Consumer complaint received 2021-08-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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 am completely appalled and disgusted at the fact that your company is willing reporting unverifiable and inaccurate information on my credit report even after the alleged account was disputed multiple times. There is a alleged charged off account that has been reporting inaccurately since the time the alleged account was charged off. That you have been reporting that the alleged account was charged off in XXXX of XXXX, and as we all know charged off accounts must show a CLOSED status seeing as you never sold the account to a collection agency. For 2 yrs this alleged account was showing a charged off CLOSED status up until XX/XX/XXXX where for some reason you decided to report that the alleged account was OPEN causing my credit score to drop 145 points because I " MISSED '' a payment in the month of XX/XX/XXXX on a CHARGED OFF ACCOUNT that is supposed to be showing a CLOSED status but for some reason is now showing a OPEN status on my XXXX  credit report and only my XXXX  credit report. I disputed this account on XXXX XXXX XXXX and on XX/XX/XXXX the dispute immediately showed they had closed the account back but it has not updated on my credit report But Left me with a MISSED Payment on a supposed to be closed charge off account for the month of XX/XX/XXXX.Since XX/XX/XXXX you have been reporting inaccurate information for this account, inaccurate being the balances across all bureaus that you seem to switch every 2 months by adding or decreasing {$860.00} causing my credit score to fluctuate damaging my ability to use my credit, or the balance history which is always been incorrect. or even the last payment date that is incorrect as of now on all 3 major bureaus. There are tons of wrong information across all bureaus on this account, but for some strange reason you keep reporting that the information is indeed correct even after my disputes which you knowingly violate 15 U.S. Code 1681s2 a ( 1 ) ( A ) and 15 U.S. Code 1681s2 B.as well as violating numerous of other federal laws. you willfully report that the information is correct even when you know it is not even after being told it isn't correct month after month which is a federal violation. And because I know this account is non complaint to Metro 2 formatting as well, I'm evoking my right as a consumer and demanding you remove this charged off account and the missed payment for XX/XX/XXXX not update remove from my credit reports on all bureaus and pay the invoice that I have attached with your violations in pursuant to the FCRA. if my demands are not met I will have no choice but to sue for your constant and negligent inaccurate reporting and FCRA and fdcpa violations, as well as your violation for not being Metro 2 complaint with this account and fraud for reporting information you know isn't mine or correct. I have attached documents as evidence showing your incorrect reporting on all my credit reports as well as the missed payment for XX/XX/XXXX on a Supposed to be closed but currently open status charge off account that has further damaged my credit score. you will be receiving formal letters in the mail via certified mail with my invoice these documents attached and my dispute. I will also be leaving a terrible review on the XXXX XXXX XXXX and attaching a copy of this complaint to my attorney generals office.

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