Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

I am writing to file a formal complaint against XXXX, XXXX, and XXXX, the consumer reporting agencies, for multiple violations of the Fair Credit Reporting Act ( FCRA ) and related regulations. These violations pertain to unauthorized sharing of my private information, lack of consent, failure to inform me of my rights, inaccurate reporting, and inadequate maintenance of reasonable procedures. 

As per FCRA Section 602 ( a ), consumer reporting agencies have the duty to handle consumer information with fairness, impartiality, and respect for privacy. However, XXXX, XXXX, and XXXX have failed to fulfill these obligations by sharing my nonpublic personal information without my explicit consent, as mandated by 15 USC 6801.

Moreover, under FCRA Section 604 ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports in accordance with written instructions from the consumer. However, the financial institutions - XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX BANK - along with XXXX, XXXX, and XXXX, have neither obtained my consent nor adhered to this requirement. 

Furthermore, FCRA Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to exercise nondisclosure options regarding the sharing of nonpublic personal information. However, the aforementioned financial institutions failed to provide me with an explanation of this right, thus denying me the opportunity to protect my privacy. 

Additionally, FCRA Section 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items in consumer reports without authorization. Yet, the inquiries from USAA FEDERAL SAVINGS BANK, XXXX XXXX XXXX, XXXX XXXX TX, XXXX on XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX NM, XXXX on XX/XX/XXXX and FIRST XXXX BANK, XXXX XXXX XXXX Texas XXXX, XXXX TX, XXXX on XX/XX/XXXX, are adverse items reported without my consent, constituting a violation of the law. I demand the immediate removal of these unauthorized accounts and inquiries from my credit report. 

Moreover, XXXX, XXXX, and XXXX have reported inaccurate, non-mailable, and non-receivable addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX NM, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NM, XXXX. I demand the removal of all variations of these addresses from my credit report. 

Furthermore, the XXXX XXXX XXXX  account ( XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX ) XXXX opened on XX/XX/XXXX, is inaccurate and violates 20 U.S. Code 1232g ( b ). XXXX, XXXX, and XXXX are also failing to maintain reasonable procedures, as mandated by FCRA Section 1681e, resulting in inaccurate reporting.

I demand the immediate removal of these inaccurate accounts and any variations from my credit report. Additionally, under 12 CFR 1016.7, I am exercising my right to opt out of the inaccurate reporting services currently furnishing my credit report. 

Thank you for your attention to this matter. I anticipate a prompt investigation and resolution of this complaint.