Consumer complaint received 2024-08-17 00:00:00
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
State: GA

Complaint narrative:
I am a Service XXXX XXXX XXXX War Veteran and have been a loyal USAA member since XXXX. I am filing a formal complaint against USAA and XXXX XXXX XXXX XXXX for their improper handling of my auto insurance policy renewal, which I believe involves violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. My auto insurance policy ( Policy Number : XXXX XXXX XXXX ) is currently active, and I have been making monthly payments leading up to its expiration on XX/XX/XXXX. On XX/XX/XXXX, I received a notice indicating that my policy was renewing. However, on XX/XX/XXXX, I unexpectedly received a non-renewal notice dated XX/XX/XXXX, postmarked XX/XX/XXXX, citing O.C.G.A. 33-24-45 ( e ) ( 3 ) ( H ), 33-24-45 ( e ) ( 3 ) ( h ), and 33-24-45 ( e ) ( 3 ) ( I ) related to incidents from XXXX  to XXXX. The notice stated that information from XXXX XXXX XXXX XXXX was used in making this decision. However, I had previously notified XXXX XXXX XXXX XXXX to cease and desist from reporting any information about me as a third-party. The use of this information by USAA and the failure of XXXX to comply with my cease and desist request may constitute violations of the FCRA, specifically 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ), 15 U.S.C. 1681c ( Requirements Relating to Information Contained in Consumer Reports ), and 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ). My policy includes Accident Forgiveness, which was not considered in this decision, and I had no prior indication that my renewal was at risk. This sudden non-renewal has caused significant financial harm and emotional distress, as I have been left scrambling to secure new insurance under duress. The non-renewal notice did not meet Georgia 's 30-day notice requirement, as it could not have been delivered in time to meet the deadline before the policys expiration on XX/XX/XXXX. Additionally, I had requested USAA to notify me online of any documents related to my policy, yet the non-renewal notice was not uploaded to the USAA system as of XX/XX/XXXX, raising concerns about transparency and compliance with federal regulations regarding credit reporting and consumer rights. I am seeking a thorough investigation into whether USAA 's decision was improperly influenced by information from XXXX and whether XXXX violated federal law by continuing to report information about me after I had issued a cease and desist request. I am also requesting substantial financial compensation from both USAA and XXXX for the harm caused, including out-of-pocket expenses, emotional distress, and punitive damages. I request that the CFPB take immediate action to investigate these practices and ensure compliance with all relevant consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation