Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/XXXX To : USAA Federal Savings Bank Attn : Credit Reporting Department XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Demand for Immediate Deletion of Fraudulent Account Reporting Title Forgery, FCRA Violations, Reaging Practices, and Financial Compensation Vehicle VIN : XXXX To Whom It May Concern, I am writing to demand the immediate and permanent removal of the tradeline associated with my name and vehicle from all consumer reporting agencies. This account, maintained and reported by USAA, is a fraudulent and materially inaccurate record stemming from unlawful activity, including forgery, misrepresentation of title life, reaging, and unlawful credit reporting, all in violation of multiple state and federal laws. 

Timeline of Illegal Activity and Title Manipulation : XX/XX/XXXX : The original title to my XXXX XXXX XXXX, VIN : XXXX, was issued by the Illinois Secretary of State showing no lienholder. I was and remain the lawful titleholder. 
XX/XX/XXXX : Over 150 days later, USAAor an affiliated agent acting on its behalfsubmitted a false affidavit to the Illinois Secretary of State, fraudulently claiming the original title was " lost, stolen, or mutilated. '' This deceit enabled a forged and unlawful corrected title to be issued naming USAA as lienholder. 
XX/XX/XXXX : After submitting proof of original ownership and exposing the forgery, the State of Illinois issued a third and corrected title, once again showing no lienholderaffirming the illegitimacy of USAAs prior filing. 
I have in my possession copies of all forged paperwork and false statements submitted by USAA ( or its agent ) to the Illinois Secretary of State, which were used to obtain the fraudulent title. I have also filed over 14 formal complaints with the Consumer Financial Protection Bureau ( CFPB ) concerning these unlawful actions, all of which are supported by documentary evidence currently on record.

Violations of Law : USAAs actions constitute clear and willful violations of the following laws : 720 ILCS 5/17-3 Forgery ( Illinois Criminal Code ) 625 ILCS 5/3-104 False affidavit or misrepresentation to the Secretary of State ( Illinois Vehicle Code ) 815 ILCS 505/2 Illinois Consumer Fraud and Deceptive Business Practices Act 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) FCRA : Reporting known inaccuracies 15 U.S.C. 1681s-2 ( b ) FCRA : Failure to investigate and correct disputed information 15 U.S.C. 1681e ( b ) FCRA : Failure to ensure maximum possible accuracy 15 U.S.C. 1681c ( a ) ( 4 ) FCRA : Reaging prohibited 15 U.S.C. 1681n / 1681o FCRA : Civil liability for willful and negligent violations 15 U.S.C. 1631, 1638 Truth in Lending Act : Failure to disclose actual credit structure In re Williams, 313 B.R. 398 ( Bankr. N.D. Ill. 2004 ) No perfected lien = No secured interest Formal Demands : Immediate and unconditional deletion of the USAA tradeline related to this vehicle from all credit reporting agencies ( XXXX, XXXX, XXXX, XXXX, XXXX, and any others ). 
Cessation of all future reporting or attempts to claim lienholder status on this vehicle.

Written confirmation within 15 calendar days of full compliance with these demands.

Demand for Financial Compensation : Due to the reckless, willful, and ongoing nature of USAAs misconductincluding forgery, reputational damage, violation of federal consumer protection statutes, and the significant emotional distress caused by false reporting and loss of vehicle useI hereby demand financial compensation in the amount of {$75000.00}.

This amount reflects the combined value of : Actual and statutory damages under FCRA and Illinois consumer fraud statutes Punitive damages for knowingly submitting falsified documentation Emotional distress, reputational harm, and time lost correcting your misconduct Unlawful interference with my property rights and credit standing If this matter is not resolved promptly, I will pursue all available legal and administrative remedies, including formal escalation of my existing CFPB complaints, direct complaints to the Illinois Attorney General, and the filing of a lawsuit in state or federal court. All certified records, copies of the original and corrected titles, falsified affidavits, and credit reports are preserved and will be submitted to authorities and legal counsel. 

Sincerely, XXXX XXXX XXXX XXXX Veteran XXXX

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