Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
To Whom It May Concern : I am writing as a consumer to file a formal direct dispute of the information you are furnishing about my auto loan account to XXXX  and any other consumer reporting agencies. 
Account Being Disputed Creditor/Furnisher : USAA Federal Savings Bank Account Type : Auto Loan Account Number : XXXX Date Opened ( as you are reporting ) : XX/XX/XXXX Date Closed/Status Updated ( as you are reporting ) : XX/XX/XXXX Current Status : Closed / Paid Bureaus reporting ( at minimum ) : XXXX  Item in dispute : XXXX late payment notation and related payment history Nature of the Dispute My XXXX  report shows this account as Closed / Paid but also indicates XXXX late payment in the summary without clearly and accurately identifying : the exact date of the alleged delinquency, the degree of delinquency ( XXXX. ), and complete, consistent payment history supporting that claim. 
This is misleading and incomplete. I dispute that I was properly XXXX or more days past due in the manner you are implying, and I dispute the accuracy, completeness, and integrity of the late-payment notation and any related derogatory coding being furnished on this account.

Under FCRA 623 ( a ), as a furnisher you are required to report information with accuracy and integrity, and to promptly correct or delete any information that you know or reasonably should know is inaccurate or incomplete.

Under FCRA 623 ( a ) ( 8 ) and 623 ( b ), when you receive a direct dispute and/or notice of dispute from a consumer reporting agency, you must : XXXX. Conduct a reasonable investigation, XXXX Review all relevant information provided by the consumer, XXXX. Report the results of the investigation back to the consumer, and XXXX. Correct or delete any information found to be inaccurate, incomplete, or unverifiable with all consumer reporting agencies to which you furnished it. 
Further, the industrys XXXX XXXX standards which your trade lines must follow provide that any deviation from these standards jeopardizes the integrity of the data, which lines up with the FCRAs requirement that information be reported with maximum possible accuracy and completeness. 
By reporting this account as Closed/ Paid while simultaneously attaching an undefined and unsupported XXXX late payment indicator and/or incomplete payment history, you are furnishing information that is at minimum misleading and not fully accurate or complete. 
My Demand I am demanding that you : XXXX. Conduct a full, documented investigation of this account and the alleged late payment, including review of : The original retail installment contract / promissory note, Complete internal payment history ( with dates posted, amounts, and any grace periods ), All internal collection notes and coding sent to XXXX  and any other CRAs. 
XXXX. Provide me with written verification that clearly identifies : The exact date ( XXXX ) of any alleged late payment ( XXXX ), The specific delinquency status you claim ( XXXX, XXXX, XXXX, etc. ), How those dates and statuses were calculated under your policies and XXXX XXXX guidelines. 
XXXX. If you can not fully verify the alleged delinquency to a standard of maximum possible accuracy, completeness, and integrity, then you must : Delete any late-payment notation and derogatory payment history, and Either update the account to reflect never late/ paid as agreed or, in the alternative, request full deletion of the entire tradeline from XXXX XXXX XXXX and any other consumer reporting agencies to which you furnish information. 
Legal Notice and Reservation of Rights If you fail to conduct a reasonable investigation, fail to correct or delete inaccurate or incomplete data, or continue to furnish information that is not fully accurate and complete, that may constitute willful or negligent noncompliance with the FCRA, including but not limited to 616 and 617, which provide for actual, statutory, and punitive damages, as well as attorneys fees and costs. 
If you choose to continue reporting this derogatory information without proper verification and correction, I may consider : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and any applicable banking regulator ; and Consulting with a licensed consumer attorney to explore all available remedies. 
Response Required Please mail your written investigation results and explanation, along with copies of any documents you relied on, to the address above within XXXX  days of your receipt of this letter. 
I expect your investigation and any continued reporting on this account to fully comply with the FCRA, your XXXX XXXX obligations, and all applicable XXXX  and XXXX  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