Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was married in XXXX and filed for divorce in XXXX. In XXXX, I was able to move to my own location, and my attorney had been trying to get my ex to provide financial documentation that was being withheld. Since I had my own place, I was finally able to order my credit report and it didn't get intercepted. 

Upon reviewing my credit report with my attorney, SEVERAL accounts were revealed that I did not authorize or apply for. I filed no power of attorney, I have not been deemed incompetent by a court or otherwise under any kind of guardianship. As soon as possible, I started contacting every creditor/bank that I did not open ( about XXXX total ). In every event the person I spoke with advised me that the email address and phone number that opened the account was NOT mine. I have had the same email address since XXXX, and the same phone number since XXXX, yet none of the accounts were opened with that information. Every disputed account was created after both of those dates. I never knew of their existence. 

I gave every company updated contact information to try to report and resolve the situation directly. Upon reporting this fraudulent activity, most of those accounts were sold/assigned to debt collectors. I responded to each of the debt collectors and in almost every instance, I would get a letter from them saying that they investigated and would be no longer continuing with collection efforts. A few months later, I would get contacted by some new collections company that had gotten the debt. My nightmare would start all over, until they " investigated '' and would cease further collection efforts. 

I had one company file a lawsuit in a XXXX XXXX, but after the judge ordered XXXX, and the company agreed, they tried to object to the XXXX order and provided NO account creation/contract documentation. All they would provide was a billing statement. USAA in particular even sent documentation belonging to some completely different account with someone else 's name and contact information. I hired an attorney on one case, and the plaintiff dropped the lawsuit. I can not keep affording an attorney on each and every one of these cases, especially for them to just drop the suit without me getting a document compelling the removal from my credit report. 

I have been dealing with this nightmare since XXXX now, I am a XXXX XXXXXXXX XXXX and this has impacted my job and threatened my XXXX. This has prevented me, a XXXX XXXX, from being able to stop renting and purchase a home. I have tried reporting this Identity theft to multiple agencies without anyone writing a report or issuing a case number. I do not disclose that I'm a XXXX  XXXX or XXXX XXXX  to try to obtain special treatment, but moreover to show that I know how difficult actually getting a report with some agencies can be when you're not covered in XXXX XXXX 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