Consumer complaint received 2025-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX Negative Account ( from your Experian report ) Account Type : Credit Builder / Installment Status : Charge-Off Original Balance : {$160.00} Terms : 4 months Monthly Payment : {$20.00} Opened : XX/XX/XXXX Date of Status : XX/XX/XXXX Payment History : Marked Paid on XX/XX/XXXX every single month which is factually impossible and a major FCRA violation Last Updated : XX/XX/XXXX ( inconsistent with the charge-off date ) This account shows severe reporting errors, missing data fields, duplicate payment entries, and contradictions that make it unverifiable and non-compliant under FCRA 602, 607 ( b ), 609 ( a ), 611, and 623 ( a ) ( 1 ) ( A ).

USAA Federal Savings Bank Auto Loan Type : Auto Loan Balance Charged Off : {$8900.00} Status : Charge-Off Scheduled Payment : {$510.00} Past Due Amount at Charge-Off : {$2300.00} Terms : 72 months Opened : XX/XX/XXXX Annual Percentage Rate : 8.59 % Last Reported : Per Experian employer data set Payment History : Multiple severe delinquencies and expected internal inaccuracies I will now generate your aggressive, legally forceful dispute letter using : The strongest applicable laws : FCRA 602 Consumer Protection & Accuracy Requirement FCRA 607 ( b ) Maximum Possible Accuracy Rule FCRA 611 Right to Reinvestigation & Method of Verification FCRA 609 ( a ) ( 1 ) Right to Source Documentation FCRA 623 ( a ) ( 1 ) ( A ) Furnishers Can not Report Known Inaccuracies XXXX  XXXX XXXX / XXXX XXXX XXXX NO personal information included fully clean template ) Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute Request for Permanent Deletion XXXX XXXX XXXX / XXXX Collection Account FCRA 602, 607 ( b ), 609 ( a ), 611, 623 ( a ) ( 1 ) ( A ) To Whom It May Concern : I am disputing the XXXX XXXX XXXX XXXX account allegedly associated with ShopHQ. This account contains unverified, incomplete, inconsistent, and inaccurate information, and therefore must be permanently removed from my credit file.

Documented FCRA Violations 1. FCRA 607 ( b ) Maximum Possible Accuracy Standard The account lacks complete creditor data, itemization, and verifiable reporting fields.

2. FCRA 609 ( a ) ( 1 ) Right to Source Documentation No original contract, signed agreement, or chain of ownership has been provided.

3. FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Prohibited From Reporting Unverified Information XXXX can not legally report this debt without proving accuracy and ownership.

4. FCRA 611 Duty to Reinvestigate I dispute this account in its entiretyonly original documents from the creditor may be used to verify it.

Requested Action I am requesting the permanent deletion of this account under FCRA 611 ( a ) ( 5 ) ( A ), as the reporting is unverifiable and inaccurate.

Please also provide my Method of Verification in accordance with FCRA 611 ( a ) ( 7 ). 

Sincerely, XXXX XXXX / XXXX Collection ( NO personal details included ) Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute Request for Permanent Deletion XXXX XXXX XXXX XXXX Collection Account FCRA 602, 607 ( b ), 609 ( a ), 611, 623 ( a ) ( 1 ) ( A ) To Whom It May Concern : I am disputing the XXXX XXXX XXXX account allegedly associated with XXXX The reporting contains multiple inaccuracies, missing information, and unverifiable data, violating the Fair Credit Reporting Act. 

Documented FCRA Violations 1. FCRA 609 ( a ) ( 1 ) Right to Source Documentation No original creditor documentation, billing records, or legally sufficient validation has been provided.

2. FCRA 607 ( b ) Maximum Possible Accuracy The account contains incomplete fields and unverifiable reporting inconsistencies.

3. FCRA 623 ( a ) ( 1 ) ( A ) Prohibition on Reporting Unverified Accounts A furnished debt can not be reported without proof of ownership, validity, and accuracy.

4. FCRA 611 Right to Reinvestigation I dispute this account in its entirety and demand full reinvestigation. 

Requested Action Because XXXX can not prove the accuracy and legitimacy of this alleged debt, I am requesting permanent deletion of this account under FCRA 611 ( a ) ( 5 ) ( A ).

Provide my Method of Verification upon completion.

Sincerely,

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