Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XXXX Washington, D.C. XXXX Subject : Formal Complaint Regarding Inaccurate and Unsubstantiated Late Payments and Consumer Credit Violations To Whom It May Concern : I am writing to formally dispute and file a complaint regarding multiple inaccurate, misleading, and unsubstantiated late payments reported by USAA and XXXX XXXX  on my credit reports maintained by XXXX, XXXX, and XXXX. I believe these reporting actions are in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), as well as other applicable consumer protection regulations. 
Disputes : XXXXUSAA XX/XX/XXXX Late Payment I was reported as late for the billing cycle of XX/XX/XXXX. However, I have documentation from USAA proving that the payment was made and cleared. I have requested, and received, a printout confirming my account was in good standing. Despite this, the inaccurate delinquency remains on my credit file. 
XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX Late Payments XXXX XXXX  has repeatedly reported late payments in XX/XX/XXXX and XX/XX/XXXX. I have contacted XXXX on multiple occasionsmore than four timesrequesting that a specialist provide confirmation of the payment method, date, and documentation of the alleged delinquencies. To date, they have failed to provide any substantiating evidence. 
Credit Bureau Discrepancies : Furthermore, I am deeply concerned that my credit score differs significantly across the three major credit bureaus, with TransUnion showing the lowest score. This breach of accuracy and consistency undermines the intent of the FCRA, which mandates that consumer credit reporting agencies furnish data that is fair, accurate, and equitable to the consumer. 
Federal Law Violations : FCRA, 15 U.S.C. 1681i ( a ) Mandates reinvestigation of disputed information within 30 days. 
FCRA, 15 U.S.C. 1681s-2 ( b ) Requires furnishers of information ( such as USAA and XXXX ) to investigate and correct inaccurate data when notified. 
FCRA, 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. 
Despite my best efforts, including filing a complaint through the appropriate channels and with the Federal Trade Commission ( FTC ) over a year ago, this matter has not been resolved. These inaccuracies continue to adversely affect my credit standing and ability to access financial opportunities. 
Request for Immediate Action : I demand immediate reinvestigation and removal of the inaccurate derogatory remarks from USAA ( XX/XX/XXXX ) and XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ). 
I also request the harmonization of my credit score across XXXX, XXXX, and XXXX, in accordance with applicable credit scoring fairness practices. 
Please notify me once the investigation is complete and provide a written explanation of your findings. 
This letter serves as a formal complaint and request for corrective action. Please consider this my consent to investigate the matter with the reporting entities and furnishers involved.

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 non-monetary relief