Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
This complaint involves XXXX  Credit Report. On XX/XX/2020, XXXX lowered my credit score by 36 points. According to the report issued via XXXX XXXX, who used the XXXX Report, there were five changes to my XXXX Report : 1. XXXX XXXX Reports 2 Payments Made on Time. 2. USAA Savings Bank added the following remarks to my account : Charged Off Account. Account Closed By Credit Grantor. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. USAA and XXXX  have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the USAA CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 3. XXXX XXXX added remarks that Consumer disputes after resolution. XXXX XXXX has not conducted a legitimate investigation into my complaint and on several occasions changed the dates they claimed I was late on my auto loan. The auto loan was never late and I continue to dispute the report. 4. USAA Savings Bank added the following remarks to my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. USAA and XXXX  have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the USAA CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 5. USAA Savings Bank removed the following remarks from my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. USAA and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the USAA CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 6. XXXX XXXX XXXX XXXX continues to report negatively on my credit reports and refuses to conduct a legitimate investigation. Because they wasted so much time, there is no way to prosecute the fraudulent actors, meanwhile, XXXX continues to fraudulently report negatively on my report. 


It is clear to see that XXXX, XXXX XXXX, and USAA Savings Bank are deliberately manipulating the credit reports and negatively impacting my XXXX Credit Report and ability to purchase a home. For instance, my score dropped 36 points over a change in the narrative but has not gone up since paying off nearing {$2000.00} to XXXX XXXX XXXX. 
XXXX is also under-reporting the average age of my credit. I have a 99 % on-time payment, 15 % Credit card utilization, 0 Derogatory Remarks in Collections or Public Record, 7 Hard Inquiries which I have repeatedly disputed as unauthorized and XXXX has done nothing but refer me to the creditor. The responsibility is upon XXXX to report accurate information and to demand strict proof when I file a complaint or dispute. 
On information and belief, it is public knowledge that XXXX, XXXX XXXX, and USAA are corrupt and manipulate scores to fraudulently inflate the cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation