Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Ongoing Violations of 15 U.S.C. 1666 and 1666a Failure to Address Billing Errors and Reporting Violations To Whom It May Concern : I am writing to formally address USAAs repeated failure to respond to my concerns regarding a consumer credit transaction, which has been the subject of eight ( 8 ) complaints filed with the Consumer Financial Protection Bureau ( CFPB ), dating back to XX/XX/year>. 

USAA is in clear violation of 15 U.S.C. 1666 ( Correction of Billing Errors ). Despite my expressed concerns, supporting documentation, and proven issues, USAA has taken no action to correct the billing discrepancies. Moreover, USAA has failed to provide any clarification or explanation regarding these errors or the institutions apparent refusal to comply with federal consumer protection laws. 

As I have stated over ten times through CFPB complaints, USAA has received ample notice regarding this matter. Despite this, USAA has continued to intentionally report adverse information directly and indirectly concerning my credit rating and standing. This action places USAA in further violation of 15 U.S.C. 1666a ( Regulation of Credit Reports ). 

Furthermore, I question whether my consumer credit transaction has been classified as a charge-off. USAA has closed my account and zeroed out my balance internally, as reflected in my USAA online portal. However, USAA has failed to clarify the status of this transaction, which raises further concerns about the accuracy of the information being reported to credit agencies. 

In accordance with federal law and my rights as a consumer, I am requesting the following detailed payment history regarding this account : 1. The first delinquent payment date.

2. The first missed payment date.

3. Specific details regarding 30, 60, and 90-day late payments, including dates for each payment that was late or missed.

4. Confirmation as to whether this account has been reported or classified as a charge-off. 

I expect this information to be provided promptly and in writing. Additionally, I request that USAA immediately take the following corrective actions : Investigate and resolve the billing errors in compliance with 15 U.S.C. 1666.

Cease all adverse credit reporting related to this matter.

Provide written confirmation of any updates or corrections made to my account and credit reporting status.

Failure to comply with these requests may result in further legal action to enforce my rights under federal law. 

Please provide the requested information and a written response within 30 days of receipt of this letter. If you require any further documentation, I can be reached using the contact information provided above. 

Sincerely, 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