Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have disputed with ussa numerous times when it came to this account. A recent investigation was done through XXXX XXXX. XXXX on XX/XX/XXXX which came back verified the very same day. Then an another dispute on XX/XX/XXXX, they came back an stated on XX/XX/XXXX that it was verified as correct. I even called them on the XXXX XXXX XXXXXXXX and the rep asked me why I wanted to be disputed and I told him because the account is charged off multiple times which is misleading. I was denied a loan due to this specific account reporting multiple charge offs and when inquired why they state because of a recent charge off. I advised the bank I had asked them to remove due to inaccurate reporting. The account usaa does not show the same on either bureau it is being reported to. This has been over 4 months of disputing this usaa account they even Called me and I explained to them what they were doing wrong verbally and she told me they don't handle how the credit agencies report ... these calls are recorded so I'm sure its on the recording I also have a recording as well. This account needs to be removed from all three reports as it is not correct, reporting inaccurate and more. I disputed this account a requested removal many times I even did a XXXX  report for usaa a more and they are verifying they are reporting accurate a they are not I will attach all proof below. Multiple charge off are misleading and AGAIN I WAS DENIED DUE TO A RECENT CHARGE OFF THAT USAA REPORTED FOR XXXX- it makes it look like a new charge off an its not it charged off in XXXX! not XXXX! 
I will attach the dispute being verified as staying on my report and the letter I stated and pointed out the inaccuracies which I will attach the letter below I sent and also multiple attempts for this account to be remove and there response KNOWING THEY ARE REPORTING INACCURATE INFORMATION. They all have last payment date being wrong as well in XXXX on XX/XX/XXXX of XXXX but account charged off in XXXX... 
Due to my recent denial because of usaa an XXXX Misleading report I am requesting damages and non compliance for ignoring the reporting I pointed out that were incorrect for MONTHS PER FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance I gave usaa multiple chances to correct this and allowed them to report incorrect information but I was denied a treated unfairly due to their reporting its misleading! I allowed them to modify and more IT NEEDS TO BE REMOVED. It even went under a REINVESTIGATION and with it still reporting inaccurate it needs to be removed. 
I attached the XXXX XXXX an XXXX on how usaa is reporting, I also attached the information of them confirming the inaccuracies after the reinvestigation, I also attached the two letters that was ignored and called out the inaccuracies they are reporting and nothing was done. Im requesting damages for my unfair treatment. I also attached the showing of NO MULTIPLE CHARGE OFF SHOULD BE REPORTED! I have other proof from XXXX  of there response confirming they are reporting accurate as well. So now that this was reinvestigated and they confirmed it which I attach below need to be removed now that I am supporting all the documents and more. Also attached the response from a XXXX  report I did as well. This is wrong and misleading. They stated they couldn't find me last time back in XXXX when I tried to dispute so I will provide information on verification as well. ALL INACCURATE INFORMATION AND MORE IS BELOW AND THE RESPONSES OF THEM CONFIRMING INACCURACIES AND MY LETTER I SENT CALLING OUT INACCURACIES

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