You have two choices.

You can file a dispute by calling any of the consumer reporting agencies:

For credit cards, consumer loans and home equity loans

• Experian®: 866-200-6020
• TransUnion®: 833-395-6938
• Equifax®: 866-349-5191
• Innovis: 800-540-2505

For checking and savings

• Early Warning®: 800-325-7775

Or you can file a dispute directly through us

For credit cards, consumer loans and home equity loans

To submit a digital dispute on usaa.com:

• Go to Consumer Report Dispute Request.
• Log on and follow the prompts to submit your dispute.

To submit a digital dispute on the USAA Mobile App:

• After logging on, tap “Chat.”
• In the “Enter message here” field, type “credit bureau dispute.”
• Tap “File a dispute.”
• Follow the prompts to submit your dispute.

To upload or mail documents:

Download and complete the Consumer Report Dispute Form.

Mobile: To upload the documents on the USAA mobile app, follow these steps:

1. Tap the circle in the upper left-hand corner containing your initials (iPhone) or go to “Inbox” (Android).
2. Select “Send documents to USAA” and tap “Upload new documents” (iPhone) or “Upload other documents” (Android).
3. Follow the instructions to provide the documents.

USAA.com: To upload the documents on USAA.com, follow these steps:

1. In the search field, type “Upload.”
2. Select “Send documents” and follow the prompts.

Mail: To return the documents by mail, use the following address:

USAA/Consumer Report Dispute
Attn: Form Code CLCBD
P.O. Box 33009 San Antonio, TX 78265-3009

For checking and savings accounts

To submit a digital dispute on usaa.com:

• Go to Consumer Report Dispute Request.
• Log on and follow the prompts to submit your dispute.

To submit a digital dispute on the USAA Mobile App:

• After logging on, tap “Chat.”
• In the “Enter message here” field, type “credit bureau dispute.”
• Tap “File a dispute.”
• Follow the prompts to submit your dispute.

To upload or mail documents:

• Download and complete the Deposit Consumer Report Dispute Form.

Mobile: To upload the documents on the USAA mobile app, follow these steps:

1. Tap the circle in the upper left-hand corner containing your initials (iPhone) or go to “Inbox” (Android).
2. Select “Send documents to USAA” and tap “Upload new documents” (iPhone) or “Upload other documents” (Android).
3. Follow the instructions to provide the documents.

usaa.com: To upload the documents on usaa.com, follow these steps:

1. In the search field, type “Upload.”
2. Select “Send documents” and follow the prompts.

Mail: To return the documents by mail, use the following address:

• USAA
  Attn: Form Code DEPCNSFRD
  9800 Fredericksburg Road San Antonio, TX 78288

You'll need to send your dispute details and supporting information to your mortgage servicing company directly. The contact information can be found on your monthly mortgage statement.

We'll investigate your dispute and provide a response within 30 days after we receive the dispute notice. Depending on your document delivery preferences, you'll get the results online or by mail. If you get your documents online, you may receive a text or an email from us letting you know you have a new document available.

If we find that the information is inaccurate, we'll send a correction to the consumer reporting agencies. Consumer reporting agencies usually update reports within 60 days.

If you filed your dispute with the consumer reporting agencies, they'll mail you the results of the investigation.

For credit cards and loans, we report to Equifax, Experian, Innovis and TransUnion.

For checking and savings accounts, we report to Early Warning® Services, a national specialty consumer reporting agency.

A hard inquiry happens when you apply for credit cards, loans or other types of credit. That means a potential lender examines your credit report and uses the information in their decision to approve your application.

A soft inquiry usually happens when your bank or insurance company checks your credit for a promotional offer, like when you're preselected for a credit card. These types of inquiries don't affect your credit score and can't be removed from your report.

Yes. To help us resolve your dispute as quickly as possible, complete the dispute form and provide supporting information like:

• A copy of the relevant portion of your consumer report.
• Account statements.
• Canceled checks.
• Court orders.
• Police reports.
• Fraud affidavits.

Any additional information that's relevant to the dispute.

A contribution record is a point-in-time snapshot of the status of your checking or savings account with USAA Federal savings Bank.

An ownership record is a compilation of demographic information and a historical account status for your checking or savings account.