<prompt> Human: A little background, I bank with USAA and have 20,000 in cashed saved. I have only one credit card, a USAA Mastercard with a 7,000 limit and 14 monthly usage, and Ive had it for just at 3 years now. Ive never carried a balance, have never had any late payments, and honestly, I normally just use it once a month for groceries or gas. The only other loan Ive ever had was a 6,000 motorcycle loan for 60 months, which I paid off in 13 months.Exactly one year ago my credit score was a 765 using the Experian score Vantage 3.0 model. I paid my motorcycle loan off this time last year as well, and my score stayed at a 765 until March, when it dropped to 712 out of the blue. No change in my spending habit, no balances held, etc... While deployed last month, my score dropped to 601 with no explanation and no change in my habits obviously, since I was not in the country. I use the USAA-Experian CreditCheck service, and today decided to get to the bottom of it since Im back home. The service showed that I have 0 credit cards false, a usage of 999 false and a credit limit of 0 Im assuming since they show me as not having a card. In addition, both Experian and Equifax are telling me that Im behind on my mortgage, even though I dont have one and there is no record of it. The factors that could hurt me are no open accounts in your credit file false and no recently reported account information, leading me to believe that somehow, USAA is not correctly reporting my credit information to the Big 3, or else Im just getting dropped through the system. This is confirmed with my USAA credit card showing no data on the open account tab.During this same time, my Equifax score has dropped from 760 to a 592, again with no reasonable explanation. Could someone please give me some direction with this situation; Im going to begin with the Big 3 online credit disputes today, but am unsure of how to proceed. Thanks.  <response>: both Experian and Equifax are telling me that Im behind on my mortgage, even though I dont have one and there is no record of it. I would start here when you call and dispute your credit. See where they are getting this information from. 