Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11354309
Credit Report Mixed with Another's Identity
Complaint Overview
Complaint ID: 11354309
Company: Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: North Carolina
ZIP Code: 28054
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2025-01-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
Incorrectly attributed information on a credit report can negatively impact a consumer's creditworthiness and ability to obtain future credit.
Consumer Sentiment: neutral
Topics: Credit Reporting, Identity Theft, Consumer Rights
AI Analysis
CFPB complaint 11354309 was filed against NAVY FEDERAL CREDIT UNION regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect information on their credit report, stating that information belonging to someone else was present, and the issue was closed with an explanation. The complaint was received on December 31, 2024 from North Carolina. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers investigate disputes regarding inaccurate information on credit reports.
Regulatory Insight
This case highlights the importance of robust identity verification processes by credit furnishers to prevent the commingling of consumer data.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in North Carolina, indicating a potential regional pattern or specific state-level consumer protection considerations.
Industry Comparison
This issue is common across the credit reporting industry, where data errors or identity mix-ups can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11354309 about?
CFPB complaint 11354309 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against NAVY FEDERAL CREDIT UNION on December 31, 2024.
Which company is complaint 11354309 filed against?
Complaint 11354309 was filed against NAVY FEDERAL CREDIT UNION. You can view all complaints against this company on their profile page at /company/navy-federal-credit-union.
What was the company's response to complaint 11354309?
NAVY FEDERAL CREDIT UNION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11354309 filed?
Complaint 11354309 was received by the CFPB on December 31, 2024. It was sent to NAVY FEDERAL CREDIT UNION on January 2, 2025.
What state was complaint 11354309 filed from?
Complaint 11354309 was filed from North Carolina. You can view all complaints from this state at /state/NC.
Was the consumer satisfied with the resolution of complaint 11354309?
Dispute information is not available for complaint 11354309.
What product category is complaint 11354309 about?
Complaint 11354309 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 11354309 submitted?
Complaint 11354309 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11354309?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers investigate disputes regarding inaccurate information on credit reports. This relates to a Credit reporting or other personal consumer reports complaint against NAVY FEDERAL CREDIT UNION involving "Incorrect information on your report".
How likely is complaint 11354309 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11354309?
This complaint is rated as medium risk. Incorrectly attributed information on a credit report can negatively impact a consumer's creditworthiness and ability to obtain future credit.
What regulatory actions apply to complaint 11354309?
This case highlights the importance of robust identity verification processes by credit furnishers to prevent the commingling of consumer data. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 11354309?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 11354309?
The complaint originated in North Carolina, indicating a potential regional pattern or specific state-level consumer protection considerations. This complaint was filed from North Carolina.
How does complaint 11354309 compare to industry norms?
This issue is common across the credit reporting industry, where data errors or identity mix-ups can occur.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should dispute the information with both the credit bureau and the credit furnisher. They should provide documentation to support their claim and keep records of all communication.
What is the typical timeframe for a credit bureau to investigate a dispute?
Under the FCRA, credit bureaus generally have 30 days to investigate a dispute, or 45 days if the consumer provides additional information during the 30-day period.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.