Mortgage -- Incorrect information on your report -- Complaint #11491076
Complaint Overview
Complaint ID: 11491076
Company: Navy Federal Credit Union
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Michigan
ZIP Code: 48207
Date Received: 2025-01-12T12:00:00-05:00
Date Sent to Company: 2025-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am filing a formal complaint against Navy Federal Credit Union for reporting inaccurate information on my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). In XX/XX/year>, Navy Federal erroneously reported me as delinquent on my mortgage loan. This reporting is incorrect because I was enrolled in a hardship assistance program at the time, and under the terms of the program, my first payment was not required until XXXX [ year ]. I have never been delinquent with Navy Federal, and I have documentation to prove my compliance with the terms of the hardship program. Despite my attempts to resolve this matter directly with Navy Federal, they have not corrected the inaccurate information. Reporting me as delinquent when I was actively enrolled in an approved hardship program is both unfair and harmful. This incorrect information has negatively impacted my credit score and overall financial standing, despite my consistent efforts to remain in good standing with Navy Federal. I request that CFPB investigate this issue and that Navy Federal promptly removes the inaccurate delinquency mark from my credit report. I have attached all relevant documents, including proof of my enrollment in the hardship program and communication with Navy Federal. Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11491076 about?
Complaint #11491076 was filed against Navy Federal Credit Union regarding Mortgage specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-12T12:00:00-05:00.
How did Navy Federal Credit Union respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Navy Federal Credit Union?
Yes, visit the Navy Federal Credit Union company profile at readthecomplaint.com/company/navy-federal-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.