Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11529735
Complaint Overview
Complaint ID: 11529735
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: Washington
ZIP Code: 98029
Date Received: 2025-01-14T12:00:00-05:00
Date Sent to Company: 2025-01-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I was alerted by XXXX of an account being used. When I looked, I saw a checking line of credit, used for overdraft protection, from Navy Federal Credit union, was being used and had a balance that lowered my credit score. This account has my name, my ex husbands name, and his current wifes name on it. I disputed the account on XXXX, and I called XXXX XXXX several times, and each time they told me they could not find this account with my name on it. The dispute was investigated but upheld by XXXX XXXX, so the account stayed on my credit report. I disputed a second time, but it was upheld again. I called XXXX XXXX again and was assured this account does not exist, yet it remains open on my credit report, and affects my XXXX XXXX every time the owners of the account use it. I am extremely frustrated by this process and lack of care.
Frequently Asked Questions
What is Complaint #11529735 about?
Complaint #11529735 was filed against Navy Federal Credit Union regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-14T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.