Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11769997
Complaint Overview
Complaint ID: 11769997
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: Account information incorrect
State: Arizona
ZIP Code: 85033
Date Received: 2025-01-23T12:00:00-05:00
Date Sent to Company: 2025-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX Reporting of Inaccurate Payment History for Navy Federal Credit Union Account XXXX XXXX Details : I am filing this complaint regarding XXXX continued reporting of inaccurate payment history on my closed Navy Federal Credit Union ( NFCU ) account. The attached screenshot of my XXXX credit report highlights the following issues : 1. Charge-Offs ( CO ) : The report inaccurately shows CO ( Charge-Off ) for multiple months in XXXX and XXXX. 2. Late Payment Inaccuracies : Several months in XXXX are incorrectly reported as 60, 90, 120, and 150 days past due. These entries do not align with my actual payment history. 3. Continued Negative Reporting : Despite the account being closed, XXXX continues to inaccurately report negative statuses, causing harm to my credit profile. These errors are a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and up-to-date consumer information. The CFPB recently imposed a significant fine on XXXX in XX/XX/XXXX for similar reporting failures, which underscores the importance of holding credit bureaus accountable. This pattern of non-compliance is unacceptable, and immediate corrective action is required. Resolution Requested : 1. A full investigation into the inaccuracies reflected in my XXXX report. 2. Immediate correction of all errors, including removing the incorrect CO and late payment entries. 3. Written confirmation from XXXX that these issues have been resolved and will not reoccur. Attached Evidence : The attached screenshot provides clear evidence of Equifaxs reporting inaccurate I request that the CFPB take swift action to ensure XXXX adheres to its legal obligations under the FCRA. Thank you for addressing this matter promptly.
Frequently Asked Questions
What is Complaint #11769997 about?
Complaint #11769997 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 2025-01-23T12:00:00-05:00.
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.